outbox for gateways

api/payments/quotation/go.mod

@@ -63,5 +63,5 @@ require (
 	golang.org/x/sync v0.19.0 // indirect
 	golang.org/x/sys v0.41.0 // indirect
 	golang.org/x/text v0.34.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20260209200024-4cfbd4190f57 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260217215200-42d3e9bedb6d // indirect
 )

api/payments/quotation/go.sum

@@ -211,8 +211,8 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20260209200024-4cfbd4190f57 h1:mWPCjDEyshlQYzBpMNHaEof6UX1PmHcaUODUywQ0uac=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20260209200024-4cfbd4190f57/go.mod h1:j9x/tPzZkyxcgEFkiKEEGxfvyumM01BEtsW8xzOahRQ=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20260217215200-42d3e9bedb6d h1:t/LOSXPJ9R0B6fnZNyALBRfZBH0Uy0gT+uR+SJ6syqQ=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20260217215200-42d3e9bedb6d/go.mod h1:4Hqkh8ycfw05ld/3BWL7rJOSfebL2Q+DVDeRgYgxUU8=
 google.golang.org/grpc v1.79.1 h1:zGhSi45ODB9/p3VAawt9a+O/MULLl9dpizzNNpq7flY=
 google.golang.org/grpc v1.79.1/go.mod h1:KmT0Kjez+0dde/v2j9vzwoAScgEPx/Bw1CYChhHLrHQ=
 google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=

api/payments/quotation/internal/service/plan/plan_builder_default.go

@@ -46,7 +46,7 @@ func (b *defaultBuilder) Build(ctx context.Context, payment *model.Payment, quot
 			logger.Warn("Failed to build fx conversion plan", zap.Error(err))
 			return nil, err
 		}
-		logger.Info("fx conversion plan built", zap.Int("steps", len(plan.Steps)))
+		logger.Info("Fx conversion plan built", zap.Int("steps", len(plan.Steps)))
 		return plan, nil
 	}
 

api/payments/quotation/internal/service/plan/plan_builder_steps.go

@@ -4,7 +4,7 @@ import (
 	"context"
 	"strings"
 
-	"github.com/tech/sendico/payments/quotation/internal/service/shared"
+	"github.com/tech/sendico/payments/quotation/internal/shared"
 	"github.com/tech/sendico/payments/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mutil/mzap"
@@ -105,7 +105,7 @@ func (b *defaultBuilder) buildPlanFromTemplate(ctx context.Context, payment *mod
 
 		action, err := actionForOperation(tpl.Operation)
 		if err != nil {
-			b.logger.Warn("plan builder: unsupported operation in plan template step", zap.String("step_id", stepID), zap.String("operation", tpl.Operation), zap.Error(err))
+			b.logger.Warn("Plan builder: unsupported operation in plan template step", zap.String("step_id", stepID), zap.String("operation", tpl.Operation), zap.Error(err))
 			return nil, err
 		}
 

api/payments/quotation/internal/service/quotation/batch_quote_processor_v2/idempotency.go

@@ -0,0 +1,20 @@
+package batch_quote_processor_v2
+
+import (
+	"fmt"
+	"strings"
+)
+
+func deriveItemIdempotencyKey(base string, previewOnly bool, index int, total int) string {
+	if previewOnly {
+		return ""
+	}
+	base = strings.TrimSpace(base)
+	if base == "" {
+		return ""
+	}
+	if total <= 1 {
+		return base
+	}
+	return fmt.Sprintf("%s:%d", base, index+1)
+}

api/payments/quotation/internal/service/quotation/batch_quote_processor_v2/input.go

@@ -0,0 +1,53 @@
+package batch_quote_processor_v2
+
+import (
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+// BatchContext carries normalized request-level parameters for batch processing.
+type BatchContext struct {
+	OrganizationRef    string
+	OrganizationID     bson.ObjectID
+	InitiatorRef       string
+	PreviewOnly        bool
+	BaseIdempotencyKey string
+}
+
+// ProcessInput is the input contract for batch quote processing.
+type ProcessInput struct {
+	Context BatchContext
+	Intents []*transfer_intent_hydrator.QuoteIntent
+}
+
+// BatchItem is one derived processing unit for a single intent.
+type BatchItem struct {
+	Index          int
+	Count          int
+	IdempotencyKey string
+	Intent         *transfer_intent_hydrator.QuoteIntent
+}
+
+// SingleProcessInput is forwarded to the single-intent processor.
+type SingleProcessInput struct {
+	Context BatchContext
+	Item    BatchItem
+}
+
+// SingleProcessOutput is returned by the single-intent processor.
+type SingleProcessOutput struct {
+	Quote *quotationv2.PaymentQuote
+}
+
+// BatchItemResult is one successful item output.
+type BatchItemResult struct {
+	Item  BatchItem
+	Quote *quotationv2.PaymentQuote
+}
+
+// ProcessOutput is an ordered list of item outputs.
+type ProcessOutput struct {
+	Context BatchContext
+	Items   []*BatchItemResult
+}

api/payments/quotation/internal/service/quotation/batch_quote_processor_v2/service.go

@@ -0,0 +1,111 @@
+package batch_quote_processor_v2
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+// SingleIntentProcessor processes one intent in v2 flow.
+type SingleIntentProcessor interface {
+	Process(ctx context.Context, in SingleProcessInput) (*SingleProcessOutput, error)
+}
+
+// BatchQuoteProcessorV2 iterates single-intent processing for batch requests.
+type BatchQuoteProcessorV2 struct {
+	single SingleIntentProcessor
+}
+
+func New(single SingleIntentProcessor) *BatchQuoteProcessorV2 {
+	return &BatchQuoteProcessorV2{single: single}
+}
+
+func (p *BatchQuoteProcessorV2) Process(ctx context.Context, in ProcessInput) (*ProcessOutput, error) {
+	if p == nil || p.single == nil {
+		return nil, merrors.InvalidArgument("single processor is required")
+	}
+
+	normalizedCtx, err := normalizeContext(in.Context)
+	if err != nil {
+		return nil, err
+	}
+	if len(in.Intents) == 0 {
+		return nil, merrors.InvalidArgument("intents are required")
+	}
+
+	items, err := buildBatchItems(normalizedCtx, in.Intents)
+	if err != nil {
+		return nil, err
+	}
+
+	results := make([]*BatchItemResult, 0, len(items))
+	for _, item := range items {
+		res, processErr := p.single.Process(ctx, SingleProcessInput{
+			Context: normalizedCtx,
+			Item:    *item,
+		})
+		if processErr != nil {
+			return nil, fmt.Errorf("intents[%d]: %w", item.Index, processErr)
+		}
+		if res == nil || res.Quote == nil {
+			return nil, merrors.InvalidArgument(fmt.Sprintf("intents[%d]: quote is required", item.Index))
+		}
+
+		results = append(results, &BatchItemResult{
+			Item:  *item,
+			Quote: res.Quote,
+		})
+	}
+
+	return &ProcessOutput{
+		Context: normalizedCtx,
+		Items:   results,
+	}, nil
+}
+
+func normalizeContext(ctx BatchContext) (BatchContext, error) {
+	ctx.OrganizationRef = strings.TrimSpace(ctx.OrganizationRef)
+	ctx.InitiatorRef = strings.TrimSpace(ctx.InitiatorRef)
+	ctx.BaseIdempotencyKey = strings.TrimSpace(ctx.BaseIdempotencyKey)
+
+	if ctx.OrganizationRef == "" {
+		return BatchContext{}, merrors.InvalidArgument("organization_ref is required")
+	}
+	if ctx.OrganizationID.IsZero() {
+		return BatchContext{}, merrors.InvalidArgument("organization_id is required")
+	}
+	if ctx.InitiatorRef == "" {
+		return BatchContext{}, merrors.InvalidArgument("initiator_ref is required")
+	}
+	if ctx.PreviewOnly && ctx.BaseIdempotencyKey != "" {
+		return BatchContext{}, merrors.InvalidArgument("preview requests must not use idempotency key")
+	}
+	if !ctx.PreviewOnly && ctx.BaseIdempotencyKey == "" {
+		return BatchContext{}, merrors.InvalidArgument("idempotency key is required")
+	}
+
+	return ctx, nil
+}
+
+func buildBatchItems(ctx BatchContext, intents []*transfer_intent_hydrator.QuoteIntent) ([]*BatchItem, error) {
+	items := make([]*BatchItem, 0, len(intents))
+	total := len(intents)
+
+	for i, intent := range intents {
+		if intent == nil {
+			return nil, merrors.InvalidArgument(fmt.Sprintf("intents[%d] is required", i))
+		}
+
+		items = append(items, &BatchItem{
+			Index:          i,
+			Count:          total,
+			Intent:         intent,
+			IdempotencyKey: deriveItemIdempotencyKey(ctx.BaseIdempotencyKey, ctx.PreviewOnly, i, total),
+		})
+	}
+
+	return items, nil
+}

api/payments/quotation/internal/service/quotation/batch_quote_processor_v2/service_test.go

