> ## Documentation Index > Fetch the complete documentation index at: https://docs.matocard.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Lock an exchange rate for 60 seconds > Every top-up, settlement and cash-out needs a fresh quote id. Top-ups and settlements take `USD/IDR` (paid in rupiah, Indonesian channels) or `USD/MYR` (paid in ringgit: FPX, DuitNow, Malaysian cards); the pair picks the currency. Cash-outs take `USD/IDR` only. ## OpenAPI ````yaml https://api.matocard.xyz/openapi.json post /quote openapi: 3.1.0 info: title: Matocard API version: 1.0.0 description: >- The backend the app calls. Served at `/docs` (this page) and `/openapi.json`. Guides, concepts and the contracts are in the docs: https://docs.matocard.xyz **Amounts** are decimal strings in the currency's smallest unit, never floats: AUSD has 6 decimals (`"1000000"` = 1 AUSD), IDR has none (`"50000"` = Rp 50,000), MYR is in sen. Format them with `formatAmount` from `@matocard/core`. **Signing in.** No passwords: the account's key (the Mera passkey account) signs once, and the app sends the result on every signed route as `Authorization: Matocard ..` where `until` is a unix time at most 7 days ahead and `signature` is `personal_sign` (viem `signMessage`) of exactly: ``` Sign in to Matocard until ``` The first signed call creates the user. To try a signed route here, press **Authorize** and paste the whole header value, `Matocard 0x….…`. **Errors** are `{ "error": "…" }` with a 4xx status and a message the app may show. 500 is `something went wrong` and is logged on the server. **Signed transfers (ERC-3009).** `/sends` and `/cashouts` take an AUSD `TransferWithAuthorization` the user signed, so the relayer pays the gas. EIP-712 domain on Monad testnet: `name: "Agora Dollar"`, `version: "1"`, `chainId: 10143`, `verifyingContract: 0xa9012a055bd4e0eDfF8Ce09f960291C09D5322dC`. Types: `TransferWithAuthorization(address from, address to, uint256 value, uint256 validAfter, uint256 validBefore, bytes32 nonce)`. Use a random 32-byte `nonce` per transfer. **Money in.** Top-ups and settlements return a Xendit `checkoutUrl`; open it, and the backend credits the contract when Xendit reports the payment. Poll `GET /me` (or `/me/activity`, whose `inFlight` lists payments not onchain yet) to see it land. **Which currency:** ask for a `USD/MYR` quote when `user.country` is `MY` (ringgit through Xendit Malaysia: FPX, DuitNow QR, Malaysian cards), otherwise `USD/IDR` (rupiah through Xendit Indonesia: virtual accounts, QRIS, cards). Cash-outs are always `USD/IDR`. In test mode nothing is charged: FPX and DuitNow pages have a button to succeed, and the Indonesian virtual account numbers are not real, so never transfer to them (pick one and ask the backend owner to simulate it), or pay with a Xendit test card. A card top-up shows in `collateral.pendingShares` until its hold ends (about a minute on testnet); virtual accounts, QRIS, FPX and DuitNow count at once. **Done in the app, not here:** `draw(amount, to)` (borrow, straight to anyone's wallet), `repay` / `repayWithPermit` (pay back in AUSD), `repayFromCollateral(amount)` (pay back out of collateral) and `withdrawCollateral` are the user's own transactions on the `MatoCreditLine` contract (`0x4D6279c3DD0369e788C33b3aE1297D4E9abbd01a`), paid with the MON the backend drips after KYC. Send each with `gas: gasLimits.` from `@matocard/contracts`: Monad charges the gas limit, so a fixed limit is cheaper than a padded estimate. servers: - url: https://api.matocard.xyz description: VPS, Monad testnet, Xendit and Didit in test mode - url: http://127.0.0.1:3000 description: local docker compose security: [] tags: - name: Public - name: Account description: Signed in - name: Money description: >- Signed in; top-ups and sends also need the account verified onchain (`verified` in `GET /me`) - name: Webhooks description: Called by Xendit and Didit, not by the app paths: /quote: post: tags: - Public summary: Lock an exchange rate for 60 seconds description: >- Every top-up, settlement and cash-out needs a fresh quote id. Top-ups and settlements take `USD/IDR` (paid in rupiah, Indonesian channels) or `USD/MYR` (paid in ringgit: FPX, DuitNow, Malaysian cards); the pair picks the currency. Cash-outs take `USD/IDR` only. requestBody: required: true content: application/json: schema: type: object required: - pair properties: pair: type: string enum: - USD/IDR - USD/MYR example: pair: USD/IDR responses: '200': description: Locked content: application/json: schema: $ref: '#/components/schemas/Quote' '400': $ref: '#/components/responses/Bad' security: [] components: schemas: Quote: type: object properties: id: type: string format: uuid pair: type: string enum: - USD/IDR - USD/MYR rate: type: string description: Units of the second currency per 1 USD (AUSD counts as USD) examples: - '17950' expiresAt: type: string format: date-time description: 60 seconds after it was made Error: type: object required: - error properties: error: type: string examples: - verify your identity first responses: Bad: description: The request was wrong; the message says why content: application/json: schema: $ref: '#/components/schemas/Error' ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.