mece request / payment economics

api/payments/orchestrator/internal/service/orchestrationv2/prmap/intent_mapping.go

@@ -6,6 +6,7 @@ import (
 
 	"github.com/tech/sendico/payments/storage/model"
 	pkgmodel "github.com/tech/sendico/pkg/model"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
@@ -28,12 +29,16 @@ func mapIntentSnapshot(src model.PaymentIntent) (*quotationv2.QuoteIntent, error
 	}
 
 	settlementMode := settlementModeToProto(src.SettlementMode)
+	feeTreatment := payecon.DefaultFeeTreatment()
+	if len(src.Attributes) > 0 {
+		feeTreatment = payecon.ResolveFeeTreatmentFromStringOrDefault(src.Attributes["fee_treatment"])
+	}
 	return &quotationv2.QuoteIntent{
 		Source:             source,
 		Destination:        destination,
 		Amount:             moneyToProto(src.Amount),
 		SettlementMode:     settlementMode,
-		FeeTreatment:       feeTreatmentForSettlementMode(settlementMode),
+		FeeTreatment:       feeTreatment,
 		SettlementCurrency: strings.ToUpper(strings.TrimSpace(src.SettlementCurrency)),
 		Comment:            strings.TrimSpace(src.Attributes["comment"]),
 	}, nil
@@ -186,15 +191,6 @@ func settlementModeToProto(mode model.SettlementMode) paymentv1.SettlementMode {
 	}
 }
 
-func feeTreatmentForSettlementMode(mode paymentv1.SettlementMode) quotationv2.FeeTreatment {
-	switch mode {
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
-	}
-}
-
 func uintToString(value uint32) string {
 	if value == 0 {
 		return ""

api/payments/orchestrator/internal/service/orchestrationv2/prmap/quote_mapping.go

@@ -5,6 +5,7 @@ import (
 	"time"
 
 	"github.com/tech/sendico/payments/storage/model"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
@@ -42,7 +43,7 @@ func mapQuoteSnapshot(
 		ExecutionConditions:     executionConditionsToProto(src.ExecutionConditions),
 		PayerTotalDebitAmount:   moneyToProto(src.TotalCost),
 		ResolvedSettlementMode:  resolvedSettlementMode,
-		ResolvedFeeTreatment:    feeTreatmentForSettlementMode(resolvedSettlementMode),
+		ResolvedFeeTreatment:    payecon.DefaultFeeTreatment(),
 		IntentRef:               strings.TrimSpace(intentRef),
 	}
 }

api/payments/orchestrator/internal/service/orchestrationv2/prmap/service_test.go

@@ -53,7 +53,7 @@ func TestMap_Success(t *testing.T) {
 	if got, want := intent.GetSettlementMode(), paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE; got != want {
 		t.Fatalf("settlement_mode mismatch: got=%s want=%s", got.String(), want.String())
 	}
-	if got, want := intent.GetFeeTreatment(), quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE; got != want {
+	if got, want := intent.GetFeeTreatment(), quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION; got != want {
 		t.Fatalf("fee_treatment mismatch: got=%s want=%s", got.String(), want.String())
 	}
 	if got, want := intent.GetComment(), "invoice-7"; got != want {
@@ -92,7 +92,7 @@ func TestMap_Success(t *testing.T) {
 	if got, want := quote.GetResolvedSettlementMode(), paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED; got != want {
 		t.Fatalf("resolved_settlement_mode mismatch: got=%s want=%s", got.String(), want.String())
 	}
-	if got, want := quote.GetResolvedFeeTreatment(), quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION; got != want {
+	if got, want := quote.GetResolvedFeeTreatment(), quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE; got != want {
 		t.Fatalf("resolved_fee_treatment mismatch: got=%s want=%s", got.String(), want.String())
 	}
 	if got, want := quote.GetIntentRef(), payment.IntentSnapshot.Ref; got != want {
@@ -242,6 +242,7 @@ func newPaymentFixture() *agg.Payment {
 			SettlementCurrency: "USD",
 			Attributes: map[string]string{
 				"comment":       "invoice-7",
+				"fee_treatment": "deduct_from_destination",
 			},
 		},
 		QuoteSnapshot: &model.PaymentQuoteSnapshot{

api/payments/quotation/internal/service/quotation/helpers.go

@@ -15,7 +15,7 @@ import (
 	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 )
 
 type moneyGetter interface {
@@ -156,7 +156,14 @@ func resolveTradeAmounts(intentAmount *moneyv1.Money, fxQuote *oraclev1.Quote, s
 	}
 }
 
-func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse, fxQuote *oraclev1.Quote, mode paymentv1.SettlementMode) (*moneyv1.Money, *moneyv1.Money) {
+func computeAggregates(
+	pay,
+	settlement,
+	fee *moneyv1.Money,
+	network *chainv1.EstimateTransferFeeResponse,
+	fxQuote *oraclev1.Quote,
+	feeTreatment quotationv2.FeeTreatment,
+) (*moneyv1.Money, *moneyv1.Money) {
 	if pay == nil {
 		return nil, nil
 	}
@@ -197,21 +204,20 @@ func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.Est
 		}
 	}
 
-	switch mode {
+	switch feeTreatment {
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
+	case quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
-		// Sender pays the fee: keep settlement fixed, increase debit.
-		applyChargeToDebit(fee)
-	default:
-		// Recipient pays the fee (default): reduce settlement, keep debit fixed.
 		applyChargeToSettlement(fee)
+	default:
+		// Default to payer-covers-fee when fee_treatment is omitted.
+		applyChargeToDebit(fee)
 	}
 
 	if network != nil && network.GetNetworkFee() != nil {
-		switch mode {
+		switch feeTreatment {
-		case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
+		case quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
-			applyChargeToDebit(network.GetNetworkFee())
-		default:
 			applyChargeToSettlement(network.GetNetworkFee())
+		default:
+			applyChargeToDebit(network.GetNetworkFee())
 		}
 	}
 

