> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Get my FX rates and fees > Returns the exchange rates that apply to the calling account for each country — the same rates used when operations execute (`local_amount / rate = USDT`) — plus the account's **effective** fee configuration — org defaults already resolved against your account's overrides — so clients can compute the exact cost of an operation before creating it. `rate` is the payout (dispersal) side and `payin_rate` the payin (deposit) side. `asset_prices` carries the USD reference price of each virtual balance asset (BTC per unit, GOLD per gram; stablecoins are 1 by convention) for display/valuation. The `settlement` block shows, per enabled asset, the **effective settlement price** your account would get right now if it paid an operation from that balance (`settlement_rate`, spread included) and whether the asset is currently `available` — use it to estimate before sending `settlement_asset` in a payout. ## OpenAPI ````yaml /openapi.yaml get /v1/rates openapi: 3.1.0 info: title: CBPay API version: '1.89' description: | CBPay is a multi-currency payment platform: fiat payouts and collections across Latin America, internal transfers, on-chain funding and withdrawals, and KYC screening. Every account holds four independent virtual balances — USDT (the operating currency), USDC, BTC and GOLD (grams of fine gold) — that never mix or convert automatically. Payouts and service fees can be paid from any of the four balances: set a default with `PUT /v1/settlement` or override per payout with `settlement_asset`. All amounts are decimal strings in each currency's precision (6 decimals for USDT/USDC/GOLD, 8 for BTC). Errors always return `{"error": "", "message": ""}`. servers: - url: https://api.qbank.cl/platform description: Live (production, real money) - url: https://cryptobank.qbank.cl/platform description: Test (sandbox, simulated money — pk_test_ keys) security: - bearerAuth: [] tags: - name: Receipts description: >- Branded PDF receipt per operation, with a public signed-QR authenticity check, receipt_url on every response/webhook and automatic email delivery on final states. - name: Authentication description: Register and log in account members. Sessions last 24 hours. - name: Account description: Profile, members and API keys of the calling account. - name: Balances description: Balances, movement history and FX rates. - name: Payouts description: >- Fiat dispersals debited from the settlement balance of your choice (USDT by default). - name: Payins description: Fiat top-ups credited to the USDT balance. - name: Transfers - name: Contacts - name: Swaps description: >- Free internal transfers between CBPay accounts (person or company, any combination). - name: Crypto description: On-chain funding and withdrawals (TRON, Ethereum and Bitcoin). - name: Segregated wallets description: >- On-chain wallets with their own balance (companies unlimited; persons 1 per network+asset pair) — create, import, send, export the private key and auto-forward. The balance lives on-chain, never in the ledger. - name: QR Crypto POS description: >- Amount-bearing crypto QR charges for processors with physical POS terminals (company accounts): verified merchants, exclusive address + QR per charge, early payment detection, per-merchant reconciliation and refunds over the crypto withdrawal rail. - name: KYC / KYB - name: AML screening description: >- Identity verification: KYC for persons, KYB for companies, with AML screening, rescreening and continuous monitoring. - name: Wallet screening description: >- AML risk assessment of blockchain addresses (sanctions, illicit-fund exposure) with a per-scan fee, plus free automatic protection on withdrawals and deposits. - name: Analytics - name: Webhooks description: Subscriptions to receive signed event notifications. - name: Status description: Service availability. - name: Banking description: >- Real bank accounts: receive, hold and send money over international banking rails. - name: Cards description: >- Virtual and physical cards that spend Just-In-Time from the account's USDT balance, with per-card spending limits. - name: Security (OTP) description: >- One-time verification codes over SMS/WhatsApp/email protecting sensitive actions, plus self-service 2FA preferences. Applies to user sessions only — API keys are exempt. - name: Passkeys description: >- Passwordless sign-in with the device's biometrics (Face ID, Touch ID, Windows Hello, security keys) via WebAuthn, authenticator apps (TOTP) with backup codes, and session/device management. - name: Social login description: >- Passwordless sign up and sign in with Google, Apple, Microsoft and Facebook via token exchange. The front end obtains the provider credential; the API verifies it and issues the CBPay session. paths: /v1/rates: get: tags: - Balances summary: Get my FX rates and fees description: >- Returns the exchange rates that apply to the calling account for each country — the same rates used when operations execute (`local_amount / rate = USDT`) — plus the account's **effective** fee