@@ -0,0 +1,201 @@
+package batch_quote_processor_v2
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"testing"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func TestProcess_DerivesPerItemIdempotency(t *testing.T) {
+	processor := &fakeSingleProcessor{}
+	svc := New(processor)
+	orgID := bson.NewObjectID()
+
+	out, err := svc.Process(context.Background(), ProcessInput{
+		Context: BatchContext{
+			OrganizationRef:    orgID.Hex(),
+			OrganizationID:     orgID,
+			InitiatorRef:       "initiator-1",
+			PreviewOnly:        false,
+			BaseIdempotencyKey: "idem-batch",
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{
+			{Ref: "i1"},
+			{Ref: "i2"},
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if out == nil || len(out.Items) != 2 {
+		t.Fatalf("expected two items")
+	}
+
+	if got, want := processor.calls[0].Item.IdempotencyKey, "idem-batch:1"; got != want {
+		t.Fatalf("unexpected first item key: got=%q want=%q", got, want)
+	}
+	if got, want := processor.calls[1].Item.IdempotencyKey, "idem-batch:2"; got != want {
+		t.Fatalf("unexpected second item key: got=%q want=%q", got, want)
+	}
+	if out.Items[0].Item.Index != 0 || out.Items[1].Item.Index != 1 {
+		t.Fatalf("expected stable ordered indices")
+	}
+}
+
+func TestProcess_SingleIntentKeepsBaseIdempotency(t *testing.T) {
+	processor := &fakeSingleProcessor{}
+	svc := New(processor)
+	orgID := bson.NewObjectID()
+
+	_, err := svc.Process(context.Background(), ProcessInput{
+		Context: BatchContext{
+			OrganizationRef:    orgID.Hex(),
+			OrganizationID:     orgID,
+			InitiatorRef:       "initiator-1",
+			PreviewOnly:        false,
+			BaseIdempotencyKey: "idem-single",
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{
+			{Ref: "i1"},
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if got, want := processor.calls[0].Item.IdempotencyKey, "idem-single"; got != want {
+		t.Fatalf("unexpected idempotency key: got=%q want=%q", got, want)
+	}
+}
+
+func TestProcess_PreviewUsesEmptyPerItemIdempotency(t *testing.T) {
+	processor := &fakeSingleProcessor{}
+	svc := New(processor)
+	orgID := bson.NewObjectID()
+
+	_, err := svc.Process(context.Background(), ProcessInput{
+		Context: BatchContext{
+			OrganizationRef: orgID.Hex(),
+			OrganizationID:  orgID,
+			InitiatorRef:    "initiator-1",
+			PreviewOnly:     true,
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{{Ref: "i1"}, {Ref: "i2"}},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if processor.calls[0].Item.IdempotencyKey != "" || processor.calls[1].Item.IdempotencyKey != "" {
+		t.Fatalf("expected empty idempotency keys for preview")
+	}
+}
+
+func TestProcess_WrapsItemError(t *testing.T) {
+	processor := &fakeSingleProcessor{
+		errAtIndex: 1,
+		err:        errors.New("boom"),
+	}
+	svc := New(processor)
+	orgID := bson.NewObjectID()
+
+	_, err := svc.Process(context.Background(), ProcessInput{
+		Context: BatchContext{
+			OrganizationRef:    orgID.Hex(),
+			OrganizationID:     orgID,
+			InitiatorRef:       "initiator-1",
+			PreviewOnly:        false,
+			BaseIdempotencyKey: "idem",
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{{Ref: "i1"}, {Ref: "i2"}},
+	})
+	if err == nil {
+		t.Fatalf("expected wrapped error")
+	}
+	if !strings.Contains(err.Error(), "intents[1]") {
+		t.Fatalf("expected indexed error, got %v", err)
+	}
+}
+
+func TestProcess_Validation(t *testing.T) {
+	orgID := bson.NewObjectID()
+	baseInput := ProcessInput{
+		Context: BatchContext{
+			OrganizationRef:    orgID.Hex(),
+			OrganizationID:     orgID,
+			InitiatorRef:       "initiator-1",
+			PreviewOnly:        false,
+			BaseIdempotencyKey: "idem",
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{{Ref: "i1"}},
+	}
+
+	_, err := New(nil).Process(context.Background(), baseInput)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for nil single processor, got %v", err)
+	}
+
+	previewWithIdem := baseInput
+	previewWithIdem.Context.PreviewOnly = true
+	_, err = New(&fakeSingleProcessor{}).Process(context.Background(), previewWithIdem)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for preview idempotency, got %v", err)
+	}
+
+	nonPreviewNoIdem := baseInput
+	nonPreviewNoIdem.Context.BaseIdempotencyKey = ""
+	_, err = New(&fakeSingleProcessor{}).Process(context.Background(), nonPreviewNoIdem)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for missing idempotency, got %v", err)
+	}
+
+	withNilIntent := baseInput
+	withNilIntent.Intents = []*transfer_intent_hydrator.QuoteIntent{nil}
+	_, err = New(&fakeSingleProcessor{}).Process(context.Background(), withNilIntent)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for nil intent, got %v", err)
+	}
+}
+
+func TestProcess_RejectsNilQuoteOutput(t *testing.T) {
+	svc := New(&fakeSingleProcessor{returnNilQuote: true})
+	orgID := bson.NewObjectID()
+
+	_, err := svc.Process(context.Background(), ProcessInput{
+		Context: BatchContext{
+			OrganizationRef:    orgID.Hex(),
+			OrganizationID:     orgID,
+			InitiatorRef:       "initiator-1",
+			PreviewOnly:        false,
+			BaseIdempotencyKey: "idem",
+		},
+		Intents: []*transfer_intent_hydrator.QuoteIntent{{Ref: "i1"}},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for nil quote output, got %v", err)
+	}
+}
+
+type fakeSingleProcessor struct {
+	calls          []SingleProcessInput
+	errAtIndex     int
+	err            error
+	returnNilQuote bool
+}
+
+func (f *fakeSingleProcessor) Process(_ context.Context, in SingleProcessInput) (*SingleProcessOutput, error) {
+	f.calls = append(f.calls, in)
+	if f.err != nil && in.Item.Index == f.errAtIndex {
+		return nil, f.err
+	}
+	if f.returnNilQuote {
+		return &SingleProcessOutput{}, nil
+	}
+	return &SingleProcessOutput{
+		Quote: &quotationv2.PaymentQuote{QuoteRef: in.Item.Intent.Ref},
+	}, nil
+}

api/payments/quotation/internal/service/quotation/gateway_funding_profile/funding_gate_builder.go