api/payments/quotation/internal/service/quotation/helpers_economics_test.go

@@ -0,0 +1,72 @@
+package quotation
+
+import (
+	"testing"
+
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func TestComputeAggregates_AddToSource(t *testing.T) {
+	debit, settlement := computeAggregates(
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "10", Currency: "USD"},
+		nil,
+		nil,
+		quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+	)
+	if debit == nil || settlement == nil {
+		t.Fatalf("expected aggregate amounts")
+	}
+	if got, want := debit.GetAmount(), "110"; got != want {
+		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
+	}
+	if got, want := settlement.GetAmount(), "100"; got != want {
+		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
+	}
+}
+
+func TestComputeAggregates_DeductFromDestination(t *testing.T) {
+	debit, settlement := computeAggregates(
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "10", Currency: "USD"},
+		nil,
+		nil,
+		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+	)
+	if debit == nil || settlement == nil {
+		t.Fatalf("expected aggregate amounts")
+	}
+	if got, want := debit.GetAmount(), "100"; got != want {
+		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
+	}
+	if got, want := settlement.GetAmount(), "90"; got != want {
+		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
+	}
+}
+
+func TestComputeAggregates_NetworkFeeFollowsFeeTreatment(t *testing.T) {
+	networkFee := &chainv1.EstimateTransferFeeResponse{
+		NetworkFee: &moneyv1.Money{Amount: "2", Currency: "USD"},
+	}
+	debit, settlement := computeAggregates(
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		&moneyv1.Money{Amount: "10", Currency: "USD"},
+		networkFee,
+		nil,
+		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+	)
+	if debit == nil || settlement == nil {
+		t.Fatalf("expected aggregate amounts")
+	}
+	if got, want := debit.GetAmount(), "100"; got != want {
+		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
+	}
+	if got, want := settlement.GetAmount(), "88"; got != want {
+		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
+	}
+}

api/payments/quotation/internal/service/quotation/internal_helpers.go

@@ -5,8 +5,10 @@ import (
 	"strings"
 	"time"
 
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
 )
 
@@ -89,3 +91,21 @@ func fxIntentForQuote(intent *sharedv1.PaymentIntent) *sharedv1.FXIntent {
 		Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
 	}
 }
+
+func resolvedFeeTreatmentForQuote(intent *sharedv1.PaymentIntent) quotationv2.FeeTreatment {
+	if intent == nil {
+		return payecon.DefaultFeeTreatment()
+	}
+	attrs := intent.GetAttributes()
+	if len(attrs) == 0 {
+		return payecon.DefaultFeeTreatment()
+	}
+
+	keys := []string{"fee_treatment", "feeTreatment"}
+	for _, key := range keys {
+		if value := strings.TrimSpace(attrs[key]); value != "" {
+			return payecon.ResolveFeeTreatmentFromStringOrDefault(value)
+		}
+	}
+	return payecon.DefaultFeeTreatment()
+}

api/payments/quotation/internal/service/quotation/quotation_service_v2/converters.go

@@ -86,7 +86,7 @@ func canonicalFromSnapshot(
 		Conditions:              protoExecutionConditionsFromModel(snapshot.ExecutionConditions),
 		FXQuote:                 protoFXQuoteFromModel(snapshot.FXQuote),
 		ResolvedSettlementMode:  resolvedSettlementMode,
-		ResolvedFeeTreatment:    resolvedFeeTreatmentForSettlementMode(resolvedSettlementMode),
+		ResolvedFeeTreatment:    defaultResolvedFeeTreatment(),
 		ExpiresAt:               expiresAt,
 		PricedAt:                pricedAt,
 	}

api/payments/quotation/internal/service/quotation/quotation_service_v2/helpers.go

@@ -5,6 +5,7 @@ import (
 	"time"
 
 	"github.com/tech/sendico/payments/storage/model"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
@@ -57,11 +58,6 @@ func resolvedSettlementModeFromModel(mode model.SettlementMode) paymentv1.Settle
 	}
 }
 
-func resolvedFeeTreatmentForSettlementMode(mode paymentv1.SettlementMode) quotationv2.FeeTreatment {
+func defaultResolvedFeeTreatment() quotationv2.FeeTreatment {
-	switch mode {
+	return payecon.DefaultFeeTreatment()
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
-	}
 }

api/payments/quotation/internal/service/quotation/quotation_service_v2/single_processor.go

@@ -177,7 +177,7 @@ func (p *singleIntentProcessorV2) Process(
 		canonical.ResolvedSettlementMode = resolvedSettlementModeFromModel(planItem.Intent.SettlementMode)
 	}
 	if canonical.ResolvedFeeTreatment == 0 {
-		canonical.ResolvedFeeTreatment = resolvedFeeTreatmentForSettlementMode(canonical.ResolvedSettlementMode)
+		canonical.ResolvedFeeTreatment = defaultResolvedFeeTreatment()
 	}
 
 	mapped, mapErr := p.mapper.Map(quote_response_mapper_v2.MapInput{

api/payments/quotation/internal/service/quotation/quotation_v2_wiring.go

@@ -11,6 +11,7 @@ import (
 	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
 	"github.com/tech/sendico/payments/storage/model"
 	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
@@ -129,6 +130,10 @@ func mapLegacyQuote(in quote_computation_service.BuildQuoteInput, src *sharedv1.
 	if resolvedSettlementMode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED {
 		resolvedSettlementMode = paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE
 	}
+	resolvedFeeTreatment := payecon.DefaultFeeTreatment()
+	if attrs := in.Intent.Attributes; len(attrs) > 0 {
+		resolvedFeeTreatment = payecon.ResolveFeeTreatmentFromStringOrDefault(attrs["fee_treatment"])
+	}
 	return &quote_computation_service.ComputedQuote{
 		DebitAmount:            cloneProtoMoney(src.GetDebitSettlementAmount()),
 		CreditAmount:           cloneProtoMoney(src.GetExpectedSettlementAmount()),
@@ -139,16 +144,7 @@ func mapLegacyQuote(in quote_computation_service.BuildQuoteInput, src *sharedv1.
 		Route:                  cloneRouteSpecification(in.Route),
 		ExecutionConditions:    cloneExecutionConditions(in.ExecutionConditions),
 		ResolvedSettlementMode: resolvedSettlementMode,
-		ResolvedFeeTreatment:   feeTreatmentForSettlementMode(resolvedSettlementMode),
+		ResolvedFeeTreatment:   resolvedFeeTreatment,
-	}
-}
-
-func feeTreatmentForSettlementMode(mode paymentv1.SettlementMode) quotationv2.FeeTreatment {
-	switch mode {
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
 	}
 }
 

api/payments/quotation/internal/service/quotation/quote_computation_service/computed_quote_enricher.go

@@ -37,7 +37,7 @@ func ensureComputedQuote(src *ComputedQuote, item *QuoteComputationPlanItem) *Co
 		src.ResolvedFeeTreatment = item.ResolvedFeeTreatment
 	}
 	if src.ResolvedFeeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
-		src.ResolvedFeeTreatment = resolvedFeeTreatmentForSettlementMode(src.ResolvedSettlementMode)
+		src.ResolvedFeeTreatment = defaultResolvedFeeTreatment()
 	}
 	return src
 }

api/payments/quotation/internal/service/quotation/quote_computation_service/economics.go

