Create a quote

The Create Quote API lets you request the creation of a quote resource against the sender’s wallet address.

A quote is a commitment from an account servicing entity to pay a particular amount from the sender’s account or pay a particular amount into the recipient’s account, depending on the quote type. A quote is only valid for a limited time.

The code snippets below let an authorized client request a quote from an incomingAmount, with a debit amount, or with a receive amount. You can read more about these quote types on the Resources page.

Before you begin

We recommend creating a wallet account on the test wallet. Creating an account allows you to test your client against the Open Payments APIs by using an ILP-enabled wallet funded with play money.

Create a quote from an incoming amount

Authenticated client required

Create this type of quote when the incoming payment resource already has a defined incomingAmount.

TypeScript/NodeJS

Prerequisites

Initial configuration

If you’re using JavaScript, only do the first step.

1. Add "type": "module" to package.json.

2. Add the following to tsconfig.json

   {
     "compilerOptions": {
       "target": "ES2022",
       "module": "ES2022"
     }
   }

// Import dependencies
import { createAuthenticatedClient } from '@interledger/open-payments'

// Initialize client
const client = await createAuthenticatedClient({
  walletAddressUrl: WALLET_ADDRESS,
  privateKey: PRIVATE_KEY_PATH,
  keyId: KEY_ID
})

// Get wallet address information
const walletAddress = await client.walletAddress.get({
  url: WALLET_ADDRESS
})

// Create quote
const quote = await client.quote.create(
  {
    url: walletAddress.resourceServer,
    accessToken: QUOTE_ACCESS_TOKEN
  },
  {
    method: 'ilp',
    walletAddress: WALLET_ADDRESS,
    receiver: INCOMING_PAYMENT_URL
  }
)

// Output
console.log('QUOTE_URL =', quote.id)

For TypeScript, run tsx path/to/directory/index.ts. View full TS source

For JavaScript, run node path/to/directory/index.js. View full JS source

Rust

Prerequisites

// Import dependencies
use open_payments::client::api::AuthenticatedResources;
use open_payments::client::utils::get_resource_server_url;
use open_payments::snippets::utils::{create_authenticated_client, get_env_var, load_env};
use open_payments::types::{resource::CreateQuoteRequest, PaymentMethodType, Receiver};

// Initialize client
let client = create_authenticated_client()?;

// Prepare quote request
let access_token = get_env_var("QUOTE_ACCESS_TOKEN")?;
let incoming_payment_url = get_env_var("INCOMING_PAYMENT_URL")?;
let wallet_address_url = get_env_var("WALLET_ADDRESS_URL")?;
let resource_server_url = get_resource_server_url(&wallet_address_url)?;

let request = CreateQuoteRequest::NoAmountQuote {
    wallet_address: wallet_address_url,
    receiver: Receiver(incoming_payment_url),
    method: PaymentMethodType::Ilp,
};

// Create quote
println!(
    "Quote create request JSON: {}",
    serde_json::to_string_pretty(&request)?
);

let quote = client
    .quotes()
    .create(&resource_server_url, &request, Some(&access_token))
    .await?;

// Output
println!("Created quote: {quote:#?}");

View full source

PHP

Prerequisites

// Import dependencies
use OpenPayments\AuthClient;
use OpenPayments\Config\Config;

// Initialize client
$config = new Config(
    $WALLET_ADDRESS,
    $PRIVATE_KEY,
    $KEY_ID
);
$opClient = new AuthClient($config);

$wallet = $opClient->walletAddress()->get([
    'url' => $config->getWalletAddressUrl()
]);

// Create quote
$newQuote = $opClient->quote()->create(
    [
        'url' => $wallet->resourceServer,
        'access_token' => $QUOTE_GRANT_ACCESS_TOKEN,
    ],
    [
        'method' => "ilp",
        'walletAddress' => $wallet->id,
        'receiver' => $INCOMING_PAYMENT_URL,
    ]
);

// Output
echo 'QUOTE_URL ' . $newQuote->id . PHP_EOL;
echo 'QUOTE ' . print_r($newQuote, true) . PHP_EOL;