@@ -0,0 +1,181 @@
+package gateway_funding_profile
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/shared"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func BuildFundingGateFromProfile(
+	profile *GatewayFundingProfile,
+	requiredAmount *moneyv1.Money,
+) (*QuoteFundingGate, error) {
+	if profile == nil {
+		return nil, nil
+	}
+
+	mode := shared.NormalizeFundingMode(profile.Mode)
+	gate := &QuoteFundingGate{
+		Mode:           mode,
+		RequiredAmount: cloneProtoMoney(requiredAmount),
+		Funding:        clonePaymentEndpoint(profile.FundingDestination),
+		Fee:            clonePaymentEndpoint(profile.FeeDestination),
+		Reserve:        cloneReservePolicy(profile.Reserve),
+		DepositCheck:   cloneDepositCheck(profile.DepositCheck),
+	}
+
+	switch mode {
+	case model.FundingModeNone:
+		return gate, nil
+
+	case model.FundingModeBalanceReserve:
+		if gate.Reserve == nil {
+			return nil, merrors.InvalidArgument("funding profile: reserve policy is required for balance_reserve")
+		}
+		hasBlock := strings.TrimSpace(gate.Reserve.BlockAccountRef) != ""
+		hasRoles := gate.Reserve.FromRole != nil && gate.Reserve.ToRole != nil
+		if !hasBlock && !hasRoles {
+			return nil, merrors.InvalidArgument("funding profile: block account or reserve roles are required for balance_reserve")
+		}
+		if gate.RequiredAmount == nil {
+			return nil, merrors.InvalidArgument("funding profile: required amount is required for balance_reserve")
+		}
+		return gate, nil
+
+	case model.FundingModeDepositObserved:
+		if gate.DepositCheck == nil {
+			return nil, merrors.InvalidArgument("funding profile: deposit check policy is required for deposit_observed")
+		}
+		if strings.TrimSpace(gate.DepositCheck.WalletRef) == "" {
+			return nil, merrors.InvalidArgument("funding profile: deposit wallet_ref is required for deposit_observed")
+		}
+		if gate.DepositCheck.ExpectedAmount == nil {
+			gate.DepositCheck.ExpectedAmount = cloneProtoMoney(requiredAmount)
+		}
+		if gate.DepositCheck.ExpectedAmount == nil {
+			return nil, merrors.InvalidArgument("funding profile: deposit expected_amount is required for deposit_observed")
+		}
+		return gate, nil
+
+	default:
+		return nil, merrors.InvalidArgument("funding profile: mode is required")
+	}
+}
+
+func cloneProtoMoney(src *moneyv1.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.TrimSpace(src.GetCurrency()),
+	}
+}
+
+func clonePaymentEndpoint(src *model.PaymentEndpoint) *model.PaymentEndpoint {
+	if src == nil {
+		return nil
+	}
+	result := &model.PaymentEndpoint{
+		Type:       src.Type,
+		InstanceID: strings.TrimSpace(src.InstanceID),
+	}
+	if src.Ledger != nil {
+		result.Ledger = &model.LedgerEndpoint{
+			LedgerAccountRef:       strings.TrimSpace(src.Ledger.LedgerAccountRef),
+			ContraLedgerAccountRef: strings.TrimSpace(src.Ledger.ContraLedgerAccountRef),
+		}
+	}
+	if src.ManagedWallet != nil {
+		result.ManagedWallet = &model.ManagedWalletEndpoint{
+			ManagedWalletRef: strings.TrimSpace(src.ManagedWallet.ManagedWalletRef),
+			Asset:            cloneAsset(src.ManagedWallet.Asset),
+		}
+	}
+	if src.ExternalChain != nil {
+		result.ExternalChain = &model.ExternalChainEndpoint{
+			Asset:   cloneAsset(src.ExternalChain.Asset),
+			Address: strings.TrimSpace(src.ExternalChain.Address),
+			Memo:    strings.TrimSpace(src.ExternalChain.Memo),
+		}
+	}
+	if src.Card != nil {
+		result.Card = &model.CardEndpoint{
+			Pan:               strings.TrimSpace(src.Card.Pan),
+			Token:             strings.TrimSpace(src.Card.Token),
+			Cardholder:        strings.TrimSpace(src.Card.Cardholder),
+			CardholderSurname: strings.TrimSpace(src.Card.CardholderSurname),
+			ExpMonth:          src.Card.ExpMonth,
+			ExpYear:           src.Card.ExpYear,
+			Country:           strings.TrimSpace(src.Card.Country),
+			MaskedPan:         strings.TrimSpace(src.Card.MaskedPan),
+		}
+	}
+	return result
+}
+
+func cloneAsset(src *paymenttypes.Asset) *paymenttypes.Asset {
+	if src == nil {
+		return nil
+	}
+	return &paymenttypes.Asset{
+		Chain:           strings.TrimSpace(src.Chain),
+		TokenSymbol:     strings.TrimSpace(src.TokenSymbol),
+		ContractAddress: strings.TrimSpace(src.ContractAddress),
+	}
+}
+
+func cloneStringMap(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	out := make(map[string]string, len(src))
+	for k, v := range src {
+		kk := strings.TrimSpace(k)
+		if kk == "" {
+			continue
+		}
+		out[kk] = strings.TrimSpace(v)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}
+
+func cloneReservePolicy(src *ReservePolicy) *ReservePolicy {
+	if src == nil {
+		return nil
+	}
+	result := &ReservePolicy{
+		DebitAccountRef: strings.TrimSpace(src.DebitAccountRef),
+		BlockAccountRef: strings.TrimSpace(src.BlockAccountRef),
+		ReleaseOnFail:   src.ReleaseOnFail,
+		ReleaseOnCancel: src.ReleaseOnCancel,
+	}
+	if src.FromRole != nil {
+		role := *src.FromRole
+		result.FromRole = &role
+	}
+	if src.ToRole != nil {
+		role := *src.ToRole
+		result.ToRole = &role
+	}
+	return result
+}
+
+func cloneDepositCheck(src *model.DepositCheckPolicy) *model.DepositCheckPolicy {
+	if src == nil {
+		return nil
+	}
+	return &model.DepositCheckPolicy{
+		WalletRef:        strings.TrimSpace(src.WalletRef),
+		ExpectedAmount:   cloneProtoMoney(src.ExpectedAmount),
+		MinConfirmations: src.MinConfirmations,
+		TimeoutSeconds:   src.TimeoutSeconds,
+	}
+}

api/payments/quotation/internal/service/quotation/gateway_funding_profile/funding_gate_builder_test.go

@@ -0,0 +1,127 @@
+package gateway_funding_profile
+
+import (
+	"errors"
+	"testing"
+
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/model/account_role"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func TestBuildFundingGateFromProfile_NilProfile(t *testing.T) {
+	gate, err := BuildFundingGateFromProfile(nil, &moneyv1.Money{
+		Amount:   "100",
+		Currency: "USD",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if gate != nil {
+		t.Fatalf("expected nil gate")
+	}
+}
+
+func TestBuildFundingGateFromProfile_None(t *testing.T) {
+	gate, err := BuildFundingGateFromProfile(&GatewayFundingProfile{
+		Mode: model.FundingModeNone,
+	}, &moneyv1.Money{
+		Amount:   "100",
+		Currency: "USD",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if gate == nil {
+		t.Fatalf("expected gate")
+	}
+	if gate.Mode != model.FundingModeNone {
+		t.Fatalf("expected mode %q, got %q", model.FundingModeNone, gate.Mode)
+	}
+}
+
+func TestBuildFundingGateFromProfile_BalanceReserve(t *testing.T) {
+	from := account_role.AccountRoleOperating
+	to := account_role.AccountRoleHold
+	gate, err := BuildFundingGateFromProfile(&GatewayFundingProfile{
+		Mode: model.FundingModeBalanceReserve,
+		Reserve: &ReservePolicy{
+			BlockAccountRef: "ledger:block",
+			FromRole:        &from,
+			ToRole:          &to,
+			ReleaseOnFail:   true,
+			ReleaseOnCancel: true,
+		},
+	}, &moneyv1.Money{
+		Amount:   "100",
+		Currency: "USD",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if gate == nil || gate.Reserve == nil {
+		t.Fatalf("expected reserve gate")
+	}
+	if gate.RequiredAmount == nil || gate.RequiredAmount.GetAmount() != "100" {
+		t.Fatalf("expected required amount 100, got %#v", gate.RequiredAmount)
+	}
+}
+
+func TestBuildFundingGateFromProfile_BalanceReserveMissingPolicy(t *testing.T) {
+	_, err := BuildFundingGateFromProfile(&GatewayFundingProfile{
+		Mode: model.FundingModeBalanceReserve,
+	}, &moneyv1.Money{
+		Amount:   "100",
+		Currency: "USD",
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg error, got %v", err)
+	}
+}
+
+func TestBuildFundingGateFromProfile_DepositObservedUsesRequiredAmountFallback(t *testing.T) {
+	gate, err := BuildFundingGateFromProfile(&GatewayFundingProfile{
+		Mode: model.FundingModeDepositObserved,
+		DepositCheck: &model.DepositCheckPolicy{
+			WalletRef: "wallet-1",
+		},
+	}, &moneyv1.Money{
+		Amount:   "42",
+		Currency: "USDT",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if gate == nil || gate.DepositCheck == nil {
+		t.Fatalf("expected deposit gate")
+	}
+	if gate.DepositCheck.ExpectedAmount == nil {
+		t.Fatalf("expected fallback expected amount")
+	}
+	if got := gate.DepositCheck.ExpectedAmount.GetAmount(); got != "42" {
+		t.Fatalf("expected amount 42, got %q", got)
+	}
+}
+
+func TestBuildFundingGateFromProfile_DepositObservedMissingWallet(t *testing.T) {
+	_, err := BuildFundingGateFromProfile(&GatewayFundingProfile{
+		Mode: model.FundingModeDepositObserved,
+		DepositCheck: &model.DepositCheckPolicy{
+			ExpectedAmount: &moneyv1.Money{
+				Amount:   "42",
+				Currency: "USDT",
+			},
+		},
+	}, nil)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg error, got %v", err)
+	}
+}
+
+func TestBuildFundingGateFromProfile_UnspecifiedMode(t *testing.T) {
+	_, err := BuildFundingGateFromProfile(&GatewayFundingProfile{}, nil)
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg error, got %v", err)
+	}
+}

api/payments/quotation/internal/service/quotation/gateway_funding_profile/funding_profile.go