@@ -2,6 +2,7 @@ package quote_computation_service
 
 import (
 	"github.com/tech/sendico/payments/storage/model"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 )
@@ -17,11 +18,6 @@ func resolvedSettlementModeFromModel(mode model.SettlementMode) paymentv1.Settle
 	}
 }
 
-func resolvedFeeTreatmentForSettlementMode(mode paymentv1.SettlementMode) quotationv2.FeeTreatment {
+func defaultResolvedFeeTreatment() quotationv2.FeeTreatment {
-	switch mode {
+	return payecon.DefaultFeeTreatment()
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
-	}
 }

api/payments/quotation/internal/service/quotation/quote_computation_service/planner.go

@@ -10,6 +10,7 @@ import (
 	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
 	"github.com/tech/sendico/payments/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 	"go.mongodb.org/mongo-driver/v2/bson"
@@ -256,7 +257,7 @@ func (s *QuoteComputationService) buildPlanItem(
 		ExecutionConditions: cloneExecutionConditions(conditions),
 	}
 	resolvedSettlementMode := resolvedSettlementModeFromModel(modelIntent.SettlementMode)
-	resolvedFeeTreatment := resolvedFeeTreatmentForSettlementMode(resolvedSettlementMode)
+	resolvedFeeTreatment := resolvedFeeTreatmentFromHydratedIntent(intent)
 
 	intentRef := strings.TrimSpace(modelIntent.Ref)
 	if intentRef == "" {
@@ -288,6 +289,13 @@ func (s *QuoteComputationService) buildPlanItem(
 	}, nil
 }
 
+func resolvedFeeTreatmentFromHydratedIntent(intent *transfer_intent_hydrator.QuoteIntent) quotationv2.FeeTreatment {
+	if intent == nil {
+		return defaultResolvedFeeTreatment()
+	}
+	return payecon.ResolveFeeTreatmentFromStringOrDefault(string(intent.FeeTreatment))
+}
+
 func deriveItemIdempotencyKey(base string, total, index int) string {
 	base = strings.TrimSpace(base)
 	if base == "" {

api/payments/quotation/internal/service/quotation/quote_engine.go

@@ -119,7 +119,14 @@ func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *quo
 		s.logger.Debug("Network fee estimated", zap.String("org_ref", orgRef))
 	}
 
-	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote, intent.GetSettlementMode())
+	debitAmount, settlementAmount := computeAggregates(
+		payAmount,
+		settlementAmountBeforeFees,
+		feeTotal,
+		networkFee,
+		fxQuote,
+		resolvedFeeTreatmentForQuote(intent),
+	)
 
 	quote := &sharedv1.PaymentQuote{
 		DebitAmount:              debitAmount,

api/payments/quotation/internal/service/quotation/quote_request_validator/quote_request_validator.go

@@ -6,6 +6,7 @@ import (
 	"strings"
 
 	"github.com/tech/sendico/pkg/merrors"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
@@ -151,46 +152,15 @@ func validateSettlementAndFeeTreatment(
 	feeTreatment quotationv2.FeeTreatment,
 	field string,
 ) error {
-	if mode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED {
+	if !payecon.IsValidSettlementMode(mode) {
-		if feeTreatment != quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
-			return merrors.InvalidArgument(field + ".settlement_mode is required when fee_treatment is set")
-		}
-		// Both omitted is allowed and will be normalized by the hydrator.
-		return nil
-	}
-
-	expected, ok := expectedFeeTreatmentForMode(mode)
-	if !ok {
 		return merrors.InvalidArgument(field + ".settlement_mode is invalid")
 	}
-
+	if !payecon.IsValidFeeTreatment(feeTreatment) {
-	if feeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
+		return merrors.InvalidArgument(field + ".fee_treatment is invalid")
-		return nil
-	}
-	if feeTreatment != expected {
-		return merrors.InvalidArgument(
-			fmt.Sprintf(
-				"%s.fee_treatment conflicts with settlement_mode %s (expected %s)",
-				field,
-				mode.String(),
-				expected.String(),
-			),
-		)
 	}
 	return nil
 }
 
-func expectedFeeTreatmentForMode(mode paymentv1.SettlementMode) (quotationv2.FeeTreatment, bool) {
-	switch mode {
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE, true
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION, true
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED, false
-	}
-}
-
 func hasEndpointValue(endpoint *endpointv1.PaymentEndpoint) bool {
 	if endpoint == nil {
 		return false

api/payments/quotation/internal/service/quotation/quote_request_validator/quote_request_validator_test.go

@@ -116,7 +116,7 @@ func TestValidateQuotePayment_Rules(t *testing.T) {
 			checkErr: func(err error) bool { return err != nil && strings.Contains(err.Error(), "intent.source is required") },
 		},
 		{
-			name: "fee treatment requires settlement mode",
+			name: "invalid settlement mode",
 			req: &quotationv2.QuotePaymentRequest{
 				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
 				IdempotencyKey: "idem-1",
@@ -125,17 +125,17 @@ func TestValidateQuotePayment_Rules(t *testing.T) {
 					Destination:    endpointWithMethodRef("pm-dst"),
 					Amount:         &moneyv1.Money{Amount: "10", Currency: "USD"},
 					FeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
-					SettlementMode: paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+					SettlementMode: paymentv1.SettlementMode(99),
 				},
 				PreviewOnly:  false,
 				InitiatorRef: "actor-1",
 			},
 			checkErr: func(err error) bool {
-				return err != nil && strings.Contains(err.Error(), "intent.settlement_mode is required when fee_treatment is set")
+				return err != nil && strings.Contains(err.Error(), "intent.settlement_mode is invalid")
 			},
 		},
 		{
-			name: "conflicting fee treatment is rejected",
+			name: "invalid fee treatment",
 			req: &quotationv2.QuotePaymentRequest{
 				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
 				IdempotencyKey: "idem-1",
@@ -144,13 +144,13 @@ func TestValidateQuotePayment_Rules(t *testing.T) {
 					Destination:    endpointWithMethodRef("pm-dst"),
 					Amount:         &moneyv1.Money{Amount: "10", Currency: "USD"},
 					SettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
-					FeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+					FeeTreatment:   quotationv2.FeeTreatment(99),
 				},
 				PreviewOnly:  false,
 				InitiatorRef: "actor-1",
 			},
 			checkErr: func(err error) bool {
-				return err != nil && strings.Contains(err.Error(), "intent.fee_treatment conflicts with settlement_mode")
+				return err != nil && strings.Contains(err.Error(), "intent.fee_treatment is invalid")
 			},
 		},
 	}
@@ -272,6 +272,64 @@ func TestValidateQuotePayments_Rules(t *testing.T) {
 	}
 }
 