configuration — org defaults already resolved against your account's overrides — so clients can compute the exact cost of an operation before creating it. `rate` is the payout (dispersal) side and `payin_rate` the payin (deposit) side. `asset_prices` carries the USD reference price of each virtual balance asset (BTC per unit, GOLD per gram; stablecoins are 1 by convention) for display/valuation. The `settlement` block shows, per enabled asset, the **effective settlement price** your account would get right now if it paid an operation from that balance (`settlement_rate`, spread included) and whether the asset is currently `available` — use it to estimate before sending `settlement_asset` in a payout. operationId: getRates responses: '200': description: Rates, reference asset prices and fees. content: application/json: schema: type: object properties: base: type: string example: USD rates: type: object additionalProperties: type: object properties: currency: type: string example: CLP rate: type: string description: Rate applied to payouts (dispersals). example: '950.123456' payin_rate: type: string description: Rate applied to payins (fiat deposits/collections). example: '955.10' asset_prices: type: object description: >- USD reference price per virtual balance asset (display/valuation). additionalProperties: type: object properties: currency: type: string example: USD unit: type: string description: >- Unit the price refers to (`btc`, `gram`, `usdt`, `usdc`). example: gram price: type: string example: '107.5341' updated_at: type: string description: When this price was last updated. settlement_grade: type: boolean description: >- True when the price is fresh enough to execute settlements (operations paid from that balance). settlement: type: object description: Effective settlement pricing for the calling account. properties: default_asset: type: string description: >- The balance operations debit from when no `settlement_asset` override is sent. example: USDT assets: type: array items: type: object properties: asset: type: string example: BTC available: type: boolean description: >- False when the asset cannot be used right now (disabled or execution price unavailable). settlement_rate: type: string description: >- Effective USD price per unit at which your balance would be valued (spread included); empty when unavailable. example: '109029.34' updated_at: type: string fees: type: array items: $ref: '#/components/schemas/FeeConfig' example: base: USD rates: chile: currency: CLP rate: '950.25' payin_rate: '955.10' mexico: currency: MXN rate: '17.50' payin_rate: '17.62' peru: currency: PEN rate: '3.72' payin_rate: '3.75' asset_prices: USDT: currency: USD unit: usdt price: '1' USDC: currency: USD unit: usdc price: '1' BTC: currency: USD unit: btc price: '109853.24' updated_at: '2026-07-07T11:59:41Z' settlement_grade: true GOLD: currency: USD unit: gram price: '107.5341' updated_at: '2026-07-07T09:12:05Z' settlement_grade: true settlement: default_asset: USDT assets: - asset: USDT available: true settlement_rate: '1' - asset: USDC available: true settlement_rate: '0.99900000' - asset: BTC available: true settlement_rate: '109029.34070000' - asset: GOLD available: true settlement_rate: '106.99642950' updated_at: '2026-07-07T12:00:00Z' fees: - id: 3c2b1a09-8d7e-6f5a-4b3c-2d1e0f9a8b7c org_id: 1c9e7a2b-5f6d-4e3a-8c1b-2a9d8e7f6a5b account_id: '' service: payout country: CL asset: USDT percent: '0' fixed_amount: '0.30' status: active updated_at: '2026-07-07T12:00:00Z' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/AccountRequired' '502': description: FX rates temporarily unavailable (`rates_unavailable`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: rates_unavailable message: could not fetch fx rates components: schemas: FeeConfig: type: object properties: id: type: string format: uuid org_id: type: string format: uuid account_id: type: string description: Empty when the fee is a CBPay default (not an account override). service: type: string enum: - payout - payin - funding - withdrawal - compliance_person - compliance_company - compliance_rescreen - compliance_transaction - compliance_monitoring country: type: string asset: type: string example: USDT percent: type: string example: '1.5' fixed_amount: type: string example: '0.30' status: type: string example: active updated_at: type: string format: date-time Error: type: object properties: error: type: string description: Machine-readable error code (snake_case). example: insufficient_funds message: type: string description: Human-readable explanation. responses: Unauthorized: description: Missing or invalid credential (`unauthorized`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials AccountRequired: description: This endpoint requires an account credential (`account_required`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: account_required message: this endpoint requires an account credential securitySchemes: bearerAuth: type: http scheme: bearer description: | Session JWT (from register/login) or API key (`pk_...`). `X-API-Key: ` is accepted as an alternative header. ````