@@ -0,0 +1,63 @@
+package gateway_funding_profile
+
+import (
+	"context"
+
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/model/account_role"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+// ReservePolicy defines where funds are blocked/released for pre-funding.
+type ReservePolicy struct {
+	DebitAccountRef string
+	BlockAccountRef string
+	FromRole        *account_role.AccountRole
+	ToRole          *account_role.AccountRole
+	ReleaseOnFail   bool
+	ReleaseOnCancel bool
+}
+
+// GatewayFundingProfile is the single source for funding/block resolution.
+type GatewayFundingProfile struct {
+	GatewayID  string
+	InstanceID string
+	Rail       model.Rail
+	Network    string
+	Currency   string
+	Mode       model.FundingMode
+
+	FundingDestination *model.PaymentEndpoint
+	FeeDestination     *model.PaymentEndpoint
+	Reserve            *ReservePolicy
+	DepositCheck       *model.DepositCheckPolicy
+
+	Defaults map[string]string
+}
+
+// QuoteFundingGate describes pre-funding requirements before payout execution.
+type QuoteFundingGate struct {
+	Mode           model.FundingMode
+	RequiredAmount *moneyv1.Money
+	Funding        *model.PaymentEndpoint
+	Fee            *model.PaymentEndpoint
+	Reserve        *ReservePolicy
+	DepositCheck   *model.DepositCheckPolicy
+}
+
+type FundingProfileRequest struct {
+	OrganizationRef string
+	GatewayID       string
+	InstanceID      string
+	Rail            model.Rail
+	Network         string
+	Currency        string
+	Amount          *moneyv1.Money
+	Source          *model.PaymentEndpoint
+	Destination     *model.PaymentEndpoint
+	Attributes      map[string]string
+}
+
+type FundingProfileResolver interface {
+	ResolveGatewayFundingProfile(ctx context.Context, req FundingProfileRequest) (*GatewayFundingProfile, error)
+}

api/payments/quotation/internal/service/quotation/gateway_funding_profile/funding_profile_resolver_static.go

@@ -0,0 +1,366 @@
+package gateway_funding_profile
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/shared"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/model/account_role"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+const (
+	defaultCardGatewayKey = "monetix"
+)
+
+type CardGatewayFundingRoute struct {
+	FundingAddress string
+	FeeAddress     string
+	FeeWalletRef   string
+}
+
+type StaticFundingProfileResolverInput struct {
+	DefaultCardGateway string
+	DefaultMode        model.FundingMode
+	GatewayModes       map[string]model.FundingMode
+	CardRoutes         map[string]CardGatewayFundingRoute
+	FeeLedgerAccounts  map[string]string
+	Profiles           map[string]*GatewayFundingProfile
+}
+
+type StaticFundingProfileResolver struct {
+	defaultCardGateway string
+	defaultMode        model.FundingMode
+	gatewayModes       map[string]model.FundingMode
+	cardRoutes         map[string]CardGatewayFundingRoute
+	feeLedgerAccounts  map[string]string
+	profiles           map[string]*GatewayFundingProfile
+}
+
+func NewStaticFundingProfileResolver(in StaticFundingProfileResolverInput) *StaticFundingProfileResolver {
+	r := &StaticFundingProfileResolver{
+		defaultCardGateway: normalizeGatewayKey(in.DefaultCardGateway),
+		defaultMode:        shared.NormalizeFundingMode(in.DefaultMode),
+		gatewayModes:       map[string]model.FundingMode{},
+		cardRoutes:         map[string]CardGatewayFundingRoute{},
+		feeLedgerAccounts:  map[string]string{},
+		profiles:           map[string]*GatewayFundingProfile{},
+	}
+	if r.defaultCardGateway == "" {
+		r.defaultCardGateway = defaultCardGatewayKey
+	}
+	if r.defaultMode == model.FundingModeUnspecified {
+		r.defaultMode = model.FundingModeNone
+	}
+	for k, v := range in.GatewayModes {
+		if key := normalizeGatewayKey(k); key != "" {
+			r.gatewayModes[key] = shared.NormalizeFundingMode(v)
+		}
+	}
+	for k, v := range in.CardRoutes {
+		if key := normalizeGatewayKey(k); key != "" {
+			r.cardRoutes[key] = CardGatewayFundingRoute{
+				FundingAddress: strings.TrimSpace(v.FundingAddress),
+				FeeAddress:     strings.TrimSpace(v.FeeAddress),
+				FeeWalletRef:   strings.TrimSpace(v.FeeWalletRef),
+			}
+		}
+	}
+	for k, v := range in.FeeLedgerAccounts {
+		if key := normalizeGatewayKey(k); key != "" {
+			if val := strings.TrimSpace(v); val != "" {
+				r.feeLedgerAccounts[key] = val
+			}
+		}
+	}
+	for k, v := range in.Profiles {
+		if key := normalizeGatewayKey(k); key != "" && v != nil {
+			r.profiles[key] = cloneGatewayFundingProfile(v)
+		}
+	}
+	return r
+}
+
+func (r *StaticFundingProfileResolver) ResolveGatewayFundingProfile(
+	_ context.Context,
+	req FundingProfileRequest,
+) (*GatewayFundingProfile, error) {
+	if r == nil {
+		return nil, nil
+	}
+
+	gatewayKey := r.gatewayKey(req)
+	attrs := cloneStringMap(req.Attributes)
+	if attrs == nil {
+		attrs = map[string]string{}
+	}
+
+	modeSet := false
+	mode := model.FundingModeUnspecified
+
+	var profile *GatewayFundingProfile
+	if gatewayKey != "" {
+		if configured, ok := r.profiles[gatewayKey]; ok && configured != nil {
+			profile = cloneGatewayFundingProfile(configured)
+			mode = shared.NormalizeFundingMode(profile.Mode)
+			modeSet = mode != model.FundingModeUnspecified
+		}
+	}
+	if profile == nil {
+		profile = &GatewayFundingProfile{}
+	}
+
+	profile.GatewayID = firstNonEmpty(
+		strings.TrimSpace(profile.GatewayID),
+		gatewayKey,
+	)
+	profile.InstanceID = firstNonEmpty(
+		strings.TrimSpace(profile.InstanceID),
+		strings.TrimSpace(req.InstanceID),
+	)
+	if profile.Rail == model.RailUnspecified {
+		profile.Rail = req.Rail
+	}
+	if strings.TrimSpace(profile.Network) == "" {
+		profile.Network = strings.TrimSpace(req.Network)
+	}
+	if strings.TrimSpace(profile.Currency) == "" {
+		profile.Currency = normalizedCurrency(req.Currency, req.Amount)
+	}
+
+	if !modeSet && gatewayKey != "" {
+		if configured, ok := r.gatewayModes[gatewayKey]; ok {
+			mode = shared.NormalizeFundingMode(configured)
+			modeSet = mode != model.FundingModeUnspecified
+		}
+	}
+	if !modeSet {
+		mode = r.defaultMode
+	}
+	profile.Mode = mode
+
+	sourceAsset := sourceAsset(req.Source)
+
+	if gatewayKey != "" {
+		if route, ok := r.cardRoutes[gatewayKey]; ok {
