> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mavapay.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Prefunded Quote (Internal Wallet)

> Learn how to create a quote funded from your internal wallet and accept it for payout

This guide covers how to create a [prefunded quote](/api-reference/endpoint/quote/get-quote) and settle it using your internal wallet balance. A prefunded quote is identical to a standard quote — the only difference is the `sourceWallet` field, which tells Mavapay to deduct the source amount directly from your internal wallet instead of expecting an external bank transfer or Lightning payment.

***

## **Prefunded Quote Flow**

Performing a prefunded payout is a two-step process: **Requesting a Quote** and **Accepting the Quote from your Wallet**.

### **Step 1: Create a Prefunded Quote**

The [quote endpoint](/api-reference/endpoint/quote/get-quote) calculates the exchange rate and fees. The request is the same as a standard quote, with one addition: the `sourceWallet` field.

<Note>
  **The `sourceWallet` field** is the only difference between a prefunded quote and a regular quote. It specifies which internal wallet to debit for the source amount. The value must correspond to the `sourceCurrency` in the quote body (e.g. `USDTCENT` → `USDT`, `BTCSAT` → `BTC`, `NGNKOBO` → `NGN`).
</Note>

```bash theme={null}
curl --location 'https://api.mavapay.co/api/v1/quote' \
--header 'Content-Type: application/json' \
--header 'x-api-key: YOUR_API_KEY' \
--data '{
    "amount": "1000",
    "sourceCurrency": "USDTCENT",
    "targetCurrency": "NGNKOBO",
    "paymentMethod": "ONCHAIN",
    "paymentCurrency": "USDTCENT",
    "sourceWallet": "USDT",
    "autopayout": true,
    "beneficiary": {
        "bankAccountNumber": "7012345678",
        "bankAccountName": "Example Customer",
        "bankCode": "100004",
        "bankName": "OPAY"
    }
}'
```

### **Step 2: The Quote Response**

Mavapay returns a quote object. Key field to note:

* **`id`** — Use this when accepting the quote from your wallet.

> **Note:** Quotes are typically valid for **5–10 minutes**. You must accept before the `expiry` timestamp.

```json theme={null}
{
  "status": "ok",
  "data": {
    "id": "b01af569-7ad3-4803-ad3c-4aa368ee98bf",
    "exchangeRate": 109495302.39059484,
    "usdToTargetCurrencyRate": 1374.033506,
    "sourceCurrency": "USDTCENT",
    "targetCurrency": "NGNKOBO",
    "transactionFeesInSourceCurrency": 8,
    "transactionFeesInTargetCurrency": 10305,
    "amountInSourceCurrency": 1000,
    "amountInTargetCurrency": 1363041,
    "paymentMethod": "ONCHAIN",
    "expiry": "2026-08-27T11:16:41.564Z",
    "isValid": true,
    "invoice": "",
    "hash": "",
    "totalAmountInSourceCurrency": 1000,
    "customerInternalFee": 0,
    "invoiceRequired": false,
    "onchainAddress": "MPY_USDTCENT_1787828801564",
    "network": "trc20",
    "memo": "MAVAPAY_INTERNAL",
    "orderId": "260827-GDTV6-28K3N"
  }
}
```

### **Step 3: Accept and Settle from Wallet**

To finalize the payout, call the [accept endpoint](/api-reference/endpoint/wallet/accept-quote). This will immediately deduct the `totalAmountInSourceCurrency` from your internal wallet and process the payout to the beneficiary.

* **Endpoint:** `POST .../wallet/payout/{quoteId}/accept`
* **Payload:** The `sourceWallet` value must match the one used in the original quote.

```bash theme={null}
curl --location 'https://api.mavapay.co/api/v1/wallet/payout/b01af569-7ad3-4803-ad3c-4aa368ee98bf/accept' \
--header 'Content-Type: application/json' \
--header 'x-api-key: YOUR_API_KEY' \
--data '{
    "sourceWallet": "USDT"
}'
```

**200 Response:**

```json theme={null}
{
    "status": "ok",
    "message": "quote is being processed"
}
```

**400 Response (Insufficient Balance):**

```json theme={null}
{
    "status": "error",
    "message": "Error processing internal transfer: Insufficient balance in USDT wallet"
}
```

***

## **Key Considerations**

* **Sufficient Balance:** Ensure your internal wallet has enough funds to cover the `totalAmountInSourceCurrency` (which includes fees).
* **Rate Volatility:** Because exchange rates change rapidly, the quote `id` is short-lived. If it expires, you must generate a new quote.
* **Denominations:** All amounts are in the lowest denomination (cents for USDTCENT, kobo for NGNKOBO, satoshis for BTCSAT).

## **Related Resources**

* [Create Quote API](/api-reference/endpoint/quote/get-quote) — Full quote endpoint reference
* [Accept Quote API](/api-reference/endpoint/wallet/accept-quote) — Wallet accept endpoint reference
* [Beneficiary Formats](/guides/beneficiary-formats) — Required beneficiary formats for each currency
* [Internal Currency Swap](/guides/internal-currency-swap) — Similar flow for swapping between internal wallets