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Create a quote with POST /api/v1/business/quotes, then retrieve it with GET /api/v1/business/quotes/:id. A quote binds the business environment, direction, beneficiary, selected route, pricing snapshot, amounts, rate, and expiry.
Never calculate a payout from an earlier rate. Initiation rejects expired, consumed, or mismatched quotes.
Sandbox quotes are deterministic and do not call live providers. Live routing remains internal; integrations receive one normalized NorthFond response.