+			if profile.FundingDestination == nil && route.FundingAddress != "" {
+				profile.FundingDestination = &model.PaymentEndpoint{
+					Type: model.EndpointTypeExternalChain,
+					ExternalChain: &model.ExternalChainEndpoint{
+						Address: route.FundingAddress,
+						Asset:   cloneAsset(sourceAsset),
+					},
+				}
+			}
+			if profile.FeeDestination == nil {
+				switch {
+				case route.FeeWalletRef != "":
+					profile.FeeDestination = &model.PaymentEndpoint{
+						Type: model.EndpointTypeManagedWallet,
+						ManagedWallet: &model.ManagedWalletEndpoint{
+							ManagedWalletRef: route.FeeWalletRef,
+							Asset:            cloneAsset(sourceAsset),
+						},
+					}
+				case route.FeeAddress != "":
+					profile.FeeDestination = &model.PaymentEndpoint{
+						Type: model.EndpointTypeExternalChain,
+						ExternalChain: &model.ExternalChainEndpoint{
+							Address: route.FeeAddress,
+							Asset:   cloneAsset(sourceAsset),
+						},
+					}
+				}
+			}
+		}
+	}
+
+	if feeAccount := r.feeLedgerAccounts[gatewayKey]; feeAccount != "" {
+		if profile.Defaults == nil {
+			profile.Defaults = map[string]string{}
+		}
+		if strings.TrimSpace(profile.Defaults["fee_ledger_account_ref"]) == "" {
+			profile.Defaults["fee_ledger_account_ref"] = feeAccount
+		}
+	}
+	if len(attrs) > 0 {
+		if profile.Defaults == nil {
+			profile.Defaults = map[string]string{}
+		}
+		if _, ok := profile.Defaults["gateway"]; !ok && gatewayKey != "" {
+			profile.Defaults["gateway"] = gatewayKey
+		}
+	}
+
+	if profile.Reserve == nil {
+		if reserve := reservePolicyFromRequest(req); reserve != nil {
+			profile.Reserve = reserve
+		}
+	}
+
+	if profile.Mode == model.FundingModeNone && profile.Reserve != nil {
+		profile.Mode = model.FundingModeBalanceReserve
+	}
+
+	if isEmptyFundingProfile(profile) {
+		return nil, nil
+	}
+	return profile, nil
+}
+
+func (r *StaticFundingProfileResolver) gatewayKey(req FundingProfileRequest) string {
+	if key := normalizeGatewayKey(req.GatewayID); key != "" {
+		return key
+	}
+	if key := normalizeGatewayKey(req.Attributes["gateway"]); key != "" {
+		return key
+	}
+	if req.Destination != nil && req.Destination.Card != nil {
+		return r.defaultCardGateway
+	}
+	return ""
+}
+
+func normalizeGatewayKey(key string) string {
+	return strings.ToLower(strings.TrimSpace(key))
+}
+
+func normalizedCurrency(currency string, amount *moneyv1.Money) string {
+	if cur := strings.ToUpper(strings.TrimSpace(currency)); cur != "" {
+		return cur
+	}
+	if amount != nil {
+		return strings.ToUpper(strings.TrimSpace(amount.GetCurrency()))
+	}
+	return ""
+}
+
+func sourceAsset(source *model.PaymentEndpoint) *paymenttypes.Asset {
+	if source == nil {
+		return nil
+	}
+	if source.ManagedWallet != nil {
+		return source.ManagedWallet.Asset
+	}
+	if source.ExternalChain != nil {
+		return source.ExternalChain.Asset
+	}
+	return nil
+}
+
+func reservePolicyFromRequest(req FundingProfileRequest) *ReservePolicy {
+	if req.Source == nil && len(req.Attributes) == 0 {
+		return nil
+	}
+	reserve := &ReservePolicy{
+		DebitAccountRef: strings.TrimSpace(lookupAttr(req.Attributes,
+			"ledger_debit_account_ref",
+			"ledgerDebitAccountRef",
+		)),
+		BlockAccountRef: strings.TrimSpace(lookupAttr(req.Attributes,
+			"ledger_block_account_ref",
+			"ledgerBlockAccountRef",
+			"ledger_hold_account_ref",
+			"ledgerHoldAccountRef",
+			"ledger_debit_contra_account_ref",
+			"ledgerDebitContraAccountRef",
+		)),
+		ReleaseOnFail:   true,
+		ReleaseOnCancel: true,
+	}
+	if req.Source != nil && req.Source.Ledger != nil {
+		if reserve.DebitAccountRef == "" {
+			reserve.DebitAccountRef = strings.TrimSpace(req.Source.Ledger.LedgerAccountRef)
+		}
+		if reserve.BlockAccountRef == "" {
+			reserve.BlockAccountRef = strings.TrimSpace(req.Source.Ledger.ContraLedgerAccountRef)
+		}
+	}
+
+	if role, ok := parseAccountRole(lookupAttr(req.Attributes, "from_role", "fromRole")); ok {
+		reserve.FromRole = &role
+	}
+	if role, ok := parseAccountRole(lookupAttr(req.Attributes, "to_role", "toRole")); ok {
+		reserve.ToRole = &role
+	}
+
+	if reserve.DebitAccountRef == "" &&
+		reserve.BlockAccountRef == "" &&
+		reserve.FromRole == nil &&
+		reserve.ToRole == nil {
+		return nil
+	}
+	return reserve
+}
+
+func parseAccountRole(value string) (account_role.AccountRole, bool) {
+	role, ok := account_role.Parse(strings.TrimSpace(value))
+	if !ok || role == "" {
+		return "", false
+	}
+	return role, true
+}
+
+func lookupAttr(attrs map[string]string, keys ...string) string {
+	if len(attrs) == 0 {
+		return ""
+	}
+	for _, key := range keys {
+		if key == "" {
+			continue
+		}
+		if val := strings.TrimSpace(attrs[key]); val != "" {
+			return val
+		}
+	}
+	return ""
+}
+
+func firstNonEmpty(values ...string) string {
+	for _, value := range values {
+		if strings.TrimSpace(value) != "" {
+			return strings.TrimSpace(value)
+		}
+	}
+	return ""
+}
+
+func cloneGatewayFundingProfile(src *GatewayFundingProfile) *GatewayFundingProfile {
+	if src == nil {
+		return nil
+	}
+	return &GatewayFundingProfile{
+		GatewayID:          strings.TrimSpace(src.GatewayID),
+		InstanceID:         strings.TrimSpace(src.InstanceID),
+		Rail:               src.Rail,
+		Network:            strings.TrimSpace(src.Network),
+		Currency:           strings.ToUpper(strings.TrimSpace(src.Currency)),
+		Mode:               shared.NormalizeFundingMode(src.Mode),
+		FundingDestination: clonePaymentEndpoint(src.FundingDestination),
+		FeeDestination:     clonePaymentEndpoint(src.FeeDestination),
+		Reserve:            cloneReservePolicy(src.Reserve),
+		DepositCheck:       cloneDepositCheck(src.DepositCheck),
+		Defaults:           cloneStringMap(src.Defaults),
+	}
+}
+
+func isEmptyFundingProfile(profile *GatewayFundingProfile) bool {
+	if profile == nil {
+		return true
+	}
+	if profile.FundingDestination != nil || profile.FeeDestination != nil || profile.Reserve != nil || profile.DepositCheck != nil {
+		return false
+	}
+	if profile.Mode != model.FundingModeUnspecified && profile.Mode != model.FundingModeNone {
+		return false
+	}
+	if len(profile.Defaults) > 0 {
+		return false
+	}
+	if profile.GatewayID != "" {
+		return false
+	}
+	return true
+}