+func TestValidateQuotePayment_EconomicsKnobsAreIndependent(t *testing.T) {
+	validator := New()
+	orgHex := bson.NewObjectID().Hex()
+
+	combinations := []struct {
+		name string
+		mode paymentv1.SettlementMode
+		fee  quotationv2.FeeTreatment
+	}{
+		{
+			name: "fix_source with add_to_source",
+			mode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name: "fix_source with deduct_from_destination",
+			mode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+		{
+			name: "fix_received with add_to_source",
+			mode: paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name: "fix_received with deduct_from_destination",
+			mode: paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+		{
+			name: "fee specified while settlement mode omitted",
+			mode: paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+	}
+
+	for _, tc := range combinations {
+		t.Run(tc.name, func(t *testing.T) {
+			req := &quotationv2.QuotePaymentRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intent: &quotationv2.QuoteIntent{
+					Source:         endpointWithMethodRef("pm-src"),
+					Destination:    endpointWithMethodRef("pm-dst"),
+					Amount:         &moneyv1.Money{Amount: "10", Currency: "USD"},
+					SettlementMode: tc.mode,
+					FeeTreatment:   tc.fee,
+				},
+				InitiatorRef: "actor-1",
+			}
+
+			if _, err := validator.ValidateQuotePayment(req); err != nil {
+				t.Fatalf("expected economics combination to be accepted, got %v", err)
+			}
+		})
+	}
+}
+
 func validQuoteIntent() *quotationv2.QuoteIntent {
 	return &quotationv2.QuoteIntent{
 		Source:         endpointWithMethodRef("pm-src"),

api/payments/quotation/internal/service/quotation/quote_response_mapper_v2/service.go

@@ -4,6 +4,7 @@ import (
 	"strings"
 	"time"
 
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	storablev1 "github.com/tech/sendico/pkg/proto/common/storable/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
@@ -24,7 +25,7 @@ func (m *QuoteResponseMapperV2) Map(in MapInput) (*MapOutput, error) {
 	}
 	expiresAt := normalizeQuoteExpiresAt(in.Quote.ExpiresAt, in.Quote.FXQuote)
 	settlementMode := normalizeResolvedSettlementMode(in.Quote.ResolvedSettlementMode)
-	feeTreatment := normalizeResolvedFeeTreatment(settlementMode, in.Quote.ResolvedFeeTreatment)
+	feeTreatment := normalizeResolvedFeeTreatment(in.Quote.ResolvedFeeTreatment)
 
 	result := &quotationv2.PaymentQuote{
 		Storable:                mapStorable(in.Meta),
@@ -94,26 +95,12 @@ func normalizeResolvedSettlementMode(mode paymentv1.SettlementMode) paymentv1.Se
 	}
 }
 
-func normalizeResolvedFeeTreatment(
+func normalizeResolvedFeeTreatment(feeTreatment quotationv2.FeeTreatment) quotationv2.FeeTreatment {
-	mode paymentv1.SettlementMode,
+	if !payecon.IsValidFeeTreatment(feeTreatment) {
-	feeTreatment quotationv2.FeeTreatment,
+		return payecon.DefaultFeeTreatment()
-) quotationv2.FeeTreatment {
+	}
-	expected := expectedFeeTreatmentForMode(mode)
+	if feeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
-	switch feeTreatment {
+		return payecon.DefaultFeeTreatment()
-	case quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+	}
-		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
-		if feeTreatment == expected {
 	return feeTreatment
-		}
-	}
-	return expected
-}
-
-func expectedFeeTreatmentForMode(mode paymentv1.SettlementMode) quotationv2.FeeTreatment {
-	switch mode {
-	case paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
-	default:
-		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
-	}
 }

api/payments/quotation/internal/service/quotation/quote_response_mapper_v2/service_test.go

@@ -171,6 +171,32 @@ func TestMap_DefaultsResolvedEconomicsWhenUnset(t *testing.T) {
 	}
 }
 
+func TestMap_PreservesIndependentResolvedFeeTreatment(t *testing.T) {
+	mapper := New()
+	out, err := mapper.Map(MapInput{
+		Quote: CanonicalQuote{
+			TransferPrincipalAmount: &moneyv1.Money{Amount: "1", Currency: "USDT"},
+			ResolvedSettlementMode:  paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+			ResolvedFeeTreatment:    quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		Status: QuoteStatus{
+			State: quotationv2.QuoteState_QUOTE_STATE_EXECUTABLE,
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if out == nil || out.Quote == nil {
+		t.Fatalf("expected mapped quote")
+	}
+	if got, want := out.Quote.GetResolvedSettlementMode(), paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED; got != want {
+		t.Fatalf("unexpected resolved_settlement_mode: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := out.Quote.GetResolvedFeeTreatment(), quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE; got != want {
+		t.Fatalf("unexpected resolved_fee_treatment: got=%s want=%s", got.String(), want.String())
+	}
+}
+
 func TestMap_BlockedQuote(t *testing.T) {
 	mapper := New()
 	out, err := mapper.Map(MapInput{

api/payments/quotation/internal/service/quotation/transfer_intent_hydrator/hydrator.go

@@ -7,6 +7,7 @@ import (
 	"strings"
 
 	"github.com/tech/sendico/pkg/merrors"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	methodsv1 "github.com/tech/sendico/pkg/proto/payments/methods/v1"
@@ -177,31 +178,17 @@ func resolveEconomics(
 	mode paymentv1.SettlementMode,
 	feeTreatment quotationv2.FeeTreatment,
 ) (QuoteSettlementMode, QuoteFeeTreatment, error) {
-	if mode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED &&
+	if !payecon.IsValidSettlementMode(mode) {
-		feeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
-		return QuoteSettlementModeFixSource, QuoteFeeTreatmentAddToSource, nil
-	}
-	if mode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED {
-		return QuoteSettlementModeUnspecified, QuoteFeeTreatmentUnspecified, merrors.InvalidArgument("intent.settlement_mode is required when fee_treatment is set")
-	}
-
-	resolvedMode := settlementModeFromProto(mode)
-	if resolvedMode == QuoteSettlementModeUnspecified {
 		return QuoteSettlementModeUnspecified, QuoteFeeTreatmentUnspecified, merrors.InvalidArgument("intent.settlement_mode is invalid")
 	}
-	expectedFeeTreatment := feeTreatmentForMode(resolvedMode)
+	if !payecon.IsValidFeeTreatment(feeTreatment) {
-	if feeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
-		return resolvedMode, expectedFeeTreatment, nil
-	}
-
-	resolvedFeeTreatment := feeTreatmentFromProto(feeTreatment)
-	if resolvedFeeTreatment == QuoteFeeTreatmentUnspecified {
 		return QuoteSettlementModeUnspecified, QuoteFeeTreatmentUnspecified, merrors.InvalidArgument("intent.fee_treatment is invalid")
 	}
-	if resolvedFeeTreatment != expectedFeeTreatment {
+	resolvedModeProto, resolvedFeeProto, err := payecon.ResolveSettlementAndFee(mode, feeTreatment)
-		return QuoteSettlementModeUnspecified, QuoteFeeTreatmentUnspecified, merrors.InvalidArgument("intent.fee_treatment conflicts with settlement_mode")
+	if err != nil {
+		return QuoteSettlementModeUnspecified, QuoteFeeTreatmentUnspecified, err
 	}
-	return resolvedMode, resolvedFeeTreatment, nil
+	return settlementModeFromProto(resolvedModeProto), feeTreatmentFromProto(resolvedFeeProto), nil
 }
 
