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

# POST /transfers/quote (BREB)

> Cotizar transferencia BREB sin comprometer fondos

Calcula comisión, IVA y total a debitar de tu wallet BREB para una transferencia. **No reserva fondos**.

**Scope requerido**: `WRITE`

## Body

<ParamField body="amount" type="number" required>
  Monto BRUTO a transferir en centavos (no incluye fee/IVA). Mínimo 100 (= $1 COP), máximo según cap individual BREB ($12M COP = 1\_200\_000\_000 centavos).
</ParamField>

<ParamField body="keyValue" type="string" required>
  Llave Bre-B destino (idéntico shape al de `/resolve-key`).
</ParamField>

<ParamField body="keyType" type="string" required>
  `PHONE`, `EMAIL`, `ALPHANUM` o `NRIC`. Usá el `keyType` que retornó [`/transfers/resolve-key`](/api-reference/transfers/resolve-key).
</ParamField>

## Response 200

<ResponseField name="amount" type="number">Monto bruto que cotizaste (centavos)</ResponseField>
<ResponseField name="currentBalance" type="number">Tu saldo BREB disponible al momento del quote</ResponseField>

<ResponseField name="feeBreakdown" type="object">
  <Expandable title="Schema">
    <ResponseField name="fixedFee" type="number">Comisión fija (centavos)</ResponseField>
    <ResponseField name="variableFee" type="number">Comisión variable (centavos)</ResponseField>
    <ResponseField name="subtotalFee" type="number">`fixedFee + variableFee`</ResponseField>
    <ResponseField name="ivaApplicable" type="boolean">`true` si la empresa está en régimen común</ResponseField>
    <ResponseField name="ivaAmount" type="number">IVA 19% sobre subtotalFee (centavos)</ResponseField>
    <ResponseField name="totalCharged" type="number">`subtotalFee + ivaAmount`</ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="totalCost" type="number">`amount + totalCharged` (lo que se debita)</ResponseField>
<ResponseField name="canAfford" type="boolean">`true` si `currentBalance >= totalCost`</ResponseField>
<ResponseField name="message" type="string | null">Mensaje human-readable si `canAfford=false`</ResponseField>

## Ejemplos

<RequestExample>
  ```bash curl theme={null}
  curl -X POST https://consola.mouvlatam.com/api/transfers/quote \
    -H "Authorization: Bearer mvk_..." \
    -H "Content-Type: application/json" \
    -d '{ "amount": 100000, "keyType": "PHONE", "keyValue": "3115551234" }'
  ```

  ```javascript Node.js theme={null}
  const quote = await fetch('https://consola.mouvlatam.com/api/transfers/quote', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${process.env.MOUV_API_KEY}`,
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({ amount: 100000, keyValue: '3115551234' }),
  }).then(r => r.json());

  if (!quote.canAfford) {
    throw new Error(`Saldo insuficiente: ${quote.message}`);
  }
  console.log(`Total a debitar: ${quote.totalCost / 100} COP`);
  ```
</RequestExample>

<ResponseExample>
  ```json 200 OK theme={null}
  {
    "amount": 100000,
    "currentBalance": 5000000,
    "feeBreakdown": {
      "fixedFee": 1100,
      "variableFee": 0,
      "subtotalFee": 1100,
      "ivaApplicable": true,
      "ivaAmount": 209,
      "totalCharged": 1309
    },
    "totalCost": 101309,
    "canAfford": true,
    "message": null
  }
  ```
</ResponseExample>

## Tips

* **Quote es idempotente**: hacé múltiples quotes sin riesgo de duplicar nada
* **Quote NO bloquea fondos**: si pasan minutos entre quote y send, recalculá
* **Comisión depende del rail + tipo de operación**: BREB outflow tiene su propia FeeConfig (`BREB_OUTFLOW`)
* Bre-B individual cap: **\$12M COP por transferencia**. Para montos mayores usá ACH.