> ## Documentation Index
> Fetch the complete documentation index at: https://developer.me-cash.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create Quote (Onramp — Fiat to Crypto)

> Generate a ramp quote for converting fiat currency to cryptocurrency (e.g. NGN to USDT) for delivery to a wallet address.

Use this endpoint to generate a quote for onramp transactions — converting fiat currency to crypto tokens and delivering them to a specified wallet address.

<Tip>
  **New to the Ramp API?** Read the [Ramp API Overview](/ramp-docs/ramp-api-overview) for the full lifecycle and all three transaction flows.
</Tip>

## Endpoint

**POST** `{{baseURL}}/v1/ramp/quote`

***

## Request headers

| **Header**     | **Value**          | **Required** | **Description**                          |
| -------------- | ------------------ | ------------ | ---------------------------------------- |
| `Content-Type` | `application/json` | Yes          | Specifies that the request body is JSON. |
| `x-api-key`    | `YOUR_API_KEY`     | Yes          | API key for authentication.              |

***

## Request body

```json copy theme={null}
{
    "paymentChannel": "BANK_TRANSFER",
    "source": {
        "amount": 20000,
        "country": "NG",
        "currency": "NGN"
    },
    "target": {
        "symbol": "USDT",
        "blockchain": "MATIC"
    },
    "feeLevel": {
        "type": "MEDIUM"
    },
    "recipient": {
        "address": "0xd62acd62fdb155afaa5d12c6caf01119d413dfd9",
        "network": {
            "blockchain": "MATIC",
            "tokenStandard": "ERC20"
        }
    }
}
```

### Body fields

| **Field**                         | **Type** | **Required** | **Description**                                                  |
| --------------------------------- | -------- | ------------ | ---------------------------------------------------------------- |
| `paymentChannel`                  | string   | Yes          | How fiat funds are collected (e.g. `BANK_TRANSFER`).             |
| `source.amount`                   | number   | Yes          | Amount of fiat to convert.                                       |
| `source.country`                  | string   | Yes          | ISO 3166-1 alpha-2 code for the sender country (e.g. `NG`).      |
| `source.currency`                 | string   | Yes          | ISO 4217 code for the fiat currency (e.g. `NGN`).                |
| `target.symbol`                   | string   | Yes          | Token symbol of the target crypto asset (e.g. `USDT`).           |
| `target.blockchain`               | string   | Yes          | Blockchain network for the target asset (e.g. `MATIC`).          |
| `feeLevel.type`                   | string   | No           | Gas fee level: `LOW`, `MEDIUM`, or `HIGH`. Defaults to `MEDIUM`. |
| `recipient.address`               | string   | Yes          | Wallet address where crypto will be delivered.                   |
| `recipient.network.blockchain`    | string   | Yes          | Blockchain network for the recipient wallet.                     |
| `recipient.network.tokenStandard` | string   | Yes          | Token standard (e.g. `ERC20`).                                   |

<Note>
  **Onramp quotes require recipient details** — unlike offramp, the onramp quote needs the full `recipient` object (address + network) at quote creation time.
</Note>

***

## Request examples

<CodeGroup>
  ```bash cURL theme={null}
  curl --request POST '{{baseURL}}/v1/ramp/quote' \
    --header 'x-api-key: YOUR_API_KEY' \
    --header 'Content-Type: application/json' \
    --data '{
      "paymentChannel": "BANK_TRANSFER",
      "source": {
          "amount": 20000,
          "country": "NG",
          "currency": "NGN"
      },
      "target": {
          "symbol": "USDT",
          "blockchain": "MATIC"
      },
      "feeLevel": {
          "type": "MEDIUM"
      },
      "recipient": {
          "address": "0xd62acd62fdb155afaa5d12c6caf01119d413dfd9",
          "network": {
              "blockchain": "MATIC",
              "tokenStandard": "ERC20"
          }
      }
    }'
  ```

  ```js JavaScript (fetch) theme={null}
  const payload = {
    paymentChannel: 'BANK_TRANSFER',
    source: {
      amount: 20000,
      country: 'NG',
      currency: 'NGN'
    },
    target: {
      symbol: 'USDT',
      blockchain: 'MATIC'
    },
    feeLevel: {
      type: 'MEDIUM'
    },
    recipient: {
      address: '0xd62acd62fdb155afaa5d12c6caf01119d413dfd9',
      network: {
        blockchain: 'MATIC',
        tokenStandard: 'ERC20'
      }
    }
  };

  fetch('{{baseURL}}/v1/ramp/quote', {
    method: 'POST',
    headers: {
      'x-api-key': 'YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify(payload)
  })
    .then((res) => {
      if (!res.ok) throw new Error(`Request failed with status ${res.status}`);
      return res.json();
    })
    .then((body) => console.log(body))
    .catch((error) => console.error('Failed to create onramp quote', error));
  ```

  ```python Python (requests) theme={null}
  import requests

  url = "{{baseURL}}/v1/ramp/quote"
  headers = {
      "x-api-key": "YOUR_API_KEY",
      "Content-Type": "application/json",
  }
  payload = {
      "paymentChannel": "BANK_TRANSFER",
      "source": {
          "amount": 20000,
          "country": "NG",
          "currency": "NGN",
      },
      "target": {
          "symbol": "USDT",
          "blockchain": "MATIC",
      },
      "feeLevel": {
          "type": "MEDIUM",
      },
      "recipient": {
          "address": "0xd62acd62fdb155afaa5d12c6caf01119d413dfd9",
          "network": {
              "blockchain": "MATIC",
              "tokenStandard": "ERC20",
          },
      },
  }

  response = requests.post(url, json=payload, headers=headers, timeout=30)
  response.raise_for_status()
  print(response.json())
  ```

  ```js Node.js (axios) theme={null}
  const axios = require('axios');

  axios.post('{{baseURL}}/v1/ramp/quote', {
    paymentChannel: 'BANK_TRANSFER',
    source: {
      amount: 20000,
      country: 'NG',
      currency: 'NGN'
    },
    target: {
      symbol: 'USDT',
      blockchain: 'MATIC'
    },
    feeLevel: {
      type: 'MEDIUM'
    },
    recipient: {
      address: '0xd62acd62fdb155afaa5d12c6caf01119d413dfd9',
      network: {
        blockchain: 'MATIC',
        tokenStandard: 'ERC20'
      }
    }
  }, {
    headers: {
      'x-api-key': 'YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    timeout: 30000
  })
    .then((response) => console.log(response.data))
    .catch((error) => {
      if (error.response) {
        console.error('API error:', error.response.data);
      } else {
        console.error('Request error:', error.message);
      }
    });
  ```
</CodeGroup>