View full source

Go

Prerequisites

package main

// Import dependencies
import (
  "context"
  "encoding/json"
  "fmt"
  "log"

  op "github.com/interledger/open-payments-go"
  rs "github.com/interledger/open-payments-go/generated/resourceserver"
)

func main() {
  // Initialize client
  client, err := op.NewAuthenticatedClient(WALLET_ADDRESS_URL, PRIVATE_KEY_BASE_64, KEY_ID)
  if err != nil {
    log.Fatalf("Error creating authenticated client: %v\n", err)
  }

  // Create quote
  quote, err := client.Quote.Create(context.TODO(), op.QuoteCreateParams{
    BaseURL:     RESOURCE_SERVER_URL,
    AccessToken: QUOTE_ACCESS_TOKEN,
    Payload: rs.CreateQuoteJSONBody0{
      WalletAddressSchema: WALLET_ADDRESS_URL,
      Receiver:            INCOMING_PAYMENT_URL,
      Method:              "ilp",
    },
  })
  if err != nil {
    log.Fatalf("Error creating quote: %v\n", err)
  }

  // Output
  quoteJSON, err := json.MarshalIndent(quote, "", "  ")
  if err != nil {
    log.Fatalf("Error marshaling quote: %v\n", err)
  }
  fmt.Println("QUOTE:", string(quoteJSON))
  fmt.Println("QUOTE_URL:", *quote.Id)
}

Java

Prerequisites

// Import dependencies
import org.interledger.openpayments.httpclient.OpenPaymentsHttpClient;
import org.interledger.openpayments.IOpenPaymentsClient;

// Initialize client
IOpenPaymentsClient client = OpenPaymentsHttpClient.defaultClient(
"WalletAddress",
"PrivateKeyPEM",
"KeyId"
);

// Get wallet address information
var receiverWallet = client.walletAddress().get("https://cloudninebank.example.com/merchant");
var senderWallet = client.walletAddress().get("https://cloudninebank.example.com/customer");

// Create incoming payment
var grantRequest = client.auth().grant().incomingPayment(receiverWallet);
var incomingPayment = client.payment().createIncoming(receiverWallet, grantRequest, BigDecimal.valueOf(11.25));

// Create quote
var quoteRequest = client.auth().grant().quote(senderWallet);
var quote = client.quote().create(quoteRequest.getAccess().getToken(), senderWallet, incomingPayment, Optional.empty(), Optional.empty());

// Output
log.info("QUOTE: {}", quote);

.NET

Prerequisites

// Import dependencies
using Microsoft.Extensions.DependencyInjection;
using OpenPayments.Sdk.Clients;
using OpenPayments.Sdk.Extensions;
using OpenPayments.Sdk.Generated.Resource;
using OpenPayments.Sdk.HttpSignatureUtils;

// Initialize client
var client = new ServiceCollection()
    .UseOpenPayments(opts =>
    {
        opts.UseAuthenticatedClient = true;
        opts.KeyId = CLIENT_ID;
        opts.PrivateKey = KeyUtils.LoadPem(CLIENT_SECRET);
        opts.ClientUrl = new Uri(CLIENT_WALLET_ADDRESS);
    })
    .BuildServiceProvider()
    .GetRequiredService<IAuthenticatedClient>();

// Get wallet address information
var waInfo = await client.GetWalletAddressAsync(WALLET_ADDRESS);

// Create quote
var quote = await client.CreateQuoteAsync(
    new AuthRequestArgs
    {
        Url = waInfo.ResourceServer,
        AccessToken = QUOTE_ACCESS_TOKEN,
    },
    new QuoteBody
    {
        WalletAddress = waInfo.Id,
        Receiver = new Uri(INCOMING_PAYMENT_URL),
        Method = PaymentMethod.Ilp
    }
);

// Output
Console.WriteLine($"QUOTE_URL = {quote.Id}");

View full source

Create a quote with a debit amount

Authenticated client required

Create this type of quote to specify a debit amount. The debit amount is the amount to deduct from the sender’s wallet.

TypeScript/NodeJS

Prerequisites

Initial configuration

If you’re using JavaScript, only do the first step.

