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A quote is a price lock. It pins the fiat→crypto exchange rate for a chosen chain and asset, with its own short expiry — but it derives no deposit address and starts no payment watcher. That only happens when you create a checkout session from the quote. Use quotes when you want to show a customer exactly how much crypto they’ll pay (coin, chain, amount, and how long that price is good for) before committing to a session. When the customer proceeds, create a session from the quote and the checkout opens on the pay step with the coin already selected.

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The quote object

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Two modes

Link mode — quote an existing payment link. The fiat amount and currency come from the link.
Ad-hoc mode — quote a custom amount.
chainId and asset are optional; omit them to use the merchant’s default network and asset.

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Lifecycle

  1. POST /quotes → you receive a quote with a locked amount and expiresAt.
  2. Show the customer the coin, chain, amount and countdown.
  3. POST /checkout_sessions with { "quoteId": "..." } before it expires.
  4. The session is created with the quote’s locked price; the quote is marked consumed and cannot be reused.
A quote that expires or is never consumed simply falls away — nothing is charged and no address is derived.