***

## Successful response

```json copy theme={null}
{
    "message": "quote successfully created",
    "status": "success",
    "data": {
        "id": "b7e166bf-9f58-479d-8867-f655a47334d5",
        "source": {
            "currency": "NGN",
            "country": "NG",
            "amount": 20000,
            "type": "FIAT"
        },
        "target": {
            "currency": "Tether",
            "symbol": "USDT",
            "blockchain": "MATIC",
            "amount": 13.33,
            "type": "CRYPTOCURRENCY"
        },
        "quoteCurrency": "NGN",
        "rate": 1500,
        "fee": {
            "amount": 20000,
            "gas": {}
        },
        "rules": [
            {
                "category": "LIMIT",
                "appliedCurrency": "Tether",
                "transaction": {
                    "minimum": 1,
                    "maximum": 10000
                },
                "invoice": 10000
            }
        ],
        "summary": {
            "total": 20000
        },
        "settlement": "Same Day"
    }
}
```

### Response field reference

| **Field**                          | **Type** | **Description**                                           |
| ---------------------------------- | -------- | --------------------------------------------------------- |
| `data.id`                          | string   | Unique quote identifier — pass to `POST /v2/ramp/payout`. |
| `data.source.currency`             | string   | Fiat currency code (e.g. `NGN`).                          |
| `data.source.country`              | string   | Sender country code (e.g. `NG`).                          |
| `data.source.amount`               | number   | Fiat amount the sender pays.                              |
| `data.source.type`                 | string   | Asset type — `FIAT`.                                      |
| `data.target.currency`             | string   | Full name of the target token (e.g. `Tether`).            |
| `data.target.symbol`               | string   | Token symbol (e.g. `USDT`).                               |
| `data.target.blockchain`           | string   | Target blockchain network.                                |
| `data.target.amount`               | number   | Amount of crypto the recipient receives.                  |
| `data.target.type`                 | string   | Asset type — `CRYPTOCURRENCY`.                            |
| `data.quoteCurrency`               | string   | Currency context for the quote rate.                      |
| `data.rate`                        | number   | Exchange rate applied (e.g. 1 USDT = 1500 NGN).           |
| `data.fee.amount`                  | number   | Fee amount charged.                                       |
| `data.fee.gas`                     | object   | Gas fee details (may be empty).                           |
| `data.rules`                       | array    | Corridor-level transaction limits.                        |
| `data.rules[].category`            | string   | Rule category (e.g. `LIMIT`).                             |
| `data.rules[].appliedCurrency`     | string   | Currency the limit applies to.                            |
| `data.rules[].transaction.minimum` | number   | Minimum transaction amount.                               |
| `data.rules[].transaction.maximum` | number   | Maximum transaction amount.                               |
| `data.rules[].invoice`             | number   | Invoice threshold.                                        |
| `data.summary.total`               | number   | Total fiat debit amount.                                  |
| `data.settlement`                  | string   | Estimated settlement time (e.g. `Same Day`).              |

***

## Error responses

| **Status** | **Error Code**  | **Message**                          | **Description**                                               |
| ---------- | --------------- | ------------------------------------ | ------------------------------------------------------------- |
| 400        | `INVALID_INPUT` | Invalid request payload              | One or more fields are missing or have invalid values.        |
| 400        | `INVALID_INPUT` | Invalid country or currency ISO code | Source/target country or currency combination is unsupported. |
| 401        | `UNAUTHORIZED`  | Missing or invalid API key           | The `x-api-key` header is missing or incorrect.               |
| 403        | `FORBIDDEN`     | Access denied                        | The authenticated user is not allowed to create quotes.       |
| 404        | `NOT_FOUND`     | Resource not found                   | The requested corridor or token does not exist.               |
| 500        | `SERVER_ERROR`  | Internal server error                | An unexpected error occurred on the server.                   |

***

## Best practices

* The onramp flow requires the full `recipient` object (address + network) at quote time — this differs from offramp.
* Use `tokenStandard: "ERC20"` for EVM-compatible chains. Other standards may be supported in future.
* Validate the `rules[].transaction.minimum` and `rules[].transaction.maximum` before proceeding to payout.
* The `settlement` field gives an ETA for token delivery — surface this in your UI.

***

## Next steps

* [Create Ramp Payout](/ramp-docs/ramp-payout) — execute the onramp transfer.
* [Create Quote (Crypto)](/ramp-docs/ramp-quote-crypto) — for crypto-to-crypto transfers.
* [Create Quote (Offramp)](/ramp-docs/ramp-quote-offramp) — for crypto-to-fiat conversions.