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

# Quote disbursement (B2B)

> Returns a non-binding preview of fees and resolved bank holder name without writing to the database. Use before calling POST /api/v3/disbursements. No `Idempotency-Key` header is required because Quote has no DB side effects — it's safe to call repeatedly. Requires a valid `x-signature` request signature — see Authentication.



## OpenAPI

````yaml /api-reference/openapi.json post /api/v3/disbursements/quote
openapi: 3.0.0
info:
  description: >-
    LauncX V3 API for integrators — create payments, run disbursements, and
    resolve bank payout destinations.
  title: LauncX API
  contact:
    name: LauncX Support
    email: support@launcx.com
  license:
    name: Proprietary
  version: '1.0'
servers:
  - url: https://live.launcx.com
    description: Production
  - url: https://v3.launcx.com
    description: Staging
security: []
paths:
  /api/v3/disbursements/quote:
    post:
      tags:
        - B2B - Disbursements
      summary: Quote disbursement (B2B)
      description: >-
        Returns a non-binding preview of fees and resolved bank holder name
        without writing to the database. Use before calling POST
        /api/v3/disbursements. No `Idempotency-Key` header is required because
        Quote has no DB side effects — it's safe to call repeatedly. Requires a
        valid `x-signature` request signature — see Authentication.
      parameters:
        - name: x-api-key
          in: header
          description: Client API Key
          required: true
          schema:
            type: string
        - name: x-signature
          in: header
          description: >-
            HMAC-SHA256 request signature, REQUIRED on this endpoint. Format:
            t=<ms>,v1=<hex> where v1 = lowercase hex of HMAC-SHA256("<t>.<raw
            body>", signing secret). When present, x-timestamp is ignored (the t
            inside the signature is window-checked instead). Test your
            implementation with POST /api/v3/debug/signature-check.
          required: true
          schema:
            type: string
        - name: x-timestamp
          in: header
          description: Unix timestamp in milliseconds. Ignored when x-signature is present.
          required: false
          schema:
            type: string
      requestBody:
        description: Disbursement quote request
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/QuoteDisbursementRequest'
      responses:
        '200':
          description: Quote computed successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteDisbursementResponse'
        '400':
          description: >-
            Missing/empty required field, invalid amount, invalid
            client_wallet_id format, or malformed JSON body
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Invalid or missing API key, or missing/invalid request signature
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: >-
            Client wallet not found (also returned when the wallet belongs to
            another client, to avoid leaking ownership across tenants)
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '422':
          description: Bank code unsupported, account inactive, or amount below minimum
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '500':
          description: Internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '503':
          description: Payout gateway temporarily unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
components:
  schemas:
    QuoteDisbursementRequest:
      type: object
      properties:
        account_no:
          type: string
        amount:
          type: string
        bank_code:
          type: string
        client_wallet_id:
          type: string
        transfer_type:
          description: 'Optional: "BIFAST" or "RTOL", defaults to "BIFAST"'
          type: string
    QuoteDisbursementResponse:
      type: object
      properties:
        account_holder_name:
          type: string
        account_no:
          type: string
        amount:
          type: number
        bank_code:
          type: string
        bank_name:
          type: string
        currency:
          type: string
        net_amount:
          type: number
        platform_fee:
          type: number
    ErrorResponse:
      type: object
      properties:
        error:
          type: string
          example: invalid email or password

````