 func settlementModeFromProto(mode paymentv1.SettlementMode) QuoteSettlementMode {
@@ -225,14 +212,3 @@ func feeTreatmentFromProto(value quotationv2.FeeTreatment) QuoteFeeTreatment {
 		return QuoteFeeTreatmentUnspecified
 	}
 }
-
-func feeTreatmentForMode(mode QuoteSettlementMode) QuoteFeeTreatment {
-	switch mode {
-	case QuoteSettlementModeFixSource:
-		return QuoteFeeTreatmentAddToSource
-	case QuoteSettlementModeFixReceived:
-		return QuoteFeeTreatmentDeductFromDestination
-	default:
-		return QuoteFeeTreatmentUnspecified
-	}
-}

api/payments/quotation/internal/service/quotation/transfer_intent_hydrator/transfer_intent_hydrator_test.go

@@ -429,23 +429,91 @@ func TestHydrateMany_IndexesError(t *testing.T) {
 	}
 }
 
-func TestHydrateOne_RejectsConflictingEconomics(t *testing.T) {
+func TestHydrateOne_AcceptsIndependentEconomicsKnobs(t *testing.T) {
 	h := New(nil)
 	intent := &quotationv2.QuoteIntent{
-		Source:         endpointWithMethodRef(bson.NewObjectID().Hex()),
+		Source: &endpointv1.PaymentEndpoint{
-		Destination:    endpointWithMethodRef(bson.NewObjectID().Hex()),
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+					Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{WalletID: "mw-src"}),
+				},
+			},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD,
+					Data: mustMarshalBSON(t, pkgmodel.CardPaymentData{
+						Pan:      "4111111111111111",
+						ExpMonth: "12",
+						ExpYear:  "2030",
+					}),
+				},
+			},
+		},
 		Amount:         newMoney("1", "USD"),
-		SettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+		SettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
-		FeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		FeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
 	}
 
-	_, err := h.HydrateOne(context.Background(), HydrateOneInput{
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
 		OrganizationRef: bson.NewObjectID().Hex(),
 		InitiatorRef:    bson.NewObjectID().Hex(),
 		Intent:          intent,
 	})
-	if err == nil || !strings.Contains(err.Error(), "fee_treatment conflicts with settlement_mode") {
+	if err != nil {
-		t.Fatalf("expected settlement/fee conflict error, got %v", err)
+		t.Fatalf("expected independent economics knobs to be accepted, got %v", err)
+	}
+	if got.SettlementMode != QuoteSettlementModeFixReceived {
+		t.Fatalf("unexpected settlement mode: got=%s", got.SettlementMode)
+	}
+	if got.FeeTreatment != QuoteFeeTreatmentAddToSource {
+		t.Fatalf("unexpected fee treatment: got=%s", got.FeeTreatment)
+	}
+}
+
+func TestHydrateOne_DefaultsSettlementModeWhenOnlyFeeTreatmentProvided(t *testing.T) {
+	h := New(nil)
+	intent := &quotationv2.QuoteIntent{
+		Source: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+					Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{WalletID: "mw-src"}),
+				},
+			},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD,
+					Data: mustMarshalBSON(t, pkgmodel.CardPaymentData{
+						Pan:      "4111111111111111",
+						ExpMonth: "12",
+						ExpYear:  "2030",
+					}),
+				},
+			},
+		},
+		Amount:         newMoney("1", "USD"),
+		SettlementMode: paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+		FeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+	}
+
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: bson.NewObjectID().Hex(),
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if got.SettlementMode != QuoteSettlementModeFixSource {
+		t.Fatalf("unexpected default settlement mode: got=%s", got.SettlementMode)
+	}
+	if got.FeeTreatment != QuoteFeeTreatmentDeductFromDestination {
+		t.Fatalf("unexpected resolved fee treatment: got=%s", got.FeeTreatment)
 	}
 }
 

api/pkg/payments/economics/knobs.go

@@ -0,0 +1,101 @@
+package economics
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+const (
+	SettlementModeValueFixSource   = "fix_source"
+	SettlementModeValueFixReceived = "fix_received"
+
+	FeeTreatmentValueAddToSource           = "add_to_source"
+	FeeTreatmentValueDeductFromDestination = "deduct_from_destination"
+)
+
+func DefaultSettlementMode() paymentv1.SettlementMode {
+	return paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE
+}
+
+func DefaultFeeTreatment() quotationv2.FeeTreatment {
+	return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
+}
+
+func IsValidSettlementMode(mode paymentv1.SettlementMode) bool {
+	switch mode {
+	case paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+		paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+		paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED:
+		return true
+	default:
+		return false
+	}
+}
+
+func IsValidFeeTreatment(value quotationv2.FeeTreatment) bool {
+	switch value {
+	case quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED,
+		quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
+		return true
+	default:
+		return false
+	}
+}
+
+func ResolveSettlementAndFee(
+	mode paymentv1.SettlementMode,
+	feeTreatment quotationv2.FeeTreatment,
+) (paymentv1.SettlementMode, quotationv2.FeeTreatment, error) {
+	if !IsValidSettlementMode(mode) {
+		return paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED, quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED, merrors.InvalidArgument("settlement_mode is invalid")
+	}
+	if !IsValidFeeTreatment(feeTreatment) {
+		return paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED, quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED, merrors.InvalidArgument("fee_treatment is invalid")
+	}
+
+	resolvedMode := mode
+	if resolvedMode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED {
+		resolvedMode = DefaultSettlementMode()
+	}
+	resolvedFee := feeTreatment
+	if resolvedFee == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
+		resolvedFee = DefaultFeeTreatment()
+	}
+	return resolvedMode, resolvedFee, nil
+}
+
+func FeeTreatmentFromString(value string) (quotationv2.FeeTreatment, bool) {
+	switch strings.ToLower(strings.TrimSpace(value)) {
+	case "", "unspecified", "fee_treatment_unspecified":
+		return quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED, true
+	case FeeTreatmentValueAddToSource, "fee_treatment_add_to_source":
+		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE, true
+	case FeeTreatmentValueDeductFromDestination, "fee_treatment_deduct_from_destination":
+		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION, true
+	default:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED, false
+	}
+}
+
+func ResolveFeeTreatmentFromStringOrDefault(value string) quotationv2.FeeTreatment {
+	parsed, ok := FeeTreatmentFromString(value)
+	if !ok || parsed == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
+		return DefaultFeeTreatment()
+	}
+	return parsed
+}
+
+func FeeTreatmentValue(value quotationv2.FeeTreatment) string {
+	switch value {
+	case quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
+		return FeeTreatmentValueDeductFromDestination
+	case quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE:
+		return FeeTreatmentValueAddToSource
+	default:
+		return ""
+	}
+}

