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Yativo provides two ways to get exchange rates:
  1. Live rate — POST /exchange-rate for a current rate with fee breakdown
  2. Send money quote — POST /sendmoney/quote which locks the rate for 5 minutes and returns a quote_id to use when executing the transfer
Using a quote_id guarantees the displayed rate and fee through execution time. 
interface ExchangeRateRequest {
  from_currency: string;   // source currency (ISO 4217)
  to_currency: string;     // target currency (ISO 4217)
  amount: number;          // amount in the source currency
}

interface Quote {
  quote_id: string;        // valid for 5 minutes
  from_currency: string;
  to_currency: string;
  rate: string;
  amount: string;
  payout_data: {
    total_transaction_fee_in_from_currency: string;
    total_transaction_fee_in_to_currency: string;
    customer_sent_amount: string;
    customer_receive_amount: string;
    customer_total_amount_due: string;
  };
  calculator: {
    fee_breakdown: {
      float: { wallet_currency: number; payout_currency: number };
      fixed: { wallet_currency: number; payout_currency: number };
      total: number;
    };
    exchange_rate: number;
    customer_receive_amount: { wallet_currency: number; payout_currency: number };
  };
}

​
Get Live Exchange Rate

Returns the current rate and fee breakdown. Does not lock the rate. 
POST /exchange-rate
​
from_currency
string
required
Source currency code (ISO 4217), e.g. "USD", "EUR".
​
to_currency
string
required
Target currency code (ISO 4217), e.g. "CLP", "BRL", "MXN".
​
amount
number
required
Amount in the source currency to convert.
curl -X POST 'https://api.yativo.com/api/v1/exchange-rate' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "from_currency": "USD",
    "to_currency": "CLP",
    "amount": 500
  }'

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": {
    "quote_id": "4a72ecf8-6c8a-4e38-9971-8aabe9f785ed",
    "from_currency": "USD",
    "to_currency": "CLP",
    "rate": "950.00000000",
    "amount": "500.00000000",
    "payout_data": {
      "total_transaction_fee_in_from_currency": "11.15000000",
      "total_transaction_fee_in_to_currency": "10592.50",
      "customer_sent_amount": "500.00",
      "customer_receive_amount": "462925.00",
      "customer_total_amount_due": "511.15"
    },
    "calculator": {
      "fee_breakdown": {
        "float": { "wallet_currency": 10.15, "payout_currency": 9642.50 },
        "fixed": { "wallet_currency": 1, "payout_currency": 950 },
        "total": 11.15
      },
      "exchange_rate": 950,
      "customer_receive_amount": { "wallet_currency": 500, "payout_currency": 475000 }
    }
  }
}

​
Get a Locked Quote for Send Money

Lock a rate for 5 minutes when preparing a payment. The returned quote_id guarantees the rate when used in POST /sendmoney. 
POST /sendmoney/quote
​
from_currency
string
required
Source currency code (e.g. "USD").
​
to_currency
string
required
Destination currency code (e.g. "CLP", "MXN", "BRL").
​
amount
number
required
Amount in the source currency.
curl -X POST 'https://api.yativo.com/api/v1/sendmoney/quote' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-key-here' \
  -d '{
    "from_currency": "USD",
    "to_currency": "MXN",
    "amount": 200
  }'

{
  "status": "success",
  "data": {
    "quote_id": "7b91acf8-9d2a-4e38-aa71-9babe9f785cd",
    "from_currency": "USD",
    "to_currency": "MXN",
    "rate": "17.20",
    "amount": "200.00",
    "payout_data": {
      "total_transaction_fee_in_from_currency": "8.00",
      "customer_sent_amount": "200.00",
      "customer_receive_amount": "3268.00",
      "customer_total_amount_due": "208.00"
    }
  }
}
Quotes are valid for 5 minutes. Execute the payment with POST /sendmoney within this window using the quote_id.

​
Using the Quote ID

Use the quote_id in a send money request to guarantee the locked rate: 
curl -X POST 'https://api.yativo.com/api/v1/sendmoney' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-payout-key' \
  -d '{
    "quote_id": "7b91acf8-9d2a-4e38-aa71-9babe9f785cd"
  }'
Or use it in a wallet payout: 
curl -X POST 'https://api.yativo.com/api/v1/wallet/payout' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: unique-payout-key' \
  -d '{
    "debit_wallet": "USD",
    "payment_method_id": 21,
    "quote_id": "7b91acf8-9d2a-4e38-aa71-9babe9f785cd"
  }'

1. POST /sendmoney/quote                → get quote_id (5-min window)
2. POST /sendmoney  (or /wallet/payout) → execute with quote_id
3. GET /transaction/tracking/{id}       → monitor payment progress
Without a quote_id, the live market rate applies at execution time and may differ from the rate you quoted to your customer.

​
Rate Limits

Maximum 100 requests per minute per API key.