api/payments/quotation/internal/service/quotation/gateway_funding_profile/funding_profile_resolver_static_test.go

@@ -0,0 +1,188 @@
+package gateway_funding_profile
+
+import (
+	"context"
+	"testing"
+
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/model/account_role"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func TestStaticFundingProfileResolver_DefaultCardRoute(t *testing.T) {
+	resolver := NewStaticFundingProfileResolver(StaticFundingProfileResolverInput{
+		DefaultMode: model.FundingModeNone,
+		CardRoutes: map[string]CardGatewayFundingRoute{
+			"monetix": {
+				FundingAddress: "T-FUNDING",
+				FeeWalletRef:   "wallet-fee",
+			},
+		},
+		FeeLedgerAccounts: map[string]string{
+			"monetix": "ledger:fees",
+		},
+	})
+
+	profile, err := resolver.ResolveGatewayFundingProfile(context.Background(), FundingProfileRequest{
+		OrganizationRef: "org-1",
+		Amount: &moneyv1.Money{
+			Amount:   "100",
+			Currency: "USDT",
+		},
+		Source: &model.PaymentEndpoint{
+			Type: model.EndpointTypeManagedWallet,
+			ManagedWallet: &model.ManagedWalletEndpoint{
+				ManagedWalletRef: "wallet-src",
+				Asset: &paymenttypes.Asset{
+					Chain:       "TRON_MAINNET",
+					TokenSymbol: "USDT",
+				},
+			},
+		},
+		Destination: &model.PaymentEndpoint{
+			Type: model.EndpointTypeCard,
+			Card: &model.CardEndpoint{
+				MaskedPan: "****",
+			},
+		},
+		Attributes: map[string]string{
+			"initiator_ref": "usr-1",
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if profile == nil {
+		t.Fatalf("expected profile")
+	}
+	if profile.GatewayID != "monetix" {
+		t.Fatalf("expected gateway monetix, got %q", profile.GatewayID)
+	}
+	if profile.Mode != model.FundingModeNone {
+		t.Fatalf("expected mode none, got %q", profile.Mode)
+	}
+	if profile.FundingDestination == nil || profile.FundingDestination.ExternalChain == nil {
+		t.Fatalf("expected funding destination")
+	}
+	if got := profile.FundingDestination.ExternalChain.Address; got != "T-FUNDING" {
+		t.Fatalf("expected funding address T-FUNDING, got %q", got)
+	}
+	if profile.FeeDestination == nil || profile.FeeDestination.ManagedWallet == nil {
+		t.Fatalf("expected managed wallet fee destination")
+	}
+	if got := profile.FeeDestination.ManagedWallet.ManagedWalletRef; got != "wallet-fee" {
+		t.Fatalf("expected fee wallet wallet-fee, got %q", got)
+	}
+	if got := profile.Defaults["fee_ledger_account_ref"]; got != "ledger:fees" {
+		t.Fatalf("expected fee ledger account mapping, got %q", got)
+	}
+}
+
+func TestStaticFundingProfileResolver_ReserveFromSourceAndAttrs(t *testing.T) {
+	resolver := NewStaticFundingProfileResolver(StaticFundingProfileResolverInput{
+		GatewayModes: map[string]model.FundingMode{
+			"mntx": model.FundingModeBalanceReserve,
+		},
+	})
+
+	profile, err := resolver.ResolveGatewayFundingProfile(context.Background(), FundingProfileRequest{
+		GatewayID: "mntx",
+		Source: &model.PaymentEndpoint{
+			Type: model.EndpointTypeLedger,
+			Ledger: &model.LedgerEndpoint{
+				LedgerAccountRef:       "ledger:operating",
+				ContraLedgerAccountRef: "ledger:hold",
+			},
+		},
+		Attributes: map[string]string{
+			"ledger_block_account_ref": "ledger:block",
+			"from_role":                string(account_role.AccountRoleOperating),
+			"to_role":                  string(account_role.AccountRoleHold),
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if profile == nil {
+		t.Fatalf("expected profile")
+	}
+	if profile.Mode != model.FundingModeBalanceReserve {
+		t.Fatalf("expected balance_reserve mode, got %q", profile.Mode)
+	}
+	if profile.Reserve == nil {
+		t.Fatalf("expected reserve policy")
+	}
+	if got := profile.Reserve.DebitAccountRef; got != "ledger:operating" {
+		t.Fatalf("expected debit account ledger:operating, got %q", got)
+	}
+	if got := profile.Reserve.BlockAccountRef; got != "ledger:block" {
+		t.Fatalf("expected block account ledger:block, got %q", got)
+	}
+	if profile.Reserve.FromRole == nil || *profile.Reserve.FromRole != account_role.AccountRoleOperating {
+		t.Fatalf("expected from role operating, got %#v", profile.Reserve.FromRole)
+	}
+	if profile.Reserve.ToRole == nil || *profile.Reserve.ToRole != account_role.AccountRoleHold {
+		t.Fatalf("expected to role hold, got %#v", profile.Reserve.ToRole)
+	}
+}
+
+func TestStaticFundingProfileResolver_EmptyInputReturnsNil(t *testing.T) {
+	resolver := NewStaticFundingProfileResolver(StaticFundingProfileResolverInput{})
+
+	profile, err := resolver.ResolveGatewayFundingProfile(context.Background(), FundingProfileRequest{
+		OrganizationRef: "org-1",
+		Amount: &moneyv1.Money{
+			Amount:   "10",
+			Currency: "USD",
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if profile != nil {
+		t.Fatalf("expected nil profile")
+	}
+}
+
+func TestStaticFundingProfileResolver_ConfiguredProfileCloned(t *testing.T) {
+	resolver := NewStaticFundingProfileResolver(StaticFundingProfileResolverInput{
+		Profiles: map[string]*GatewayFundingProfile{
+			"monetix": {
+				Mode: model.FundingModeDepositObserved,
+				DepositCheck: &model.DepositCheckPolicy{
+					WalletRef: "wallet-deposit",
+					ExpectedAmount: &moneyv1.Money{
+						Amount:   "15",
+						Currency: "USDT",
+					},
+					MinConfirmations: 2,
+				},
+			},
+		},
+	})
+
+	first, err := resolver.ResolveGatewayFundingProfile(context.Background(), FundingProfileRequest{
+		GatewayID: "monetix",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if first == nil || first.DepositCheck == nil {
+		t.Fatalf("expected configured profile")
+	}
+	first.DepositCheck.WalletRef = "changed"
+
+	second, err := resolver.ResolveGatewayFundingProfile(context.Background(), FundingProfileRequest{
+		GatewayID: "monetix",
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if second == nil || second.DepositCheck == nil {
+		t.Fatalf("expected configured profile")
+	}
+	if second.DepositCheck.WalletRef != "wallet-deposit" {
+		t.Fatalf("expected cloned profile, got %q", second.DepositCheck.WalletRef)
+	}
+}

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

@@ -9,7 +9,6 @@ import (
 	"strings"
 	"time"
 
-	"github.com/tech/sendico/payments/storage"
 	"github.com/tech/sendico/payments/storage/model"
 	quotestorage "github.com/tech/sendico/payments/storage/quote"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
@@ -131,7 +130,7 @@ func (h *quotePaymentCommand) quotePayment(
 	}
 
 	existing, err := quotesStore.GetByIdempotencyKey(ctx, qc.orgRef, qc.idempotencyKey)
-	if err != nil && !errors.Is(err, storage.ErrQuoteNotFound) && !errors.Is(err, merrors.ErrNoData) {
+	if err != nil && !errors.Is(err, quotestorage.ErrQuoteNotFound) && !errors.Is(err, merrors.ErrNoData) {
 		h.logger.Warn("Failed to lookup quote by idempotency key", zap.Error(err),
 			mzap.ObjRef("org_ref", qc.orgRef), zap.String("idempotency_key", qc.idempotencyKey),
 		)
@@ -203,7 +202,7 @@ func (h *quotePaymentCommand) quotePayment(
 	record.SetOrganizationRef(qc.orgRef)
 
 	if err := quotesStore.Create(ctx, record); err != nil {
-		if errors.Is(err, storage.ErrDuplicateQuote) {
+		if errors.Is(err, quotestorage.ErrDuplicateQuote) {
 			existing, getErr := quotesStore.GetByIdempotencyKey(ctx, qc.orgRef, qc.idempotencyKey)
 			if getErr == nil && existing != nil {
 				if existing.Hash != qc.hash {
@@ -422,7 +421,7 @@ func (h *quotePaymentsCommand) tryReuse(
 
 	rec, err := quotesStore.GetByIdempotencyKey(ctx, qc.orgRef, qc.idempotencyKey)
 	if err != nil {
-		if errors.Is(err, storage.ErrQuoteNotFound) {
+		if errors.Is(err, quotestorage.ErrQuoteNotFound) {
 			return nil, false, nil
 		}
 		h.logger.Warn(
@@ -538,7 +537,7 @@ func (h *quotePaymentsCommand) storeBatch(
 	record.SetOrganizationRef(qc.orgRef)
 
 	if err := quotesStore.Create(ctx, record); err != nil {
-		if errors.Is(err, storage.ErrDuplicateQuote) {
+		if errors.Is(err, quotestorage.ErrDuplicateQuote) {
 			rec, ok, reuseErr := h.tryReuse(ctx, quotesStore, qc)
 			if reuseErr != nil {
 				return nil, reuseErr

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

@@ -184,12 +184,12 @@ func (s *quoteCommandTestQuotesStore) GetByRef(_ context.Context, _ bson.ObjectI
 			return rec, nil
 		}
 	}
-	return nil, storage.ErrQuoteNotFound
+	return nil, quotestorage.ErrQuoteNotFound
 }
 
 func (s *quoteCommandTestQuotesStore) GetByIdempotencyKey(_ context.Context, _ bson.ObjectID, idempotencyKey string) (*model.PaymentQuoteRecord, error) {
 	if rec, ok := s.byID[idempotencyKey]; ok {
 		return rec, nil
 	}
-	return nil, storage.ErrQuoteNotFound
+	return nil, quotestorage.ErrQuoteNotFound
 }

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

@@ -4,7 +4,7 @@ import (
 	"context"
 	"strings"
 
-	"github.com/tech/sendico/payments/quotation/internal/service/shared"
+	"github.com/tech/sendico/payments/quotation/internal/shared"
 	"github.com/tech/sendico/payments/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"