1. Add "type": "module" to package.json.

2. Add the following to tsconfig.json

   {
     "compilerOptions": {
       "target": "ES2022",
       "module": "ES2022"
     }
   }

// Import dependencies
import { createAuthenticatedClient } from '@interledger/open-payments'

// Initialize client
const client = await createAuthenticatedClient({
  walletAddressUrl: WALLET_ADDRESS,
  privateKey: PRIVATE_KEY_PATH,
  keyId: KEY_ID
})

// Get wallet address information
const walletAddress = await client.walletAddress.get({
  url: WALLET_ADDRESS
})

// Create quote with debit amount
const quote = await client.quote.create(
  {
    url: walletAddress.resourceServer,
    accessToken: QUOTE_ACCESS_TOKEN
  },
  {
    method: 'ilp',
    walletAddress: WALLET_ADDRESS,
    receiver: INCOMING_PAYMENT_URL,
    debitAmount: {
      value: '500',
      assetCode: walletAddress.assetCode,
      assetScale: walletAddress.assetScale
    }
  }
)

// Output
console.log('QUOTE_URL =', quote.id)

For TypeScript, run tsx path/to/directory/index.ts. View full TS source

For JavaScript, run node path/to/directory/index.js. View full JS source

Rust

Prerequisites

// Import dependencies
use open_payments::client::api::AuthenticatedResources;
use open_payments::client::utils::get_resource_server_url;
use open_payments::snippets::utils::{create_authenticated_client, get_env_var, load_env};
use open_payments::types::{resource::CreateQuoteRequest, Amount, PaymentMethodType, Receiver};

// Initialize client
let client = create_authenticated_client()?;

// Create quote with debit amount
let access_token = get_env_var("QUOTE_ACCESS_TOKEN")?;
let incoming_payment_url = get_env_var("INCOMING_PAYMENT_URL")?;
let wallet_address_url = get_env_var("WALLET_ADDRESS_URL")?;
let resource_server_url = get_resource_server_url(&wallet_address_url)?;

let request = CreateQuoteRequest::FixedSendAmountQuote {
    wallet_address: wallet_address_url,
    receiver: Receiver(incoming_payment_url),
    method: PaymentMethodType::Ilp,
    debit_amount: Amount {
        value: "1000".to_string(),
        asset_code: "EUR".to_string(),
        asset_scale: 2u8,
    },
};

println!(
    "Quote create request JSON: {}",
    serde_json::to_string_pretty(&request)?
);

let quote = client
    .quotes()
    .create(&resource_server_url, &request, Some(&access_token))
    .await?;

// Output
println!("Created quote: {quote:#?}");

View full source

PHP

Prerequisites

// Import dependencies
use OpenPayments\AuthClient;
use OpenPayments\Config\Config;

// Initialize client
$config = new Config(
    $WALLET_ADDRESS,
    $PRIVATE_KEY,
    $KEY_ID
);
$opClient = new AuthClient($config);

// Get wallet address information
$wallet = $opClient->walletAddress()->get([
    'url' => $config->getWalletAddressUrl()
]);

// Create quote with debit amount
$newQuote = $opClient->quote()->create(
    [
        'url' => $wallet->resourceServer,
        'access_token' => $QUOTE_GRANT_ACCESS_TOKEN,
    ],
    [
        'method' => "ilp",
        'walletAddress' => $wallet->id,
        'receiver' => $INCOMING_PAYMENT_URL,
        'debitAmount' => [
            'assetCode' => $wallet->assetCode,
            'assetScale' => $wallet->assetScale,
            'value' => "130",
        ],
    ]
);

// Output
echo 'QUOTE_URL ' . $newQuote->id . PHP_EOL;
echo 'QUOTE ' . print_r($newQuote, true) . PHP_EOL;

View full source

Go

Prerequisites

package main

// Import dependencies
import (
  "context"
  "encoding/json"
  "fmt"
  "log"

  op "github.com/interledger/open-payments-go"
  rs "github.com/interledger/open-payments-go/generated/resourceserver"
)

func main() {
  // Initialize client
  client, err := op.NewAuthenticatedClient(WALLET_ADDRESS_URL, PRIVATE_KEY_BASE_64, KEY_ID)
  if err != nil {
    log.Fatalf("Error creating authenticated client: %v\n", err)
  }

  // Get wallet address information
  walletAddress, err := client.WalletAddress.Get(context.TODO(), op.WalletAddressGetParams{
    URL: WALLET_ADDRESS_URL,
  })
  if err != nil {
    log.Fatalf("Error fetching wallet address: %v\n", err)
  }