api/server/interface/api/srequest/payment_intent.go

@@ -56,9 +56,7 @@ func (p *PaymentIntent) Validate() error {
 	}
 
 	if strings.TrimSpace(p.SettlementCurrency) != "" {
-		if err := ValidateCurrency(p.SettlementCurrency, &AssetResolverStub{}); err != nil {
+		return merrors.InvalidArgument("settlement_currency must not be provided; it is derived from fx intent or amount currency", "intent.settlement_currency")
-			return err
-		}
 	}
 
 	return nil

api/server/interface/api/srequest/payment_intent_validate_test.go

@@ -0,0 +1,85 @@
+package srequest
+
+import (
+	"testing"
+
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+)
+
+func TestPaymentIntentValidate_RejectsSettlementCurrency(t *testing.T) {
+	intent := mustValidBaseIntent(t)
+	intent.SettlementCurrency = "RUB"
+
+	if err := intent.Validate(); err == nil {
+		t.Fatalf("expected validation error for settlement_currency")
+	}
+}
+
+func TestPaymentIntentValidate_RejectsFXWithoutPair(t *testing.T) {
+	intent := mustValidBaseIntent(t)
+	intent.FX = &FXIntent{
+		Side: FXSideSellBaseBuyQuote,
+	}
+
+	if err := intent.Validate(); err == nil {
+		t.Fatalf("expected validation error for missing fx pair")
+	}
+}
+
+func TestPaymentIntentValidate_RejectsInvalidFXSide(t *testing.T) {
+	intent := mustValidBaseIntent(t)
+	intent.FX = &FXIntent{
+		Pair: &CurrencyPair{
+			Base:  "USDT",
+			Quote: "RUB",
+		},
+		Side: FXSide("wrong"),
+	}
+
+	if err := intent.Validate(); err == nil {
+		t.Fatalf("expected validation error for invalid fx side")
+	}
+}
+
+func TestPaymentIntentValidate_AcceptsValidFX(t *testing.T) {
+	intent := mustValidBaseIntent(t)
+	intent.FX = &FXIntent{
+		Pair: &CurrencyPair{
+			Base:  "USDT",
+			Quote: "RUB",
+		},
+		Side: FXSideSellBaseBuyQuote,
+	}
+
+	if err := intent.Validate(); err != nil {
+		t.Fatalf("unexpected validation error: %v", err)
+	}
+}
+
+func mustValidBaseIntent(t *testing.T) *PaymentIntent {
+	t.Helper()
+
+	source, err := NewManagedWalletEndpointDTO(ManagedWalletEndpoint{ManagedWalletRef: "mw-src"}, nil)
+	if err != nil {
+		t.Fatalf("build source endpoint: %v", err)
+	}
+	destination, err := NewCardEndpointDTO(CardEndpoint{
+		Pan:       "2200700142860161",
+		FirstName: "Jane",
+		LastName:  "Doe",
+		ExpMonth:  2,
+		ExpYear:   2030,
+	}, nil)
+	if err != nil {
+		t.Fatalf("build destination endpoint: %v", err)
+	}
+
+	return &PaymentIntent{
+		Kind:           PaymentKindPayout,
+		Source:         &source,
+		Destination:    &destination,
+		Amount:         &paymenttypes.Money{Amount: "10", Currency: "USDT"},
+		SettlementMode: SettlementModeFixSource,
+		FeeTreatment:   FeeTreatmentAddToSource,
+	}
+}

api/server/interface/api/srequest/payment_value_objects.go

@@ -105,15 +105,17 @@ type FXIntent struct {
 }
 
 func (fx *FXIntent) Validate() error {
-	if fx.Pair != nil {
+	if fx.Pair == nil {
+		return merrors.InvalidArgument("fx pair is required", "intent.fx.pair")
+	}
 	if err := fx.Pair.Validate(); err != nil {
 		return err
 	}
-	}
 
-	var zeroSide FXSide
+	switch strings.TrimSpace(string(fx.Side)) {
-	if fx.Side == zeroSide {
+	case string(FXSideBuyBaseSellQuote), string(FXSideSellBaseBuyQuote):
-		return merrors.InvalidArgument("fx side is required", "intent.fx.side")
+	default:
+		return merrors.InvalidArgument("fx side is invalid", "intent.fx.side")
 	}
 
 	if fx.TTLms < 0 {

api/server/internal/server/paymentapiimp/mapper.go

@@ -6,6 +6,7 @@ import (
 
 	"github.com/tech/sendico/pkg/merrors"
 	pkgmodel "github.com/tech/sendico/pkg/model"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
@@ -32,9 +33,16 @@ func mapQuoteIntent(intent *srequest.PaymentIntent) (*quotationv2.QuoteIntent, e
 	if err != nil {
 		return nil, err
 	}
-	settlementCurrency := strings.TrimSpace(intent.SettlementCurrency)
+	resolvedSettlementMode, resolvedFeeTreatment, err := payecon.ResolveSettlementAndFee(settlementMode, feeTreatment)
+	if err != nil {
+		return nil, err
+	}
+	if strings.TrimSpace(intent.SettlementCurrency) != "" {
+		return nil, merrors.InvalidArgument("settlement_currency must not be provided; it is derived from fx intent or amount currency")
+	}
+	settlementCurrency := resolveSettlementCurrency(intent)
 	if settlementCurrency == "" {
-		settlementCurrency = resolveSettlementCurrency(intent)
+		return nil, merrors.InvalidArgument("unable to derive settlement currency from intent")
 	}
 
 	source, err := mapQuoteEndpoint(intent.Source, "intent.source")
@@ -50,8 +58,8 @@ func mapQuoteIntent(intent *srequest.PaymentIntent) (*quotationv2.QuoteIntent, e
 		Source:             source,
 		Destination:        destination,
 		Amount:             mapMoney(intent.Amount),
-		SettlementMode:     settlementMode,
+		SettlementMode:     resolvedSettlementMode,
-		FeeTreatment:       feeTreatment,
+		FeeTreatment:       resolvedFeeTreatment,
 		SettlementCurrency: settlementCurrency,
 	}
 	if comment := strings.TrimSpace(intent.Attributes["comment"]); comment != "" {

api/server/internal/server/paymentapiimp/mapper_fee_treatment_test.go

@@ -4,6 +4,7 @@ import (
 	"testing"
 