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

@@ -0,0 +1,243 @@
+package quotation_service_v2
+
+import (
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_computation_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_persistence_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_response_mapper_v2"
+	"github.com/tech/sendico/payments/storage/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func statusInputFromStatus(status quote_response_mapper_v2.QuoteStatus) *quote_persistence_service.StatusInput {
+	return &quote_persistence_service.StatusInput{
+		Kind:        status.Kind,
+		Lifecycle:   status.Lifecycle,
+		Executable:  cloneBool(status.Executable),
+		BlockReason: status.BlockReason,
+	}
+}
+
+func statusFromStored(input *model.QuoteStatusV2) quote_response_mapper_v2.QuoteStatus {
+	if input == nil {
+		status := quote_response_mapper_v2.QuoteStatus{
+			Kind:      quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle: quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		}
+		status.Executable = boolPtr(true)
+		return status
+	}
+
+	status := quote_response_mapper_v2.QuoteStatus{
+		Kind:        quoteKindToProto(input.Kind),
+		Lifecycle:   quoteLifecycleToProto(input.Lifecycle),
+		Executable:  cloneBool(input.Executable),
+		BlockReason: quoteBlockReasonToProto(input.BlockReason),
+	}
+	if status.Kind == quotationv2.QuoteKind_QUOTE_KIND_UNSPECIFIED {
+		status.Kind = quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE
+	}
+	if status.Lifecycle == quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_UNSPECIFIED {
+		status.Lifecycle = quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE
+	}
+	return status
+}
+
+func quoteSnapshotFromComputed(src *quote_computation_service.ComputedQuote) *model.PaymentQuoteSnapshot {
+	if src == nil {
+		return nil
+	}
+	return &model.PaymentQuoteSnapshot{
+		DebitAmount:              modelMoneyFromProto(src.DebitAmount),
+		ExpectedSettlementAmount: modelMoneyFromProto(src.CreditAmount),
+		TotalCost:                modelMoneyFromProto(src.TotalCost),
+		FeeLines:                 feeLinesFromProto(src.FeeLines),
+		FeeRules:                 feeRulesFromProto(src.FeeRules),
+		Route:                    modelRouteFromProto(src.Route),
+		ExecutionConditions:      modelExecutionConditionsFromProto(src.ExecutionConditions),
+		QuoteRef:                 strings.TrimSpace(src.QuoteRef),
+		FXQuote:                  modelFXQuoteFromProto(src.FXQuote),
+	}
+}
+
+func canonicalFromSnapshot(
+	snapshot *model.PaymentQuoteSnapshot,
+	expiresAt time.Time,
+	pricedAt time.Time,
+	fallbackQuoteRef string,
+) quote_response_mapper_v2.CanonicalQuote {
+	if snapshot == nil {
+		return quote_response_mapper_v2.CanonicalQuote{
+			QuoteRef:  strings.TrimSpace(fallbackQuoteRef),
+			ExpiresAt: expiresAt,
+			PricedAt:  pricedAt,
+		}
+	}
+	return quote_response_mapper_v2.CanonicalQuote{
+		QuoteRef:     firstNonEmpty(snapshot.QuoteRef, fallbackQuoteRef),
+		DebitAmount:  protoMoneyFromModel(snapshot.DebitAmount),
+		CreditAmount: protoMoneyFromModel(snapshot.ExpectedSettlementAmount),
+		TotalCost:    protoMoneyFromModel(snapshot.TotalCost),
+		FeeLines:     feeLinesToProto(snapshot.FeeLines),
+		FeeRules:     feeRulesToProto(snapshot.FeeRules),
+		Route:        protoRouteFromModel(snapshot.Route),
+		Conditions:   protoExecutionConditionsFromModel(snapshot.ExecutionConditions),
+		FXQuote:      protoFXQuoteFromModel(snapshot.FXQuote),
+		ExpiresAt:    expiresAt,
+		PricedAt:     pricedAt,
+	}
+}
+
+func modelMoneyFromProto(src *moneyv1.Money) *paymenttypes.Money {
+	if src == nil {
+		return nil
+	}
+	return &paymenttypes.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.ToUpper(strings.TrimSpace(src.GetCurrency())),
+	}
+}
+
+func protoMoneyFromModel(src *paymenttypes.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.ToUpper(strings.TrimSpace(src.GetCurrency())),
+	}
+}
+
+func modelFXQuoteFromProto(src *oraclev1.Quote) *paymenttypes.FXQuote {
+	if src == nil {
+		return nil
+	}
+	modelQuote := &paymenttypes.FXQuote{
+		QuoteRef:        strings.TrimSpace(src.GetQuoteRef()),
+		Side:            sideFromProto(src.GetSide()),
+		Price:           &paymenttypes.Decimal{Value: strings.TrimSpace(src.GetPrice().GetValue())},
+		BaseAmount:      modelMoneyFromProto(src.GetBaseAmount()),
+		QuoteAmount:     modelMoneyFromProto(src.GetQuoteAmount()),
+		ExpiresAtUnixMs: src.GetExpiresAtUnixMs(),
+		Provider:        strings.TrimSpace(src.GetProvider()),
+		RateRef:         strings.TrimSpace(src.GetRateRef()),
+		Firm:            src.GetFirm(),
+	}
+	if pair := src.GetPair(); pair != nil {
+		modelQuote.Pair = &paymenttypes.CurrencyPair{
+			Base:  strings.ToUpper(strings.TrimSpace(pair.GetBase())),
+			Quote: strings.ToUpper(strings.TrimSpace(pair.GetQuote())),
+		}
+	}
+	if pricedAt := src.GetPricedAt(); pricedAt != nil {
+		modelQuote.PricedAtUnixMs = pricedAt.AsTime().UnixMilli()
+	}
+	return modelQuote
+}
+
+func protoFXQuoteFromModel(src *paymenttypes.FXQuote) *oraclev1.Quote {
+	if src == nil {
+		return nil
+	}
+	quote := &oraclev1.Quote{
+		QuoteRef:        strings.TrimSpace(src.QuoteRef),
+		Side:            sideToProto(src.GetSide()),
+		Price:           &moneyv1.Decimal{Value: strings.TrimSpace(src.GetPrice().GetValue())},
+		BaseAmount:      protoMoneyFromModel(src.GetBaseAmount()),
+		QuoteAmount:     protoMoneyFromModel(src.GetQuoteAmount()),
+		ExpiresAtUnixMs: src.GetExpiresAtUnixMs(),
+		Provider:        strings.TrimSpace(src.GetProvider()),
+		RateRef:         strings.TrimSpace(src.GetRateRef()),
+		Firm:            src.GetFirm(),
+	}
+	if pair := src.GetPair(); pair != nil {
+		quote.Pair = &fxv1.CurrencyPair{
+			Base:  strings.ToUpper(strings.TrimSpace(pair.GetBase())),
+			Quote: strings.ToUpper(strings.TrimSpace(pair.GetQuote())),
+		}
+	}
+	if src.GetPricedAtUnixMs() > 0 {
+		quote.PricedAt = timestamppb.New(time.UnixMilli(src.GetPricedAtUnixMs()))
+	}
+	return quote
+}
+
+func sideFromProto(side fxv1.Side) paymenttypes.FXSide {
+	switch side {
+	case fxv1.Side_BUY_BASE_SELL_QUOTE:
+		return paymenttypes.FXSideBuyBaseSellQuote
+	case fxv1.Side_SELL_BASE_BUY_QUOTE:
+		return paymenttypes.FXSideSellBaseBuyQuote
+	default:
+		return paymenttypes.FXSideUnspecified
+	}
+}
+
+func sideToProto(side paymenttypes.FXSide) fxv1.Side {
+	switch side {
+	case paymenttypes.FXSideBuyBaseSellQuote:
+		return fxv1.Side_BUY_BASE_SELL_QUOTE
+	case paymenttypes.FXSideSellBaseBuyQuote:
+		return fxv1.Side_SELL_BASE_BUY_QUOTE
+	default:
+		return fxv1.Side_SIDE_UNSPECIFIED
+	}
+}
+
+func quoteKindToProto(kind model.QuoteKind) quotationv2.QuoteKind {
+	switch kind {
+	case model.QuoteKindExecutable:
+		return quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE
+	case model.QuoteKindIndicative:
+		return quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE
+	default:
+		return quotationv2.QuoteKind_QUOTE_KIND_UNSPECIFIED
+	}
+}
+
+func quoteLifecycleToProto(lifecycle model.QuoteLifecycle) quotationv2.QuoteLifecycle {
+	switch lifecycle {
+	case model.QuoteLifecycleActive:
+		return quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE
+	case model.QuoteLifecycleExpired:
+		return quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_EXPIRED
+	default:
+		return quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_UNSPECIFIED
+	}
+}
+
+func quoteBlockReasonToProto(reason model.QuoteBlockReason) quotationv2.QuoteBlockReason {
+	switch reason {
+	case model.QuoteBlockReasonRouteUnavailable:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE
+	case model.QuoteBlockReasonLimitBlocked:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_LIMIT_BLOCKED
+	case model.QuoteBlockReasonRiskBlocked:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_RISK_BLOCKED
+	case model.QuoteBlockReasonInsufficientLiquidity:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY
+	case model.QuoteBlockReasonPriceStale:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_PRICE_STALE
+	case model.QuoteBlockReasonAmountTooSmall:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_SMALL
+	case model.QuoteBlockReasonAmountTooLarge:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_LARGE
+	default:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	}
+}
+
+func cloneBool(src *bool) *bool {
+	if src == nil {
+		return nil
+	}
+	value := *src
+	return &value
+}