  // Create quote with debit amount
  quote, err := client.Quote.Create(context.TODO(), op.QuoteCreateParams{
    BaseURL:     walletAddress.ResourceServer,
    AccessToken: QUOTE_ACCESS_TOKEN,
    Payload: rs.CreateQuoteJSONBody1{
      WalletAddressSchema: WALLET_ADDRESS_URL,
      Receiver:            INCOMING_PAYMENT_URL,
      Method:              "ilp",
      DebitAmount: rs.Amount{
        Value:      "500",
        AssetCode:  walletAddress.AssetCode,
        AssetScale: walletAddress.AssetScale,
      },
    },
  })
  if err != nil {
    log.Fatalf("Error creating quote: %v\n", err)
  }

  // Output
  quoteJSON, err := json.MarshalIndent(quote, "", "  ")
  if err != nil {
    log.Fatalf("Error marshaling quote: %v\n", err)
  }
  fmt.Println("QUOTE:", string(quoteJSON))
  fmt.Println("QUOTE_URL:", *quote.Id)
}

Java

Prerequisites

// Import dependencies
import org.interledger.openpayments.httpclient.OpenPaymentsHttpClient;
import org.interledger.openpayments.IOpenPaymentsClient;
import org.interledger.openpayments.model.common.Amount;

// Initialize client
IOpenPaymentsClient client = OpenPaymentsHttpClient.defaultClient(
"WalletAddress",
"PrivateKeyPEM",
"KeyId"
);

// Get wallet address information
var receiverWallet = client.walletAddress().get("https://cloudninebank.example.com/merchant");
var senderWallet = client.walletAddress().get("https://cloudninebank.example.com/customer");

// Create incoming payment
var grantRequest = client.auth().grant().incomingPayment(receiverWallet);
var incomingPayment = client.payment().createIncoming(receiverWallet, grantRequest, BigDecimal.valueOf(11.50));

// Create quote with debit amount
var quoteRequest = client.auth().grant().quote(senderWallet);
var quote = client.quote().create(
quoteRequest.getAccess().getToken(),
senderWallet,
incomingPayment,
Optional.of(Amount.build(BigDecimal.valueOf(12.34), "USD")),// Debit Amount - Not the same as incoming payment amount.
Optional.empty()
);

// Output
log.info("QUOTE: {}", incomingPayment);

.NET

Prerequisites

// Import dependencies
using Microsoft.Extensions.DependencyInjection;
using OpenPayments.Sdk.Clients;
using OpenPayments.Sdk.Extensions;
using OpenPayments.Sdk.Generated.Resource;
using OpenPayments.Sdk.HttpSignatureUtils;

// Initialize client
var client = new ServiceCollection()
    .UseOpenPayments(opts =>
    {
        opts.UseAuthenticatedClient = true;
        opts.KeyId = CLIENT_ID;
        opts.PrivateKey = KeyUtils.LoadPem(CLIENT_SECRET);
        opts.ClientUrl = new Uri(CLIENT_WALLET_ADDRESS);
    })
    .BuildServiceProvider()
    .GetRequiredService<IAuthenticatedClient>();

// Get wallet address information
var waInfo = await client.GetWalletAddressAsync(WALLET_ADDRESS);

// Create quote with debit amount
var quote = await client.CreateQuoteAsync(
    new AuthRequestArgs
    {
        Url = waInfo.ResourceServer,
        AccessToken = QUOTE_ACCESS_TOKEN,
    },
    new QuoteBody
    {
        WalletAddress = waInfo.Id,
        Receiver = new Uri(INCOMING_PAYMENT_URL),
        Method = PaymentMethod.Ilp,
        DebitAmount = new Amount
        {
            Value = "500",
            AssetCode = waInfo.AssetCode,
            AssetScale = waInfo.AssetScale,
        }
    }
);

// Output
Console.WriteLine($"QUOTE_URL = {quote.Id}");

View full source

Create a quote with a receive amount

Authenticated client required

Create this type of quote to specify a receive amount. The receive amount is the amount that will be paid into the recipient’s wallet.

TypeScript/NodeJS

Prerequisites

Initial configuration

If you’re using JavaScript, only do the first step.