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 	"github.com/tech/sendico/server/interface/api/srequest"
 )
@@ -80,3 +81,121 @@ func TestMapQuoteIntent_InvalidFeeTreatmentFails(t *testing.T) {
 		t.Fatalf("expected error for invalid fee treatment")
 	}
 }
+
+func TestMapQuoteIntent_AcceptsIndependentSettlementAndFeeTreatment(t *testing.T) {
+	source, err := srequest.NewManagedWalletEndpointDTO(srequest.ManagedWalletEndpoint{
+		ManagedWalletRef: "wallet-source-1",
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build source endpoint: %v", err)
+	}
+
+	destination, err := srequest.NewCardEndpointDTO(srequest.CardEndpoint{
+		Pan:       "2200700142860161",
+		FirstName: "John",
+		LastName:  "Doe",
+		ExpMonth:  3,
+		ExpYear:   2030,
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build destination endpoint: %v", err)
+	}
+
+	intent := &srequest.PaymentIntent{
+		Kind:           srequest.PaymentKindPayout,
+		Source:         &source,
+		Destination:    &destination,
+		Amount:         &paymenttypes.Money{Amount: "10", Currency: "USDT"},
+		SettlementMode: srequest.SettlementModeFixReceived,
+		FeeTreatment:   srequest.FeeTreatmentAddToSource,
+	}
+
+	got, err := mapQuoteIntent(intent)
+	if err != nil {
+		t.Fatalf("mapQuoteIntent returned error: %v", err)
+	}
+	if got.GetSettlementMode() != paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED {
+		t.Fatalf("unexpected settlement mode: got=%s", got.GetSettlementMode().String())
+	}
+	if got.GetFeeTreatment() != quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE {
+		t.Fatalf("unexpected fee treatment: got=%s", got.GetFeeTreatment().String())
+	}
+}
+
+func TestMapQuoteIntent_RejectsExplicitSettlementCurrency(t *testing.T) {
+	source, err := srequest.NewManagedWalletEndpointDTO(srequest.ManagedWalletEndpoint{
+		ManagedWalletRef: "wallet-source-1",
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build source endpoint: %v", err)
+	}
+
+	destination, err := srequest.NewCardEndpointDTO(srequest.CardEndpoint{
+		Pan:       "2200700142860161",
+		FirstName: "John",
+		LastName:  "Doe",
+		ExpMonth:  3,
+		ExpYear:   2030,
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build destination endpoint: %v", err)
+	}
+
+	intent := &srequest.PaymentIntent{
+		Kind:               srequest.PaymentKindPayout,
+		Source:             &source,
+		Destination:        &destination,
+		Amount:             &paymenttypes.Money{Amount: "10", Currency: "USDT"},
+		SettlementMode:     srequest.SettlementModeFixSource,
+		FeeTreatment:       srequest.FeeTreatmentAddToSource,
+		SettlementCurrency: "RUB",
+	}
+
+	if _, err := mapQuoteIntent(intent); err == nil {
+		t.Fatalf("expected error for explicit settlement_currency")
+	}
+}
+
+func TestMapQuoteIntent_DerivesSettlementCurrencyFromFX(t *testing.T) {
+	source, err := srequest.NewManagedWalletEndpointDTO(srequest.ManagedWalletEndpoint{
+		ManagedWalletRef: "wallet-source-1",
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build source endpoint: %v", err)
+	}
+
+	destination, err := srequest.NewCardEndpointDTO(srequest.CardEndpoint{
+		Pan:       "2200700142860161",
+		FirstName: "John",
+		LastName:  "Doe",
+		ExpMonth:  3,
+		ExpYear:   2030,
+	}, nil)
+	if err != nil {
+		t.Fatalf("failed to build destination endpoint: %v", err)
+	}
+
+	intent := &srequest.PaymentIntent{
+		Kind:           srequest.PaymentKindPayout,
+		Source:         &source,
+		Destination:    &destination,
+		Amount:         &paymenttypes.Money{Amount: "10", Currency: "USDT"},
+		SettlementMode: srequest.SettlementModeFixSource,
+		FeeTreatment:   srequest.FeeTreatmentAddToSource,
+		FX: &srequest.FXIntent{
+			Pair: &srequest.CurrencyPair{
+				Base:  "USDT",
+				Quote: "RUB",
+			},
+			Side: srequest.FXSideSellBaseBuyQuote,
+		},
+	}
+
+	got, err := mapQuoteIntent(intent)
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if got.GetSettlementCurrency() != "RUB" {
+		t.Fatalf("unexpected settlement currency: got=%q", got.GetSettlementCurrency())
+	}
+}

frontend/pshared/lib/data/dto/payment/intent/payment.dart

@@ -7,7 +7,6 @@ import 'package:pshared/data/dto/money.dart';
 
 part 'payment.g.dart';
 
-
 @JsonSerializable()
 class PaymentIntentDTO {
   final String? kind;
@@ -20,9 +19,6 @@ class PaymentIntentDTO {
   @JsonKey(name: 'settlement_mode')
   final String? settlementMode;
 
-  @JsonKey(name: 'settlement_currency')
-  final String? settlementCurrency;
-
   @JsonKey(name: "fee_treatment")
   final String? feeTreatment;
 
@@ -36,12 +32,12 @@ class PaymentIntentDTO {
     this.amount,
     this.fx,
     this.settlementMode,
-    this.settlementCurrency,
     this.attributes,
     this.customer,
     this.feeTreatment,
   });
 
-  factory PaymentIntentDTO.fromJson(Map<String, dynamic> json) => _$PaymentIntentDTOFromJson(json);
+  factory PaymentIntentDTO.fromJson(Map<String, dynamic> json) =>
+      _$PaymentIntentDTOFromJson(json);
   Map<String, dynamic> toJson() => _$PaymentIntentDTOToJson(this);
 }

frontend/pshared/lib/data/mapper/payment/intent/payment.dart

@@ -7,7 +7,6 @@ import 'package:pshared/data/mapper/payment/intent/fx.dart';
 import 'package:pshared/data/mapper/money.dart';
 import 'package:pshared/models/payment/intent.dart';
 
-
 extension PaymentIntentMapper on PaymentIntent {
   PaymentIntentDTO toDTO() => PaymentIntentDTO(
     kind: paymentKindToValue(kind),
@@ -16,7 +15,6 @@ extension PaymentIntentMapper on PaymentIntent {
     amount: amount?.toDTO(),
     fx: fx?.toDTO(),
     settlementMode: settlementModeToValue(settlementMode),
-    settlementCurrency: settlementCurrency,
     attributes: attributes,
     customer: customer?.toDTO(),
     feeTreatment: feeTreatmentToValue(feeTreatment),
@@ -31,7 +29,6 @@ extension PaymentIntentDTOMapper on PaymentIntentDTO {
     amount: amount?.toDomain(),
     fx: fx?.toDomain(),
     settlementMode: settlementModeFromValue(settlementMode),
-    settlementCurrency: settlementCurrency,
     attributes: attributes,
     customer: customer?.toDomain(),
     feeTreatment: feeTreatmentFromValue(feeTreatment),

frontend/pshared/lib/models/payment/intent.dart

@@ -6,7 +6,6 @@ import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/money.dart';
 import 'package:pshared/models/payment/settlement_mode.dart';
 
-
 class PaymentIntent {
   final PaymentKind kind;
   final PaymentMethodData? source;
@@ -15,7 +14,6 @@ class PaymentIntent {
   final FxIntent? fx;
   final FeeTreatment feeTreatment;
   final SettlementMode settlementMode;
-  final String? settlementCurrency;
   final Map<String, String>? attributes;
   final Customer? customer;
 
@@ -26,7 +24,6 @@ class PaymentIntent {
     this.amount,
     this.fx,
     this.settlementMode = SettlementMode.unspecified,
-    this.settlementCurrency,
     this.attributes,
     this.customer,
     required this.feeTreatment,

frontend/pshared/lib/provider/payment/quotation/intent_builder.dart

@@ -21,7 +21,6 @@ import 'package:pshared/provider/recipient/provider.dart';
 import 'package:pshared/utils/currency.dart';
 import 'package:pshared/utils/payment/fx_helpers.dart';
 
-
 class QuotationIntentBuilder {
   PaymentIntent? build({
     required PaymentAmountProvider payment,
@@ -45,8 +44,10 @@ class QuotationIntentBuilder {
       // TODO: adapt to possible other sources
       currency: sourceCurrency,
     );
-    final isCryptoToCrypto = paymentData is CryptoAddressPaymentMethod &&
+    final isCryptoToCrypto =
-        (paymentData.asset?.tokenSymbol ?? '').trim().toUpperCase() == amount.currency;
+        paymentData is CryptoAddressPaymentMethod &&
+        (paymentData.asset?.tokenSymbol ?? '').trim().toUpperCase() ==
+            amount.currency;
     final fxIntent = FxIntentHelper.buildSellBaseBuyQuote(
       baseCurrency: sourceCurrency,
       quoteCurrency: 'RUB', // TODO: exentd target currencies
@@ -61,15 +62,13 @@ class QuotationIntentBuilder {
         asset: PaymentAsset(
           tokenSymbol: selectedWallet.tokenSymbol ?? '',
           chain: selectedWallet.network ?? ChainNetwork.unspecified,
-        ) 
+        ),
       ),
       fx: fxIntent,
-      feeTreatment: payment.payerCoversFee ? FeeTreatment.addToSource : FeeTreatment.deductFromDestination,
+      feeTreatment: payment.payerCoversFee
+          ? FeeTreatment.addToSource
+          : FeeTreatment.deductFromDestination,
       settlementMode: SettlementMode.fixSource,
-      settlementCurrency: FxIntentHelper.resolveSettlementCurrency(
-        amount: amount,
-        fx: fxIntent,
-      ),
       customer: customer,
     );
   }
@@ -92,8 +91,9 @@ class QuotationIntentBuilder {
         : name.trim().split(RegExp(r'\s+'));
     final firstName = parts.isNotEmpty ? parts.first : null;
     final lastName = parts.length >= 2 ? parts.last : null;
-    final middleName =
+    final middleName = parts.length > 2
-        parts.length > 2 ? parts.sublist(1, parts.length - 1).join(' ') : null;
+        ? parts.sublist(1, parts.length - 1).join(' ')
+        : null;
 
     return Customer(
       id: id,
@@ -120,7 +120,9 @@ class QuotationIntentBuilder {
       return iban.accountHolder.trim();
     }
 
-    final bank = method?.bankAccountData ?? (data is RussianBankAccountPaymentMethod ? data : null);
+    final bank =
+        method?.bankAccountData ??
+        (data is RussianBankAccountPaymentMethod ? data : null);
     if (bank != null && bank.recipientName.trim().isNotEmpty) {
       return bank.recipientName.trim();
     }

frontend/pshared/test/payment/request_dto_format_test.dart

@@ -54,7 +54,6 @@ void main() {
           ),
           amount: MoneyDTO(amount: '10', currency: 'USD'),
           settlementMode: 'fix_received',
-          settlementCurrency: 'USD',
         ),
       );
 
@@ -68,7 +67,7 @@ void main() {
       final intent = json['intent'] as Map<String, dynamic>;
       expect(intent['kind'], equals('payout'));
       expect(intent['settlement_mode'], equals('fix_received'));
-      expect(intent['settlement_currency'], equals('USD'));
+      expect(intent.containsKey('settlement_currency'), isFalse);
 
       final source = intent['source'] as Map<String, dynamic>;
       final destination = intent['destination'] as Map<String, dynamic>;

frontend/pweb/lib/utils/payment/multiple_intent_builder.dart

@@ -13,7 +13,6 @@ import 'package:pshared/utils/payment/fx_helpers.dart';
 
 import 'package:pweb/models/payment/multiple_payouts/csv_row.dart';
 
-
 class MultipleIntentBuilder {
   static const String _currency = 'RUB';
 
@@ -36,8 +35,7 @@ class MultipleIntentBuilder {
     );
 
     return rows
-        .map(
+        .map((row) {
-          (row) {
           final amount = Money(amount: row.amount, currency: _currency);
           return PaymentIntent(
             kind: PaymentKind.payout,
@@ -55,14 +53,9 @@ class MultipleIntentBuilder {
             amount: amount,
             feeTreatment: FeeTreatment.addToSource,
             settlementMode: SettlementMode.fixReceived,
-              settlementCurrency: FxIntentHelper.resolveSettlementCurrency(
-                amount: amount,
-                fx: fxIntent,
-              ),
             fx: fxIntent,
           );
-          },
+        })
-        )
         .toList(growable: false);
   }
 }