1. Add "type": "module" to package.json.

2. Add the following to tsconfig.json

   {
     "compilerOptions": {
       "target": "ES2022",
       "module": "ES2022"
     }
   }

// Import dependencies
import { createAuthenticatedClient } from '@interledger/open-payments'

// Initialize client
const client = await createAuthenticatedClient({
  walletAddressUrl: WALLET_ADDRESS,
  privateKey: PRIVATE_KEY_PATH,
  keyId: KEY_ID
})

// Get wallet address information
const walletAddress = await client.walletAddress.get({
  url: WALLET_ADDRESS
})

// Create quote with receive amount
const quote = await client.quote.create(
  {
    url: walletAddress.resourceServer,
    accessToken: QUOTE_ACCESS_TOKEN
  },
  {
    method: 'ilp',
    walletAddress: WALLET_ADDRESS,
    receiver: INCOMING_PAYMENT_URL,
    receiveAmount: {
      value: '500',
      assetCode: walletAddress.assetCode,
      assetScale: walletAddress.assetScale
    }
  }
)

// Output
console.log('QUOTE_URL =', quote.id)

For TypeScript, run tsx path/to/directory/index.ts. View full TS source

For JavaScript, run node path/to/directory/index.js. View full JS source

Rust

Prerequisites

// Import dependencies
use open_payments::client::api::AuthenticatedResources;
use open_payments::client::utils::get_resource_server_url;
use open_payments::snippets::utils::{create_authenticated_client, get_env_var, load_env};
use open_payments::types::{resource::CreateQuoteRequest, Amount, PaymentMethodType, Receiver};

// Initialize client
let client = create_authenticated_client()?;

// Create quote with receive amount
let access_token = get_env_var("QUOTE_ACCESS_TOKEN")?;
let incoming_payment_url = get_env_var("INCOMING_PAYMENT_URL")?;
let wallet_address_url = get_env_var("WALLET_ADDRESS_URL")?;
let resource_server_url = get_resource_server_url(&wallet_address_url)?;

let request = CreateQuoteRequest::FixedReceiveAmountQuote {
    wallet_address: wallet_address_url,
    receiver: Receiver(incoming_payment_url),
    method: PaymentMethodType::Ilp,
    receive_amount: Amount {
        value: "1000".to_string(),
        asset_code: "EUR".to_string(),
        asset_scale: 2u8,
    },
};

println!(
    "Quote create request JSON: {}",
    serde_json::to_string_pretty(&request)?
);

let quote = client
    .quotes()
    .create(&resource_server_url, &request, Some(&access_token))
    .await?;

// Output
println!("Created quote: {quote:#?}");

View full source

PHP

Prerequisites

// Import dependencies
use OpenPayments\AuthClient;
use OpenPayments\Config\Config;

// Initialize client
$config = new Config(
    $WALLET_ADDRESS,
    $PRIVATE_KEY,
    $KEY_ID
);
$opClient = new AuthClient($config);

// Get wallet address information
$wallet = $opClient->walletAddress()->get([
    'url' => $config->getWalletAddressUrl()
]);

// Create quote with receive amount
$newQuote = $opClient->quote()->create(
    [
        'url' => $wallet->resourceServer,
        'access_token' => $QUOTE_GRANT_ACCESS_TOKEN,
    ],
    [
        'method' => "ilp",
        'walletAddress' => $wallet->id,
        'receiver' => $INCOMING_PAYMENT_URL,
        'receiveAmount' => [
            'assetCode' => $wallet->assetCode,
            'assetScale' => $wallet->assetScale,
            'value' => "130",
        ],
    ]
);

// Output
echo 'QUOTE_URL ' . $newQuote->id . PHP_EOL;
echo 'QUOTE ' . print_r($newQuote, true) . PHP_EOL;

View full source

Go

Prerequisites

package main

// Import dependencies
import (
  "context"
  "encoding/json"
  "fmt"
  "log"

  op "github.com/interledger/open-payments-go"
  rs "github.com/interledger/open-payments-go/generated/resourceserver"
)

func main() {
  // Initialize client
  client, err := op.NewAuthenticatedClient(WALLET_ADDRESS_URL, PRIVATE_KEY_BASE_64, KEY_ID)
  if err != nil {
    log.Fatalf("Error creating authenticated client: %v\n", err)
  }

  // Get wallet address information
  walletAddress, err := client.WalletAddress.Get(context.TODO(), op.WalletAddressGetParams{
    URL: WALLET_ADDRESS_URL,
  })
  if err != nil {
    log.Fatalf("Error fetching wallet address: %v\n", err)
  }

  // Create quote with receive amount
  quote, err := client.Quote.Create(context.TODO(), op.QuoteCreateParams{
    BaseURL:     walletAddress.ResourceServer,
    AccessToken: QUOTE_ACCESS_TOKEN,
    Payload: rs.CreateQuoteJSONBody2{
      WalletAddressSchema: WALLET_ADDRESS_URL,
      Receiver:            INCOMING_PAYMENT_URL,
      Method:              "ilp",
      ReceiveAmount: rs.Amount{
        Value:      "500",
        AssetCode:  walletAddress.AssetCode,
        AssetScale: walletAddress.AssetScale,
      },
    },
  })
  if err != nil {
    log.Fatalf("Error creating quote: %v\n", err)
  }

  // Output
  quoteJSON, err := json.MarshalIndent(quote, "", "  ")
  if err != nil {
    log.Fatalf("Error marshaling quote: %v\n", err)
  }
  fmt.Println("QUOTE:", string(quoteJSON))
  fmt.Println("QUOTE_URL:", *quote.Id)
}

Java

Prerequisites

// Import dependencies
import org.interledger.openpayments.httpclient.OpenPaymentsHttpClient;
import org.interledger.openpayments.IOpenPaymentsClient;
import org.interledger.openpayments.model.common.Amount;

// Initialize client
IOpenPaymentsClient client = OpenPaymentsHttpClient.defaultClient(
"WalletAddress",
"PrivateKeyPEM",
"KeyId"
);

// Get wallet address information
var receiverWallet = client.walletAddress().get("https://cloudninebank.example.com/merchant");
var senderWallet = client.walletAddress().get("https://cloudninebank.example.com/customer");

// Create incoming payment
var grantRequest = client.auth().grant().incomingPayment(receiverWallet);
var incomingPayment = client.payment().createIncoming(receiverWallet, grantRequest, BigDecimal.valueOf(11.50));

// Create quote with receive amount
var quoteRequest = client.auth().grant().quote(senderWallet);
var quote = client.quote().create(
quoteRequest.getAccess().getToken(),
senderWallet,
incomingPayment,
Optional.empty(),
Optional.of(Amount.build(BigDecimal.valueOf(12.34), "USD"))// Receive Amount - Not the same as incoming payment amount.
);

// Output
log.info("QUOTE: {}", incomingPayment);

.NET

Prerequisites

// Import dependencies
using Microsoft.Extensions.DependencyInjection;
using OpenPayments.Sdk.Clients;
using OpenPayments.Sdk.Extensions;
using OpenPayments.Sdk.Generated.Resource;
using OpenPayments.Sdk.HttpSignatureUtils;

// Initialize client
var client = new ServiceCollection()
    .UseOpenPayments(opts =>
    {
        opts.UseAuthenticatedClient = true;
        opts.KeyId = CLIENT_ID;
        opts.PrivateKey = KeyUtils.LoadPem(CLIENT_SECRET);
        opts.ClientUrl = new Uri(CLIENT_WALLET_ADDRESS);
    })
    .BuildServiceProvider()
    .GetRequiredService<IAuthenticatedClient>();

// Get wallet address information
var waInfo = await client.GetWalletAddressAsync(WALLET_ADDRESS);

// Create quote with receive amount
var quote = await client.CreateQuoteAsync(
    new AuthRequestArgs
    {
        Url = waInfo.ResourceServer,
        AccessToken = QUOTE_ACCESS_TOKEN,
    },
    new QuoteBody
    {
        WalletAddress = waInfo.Id,
        Receiver = new Uri(INCOMING_PAYMENT_URL),
        Method = PaymentMethod.Ilp,
        ReceiveAmount = new Amount
        {
            Value = "500",
            AssetCode = waInfo.AssetCode,
            AssetScale = waInfo.AssetScale,
        }
    }
);

// Output
Console.WriteLine($"QUOTE_URL = {quote.Id}");

View full source

References

• API specification
• Quote resource