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

@@ -0,0 +1,195 @@
+package quotation_service_v2
+
+import (
+	"strings"
+
+	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"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func feeLinesFromProto(lines []*feesv1.DerivedPostingLine) []*paymenttypes.FeeLine {
+	if len(lines) == 0 {
+		return nil
+	}
+	result := make([]*paymenttypes.FeeLine, 0, len(lines))
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		result = append(result, &paymenttypes.FeeLine{
+			LedgerAccountRef: strings.TrimSpace(line.GetLedgerAccountRef()),
+			Money:            modelMoneyFromProto(line.GetMoney()),
+			LineType:         postingLineTypeFromProto(line.GetLineType()),
+			Side:             entrySideFromProto(line.GetSide()),
+			Meta:             cloneStringMap(line.GetMeta()),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func feeLinesToProto(lines []*paymenttypes.FeeLine) []*feesv1.DerivedPostingLine {
+	if len(lines) == 0 {
+		return nil
+	}
+	result := make([]*feesv1.DerivedPostingLine, 0, len(lines))
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		result = append(result, &feesv1.DerivedPostingLine{
+			LedgerAccountRef: strings.TrimSpace(line.GetLedgerAccountRef()),
+			Money:            protoMoneyFromModel(line.GetMoney()),
+			LineType:         postingLineTypeToProto(line.GetLineType()),
+			Side:             entrySideToProto(line.GetSide()),
+			Meta:             cloneStringMap(line.Meta),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func feeRulesFromProto(rules []*feesv1.AppliedRule) []*paymenttypes.AppliedRule {
+	if len(rules) == 0 {
+		return nil
+	}
+	result := make([]*paymenttypes.AppliedRule, 0, len(rules))
+	for _, rule := range rules {
+		if rule == nil {
+			continue
+		}
+		result = append(result, &paymenttypes.AppliedRule{
+			RuleID:      strings.TrimSpace(rule.GetRuleId()),
+			RuleVersion: strings.TrimSpace(rule.GetRuleVersion()),
+			Formula:     strings.TrimSpace(rule.GetFormula()),
+			Rounding:    roundingModeFromProto(rule.GetRounding()),
+			TaxCode:     strings.TrimSpace(rule.GetTaxCode()),
+			TaxRate:     strings.TrimSpace(rule.GetTaxRate()),
+			Parameters:  cloneStringMap(rule.GetParameters()),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func feeRulesToProto(rules []*paymenttypes.AppliedRule) []*feesv1.AppliedRule {
+	if len(rules) == 0 {
+		return nil
+	}
+	result := make([]*feesv1.AppliedRule, 0, len(rules))
+	for _, rule := range rules {
+		if rule == nil {
+			continue
+		}
+		result = append(result, &feesv1.AppliedRule{
+			RuleId:      strings.TrimSpace(rule.RuleID),
+			RuleVersion: strings.TrimSpace(rule.RuleVersion),
+			Formula:     strings.TrimSpace(rule.Formula),
+			Rounding:    roundingModeToProto(rule.Rounding),
+			TaxCode:     strings.TrimSpace(rule.TaxCode),
+			TaxRate:     strings.TrimSpace(rule.TaxRate),
+			Parameters:  cloneStringMap(rule.Parameters),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func entrySideFromProto(side accountingv1.EntrySide) paymenttypes.EntrySide {
+	switch side {
+	case accountingv1.EntrySide_ENTRY_SIDE_DEBIT:
+		return paymenttypes.EntrySideDebit
+	case accountingv1.EntrySide_ENTRY_SIDE_CREDIT:
+		return paymenttypes.EntrySideCredit
+	default:
+		return paymenttypes.EntrySideUnspecified
+	}
+}
+
+func entrySideToProto(side paymenttypes.EntrySide) accountingv1.EntrySide {
+	switch side {
+	case paymenttypes.EntrySideDebit:
+		return accountingv1.EntrySide_ENTRY_SIDE_DEBIT
+	case paymenttypes.EntrySideCredit:
+		return accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+	default:
+		return accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED
+	}
+}
+
+func postingLineTypeFromProto(lineType accountingv1.PostingLineType) paymenttypes.PostingLineType {
+	switch lineType {
+	case accountingv1.PostingLineType_POSTING_LINE_FEE:
+		return paymenttypes.PostingLineTypeFee
+	case accountingv1.PostingLineType_POSTING_LINE_TAX:
+		return paymenttypes.PostingLineTypeTax
+	case accountingv1.PostingLineType_POSTING_LINE_SPREAD:
+		return paymenttypes.PostingLineTypeSpread
+	case accountingv1.PostingLineType_POSTING_LINE_REVERSAL:
+		return paymenttypes.PostingLineTypeReversal
+	default:
+		return paymenttypes.PostingLineTypeUnspecified
+	}
+}
+
+func postingLineTypeToProto(lineType paymenttypes.PostingLineType) accountingv1.PostingLineType {
+	switch lineType {
+	case paymenttypes.PostingLineTypeFee:
+		return accountingv1.PostingLineType_POSTING_LINE_FEE
+	case paymenttypes.PostingLineTypeTax:
+		return accountingv1.PostingLineType_POSTING_LINE_TAX
+	case paymenttypes.PostingLineTypeSpread:
+		return accountingv1.PostingLineType_POSTING_LINE_SPREAD
+	case paymenttypes.PostingLineTypeReversal:
+		return accountingv1.PostingLineType_POSTING_LINE_REVERSAL
+	default:
+		return accountingv1.PostingLineType_POSTING_LINE_TYPE_UNSPECIFIED
+	}
+}
+
+func roundingModeFromProto(mode moneyv1.RoundingMode) paymenttypes.RoundingMode {
+	switch mode {
+	case moneyv1.RoundingMode_ROUND_HALF_EVEN:
+		return paymenttypes.RoundingModeHalfEven
+	case moneyv1.RoundingMode_ROUND_HALF_UP:
+		return paymenttypes.RoundingModeHalfUp
+	case moneyv1.RoundingMode_ROUND_DOWN:
+		return paymenttypes.RoundingModeDown
+	default:
+		return paymenttypes.RoundingModeUnspecified
+	}
+}
+
+func roundingModeToProto(mode paymenttypes.RoundingMode) moneyv1.RoundingMode {
+	switch mode {
+	case paymenttypes.RoundingModeHalfEven:
+		return moneyv1.RoundingMode_ROUND_HALF_EVEN
+	case paymenttypes.RoundingModeHalfUp:
+		return moneyv1.RoundingMode_ROUND_HALF_UP
+	case paymenttypes.RoundingModeDown:
+		return moneyv1.RoundingMode_ROUND_DOWN
+	default:
+		return moneyv1.RoundingMode_ROUNDING_MODE_UNSPECIFIED
+	}
+}
+
+func cloneStringMap(input map[string]string) map[string]string {
+	if len(input) == 0 {
+		return nil
+	}
+	result := make(map[string]string, len(input))
+	for k, v := range input {
+		result[k] = v
+	}
+	return result
+}

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

@@ -0,0 +1,49 @@
+package quotation_service_v2
+
+import (
+	"strings"
+	"time"
+
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func boolPtr(value bool) *bool {
+	v := value
+	return &v
+}
+
+func minExpiry(values []time.Time) (time.Time, bool) {
+	var min time.Time
+	for _, value := range values {
+		if value.IsZero() {
+			continue
+		}
+		if min.IsZero() || value.Before(min) {
+			min = value
+		}
+	}
+	if min.IsZero() {
+		return time.Time{}, false
+	}
+	return min, true
+}
+
+func firstNonEmpty(values ...string) string {
+	for _, value := range values {
+		trimmed := strings.TrimSpace(value)
+		if trimmed != "" {
+			return trimmed
+		}
+	}
+	return ""
+}
+
+func cloneProtoMoney(src *moneyv1.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.ToUpper(strings.TrimSpace(src.GetCurrency())),
+	}
+}

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

@@ -0,0 +1,167 @@
+package quotation_service_v2
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/batch_quote_processor_v2"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_idempotency_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_persistence_service"
+	"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"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func (s *QuotationServiceV2) ProcessQuotePayments(
+	ctx context.Context,
+	req *quotationv2.QuotePaymentsRequest,
+) (*QuotePaymentsResult, error) {
+	if err := s.validateDependencies(); err != nil {
+		return nil, err
+	}
+
+	requestCtx, err := s.deps.Validator.ValidateQuotePayments(req)
+	if err != nil {
+		return nil, err
+	}
+
+	fingerprint := ""
+	if !requestCtx.PreviewOnly {
+		fingerprint = s.deps.Idempotency.FingerprintQuotePayments(req)
+		reusedRecord, reused, reuseErr := s.deps.Idempotency.TryReuse(ctx, s.deps.QuotesStore, quote_idempotency_service.ReuseInput{
+			OrganizationID: requestCtx.OrganizationID,
+			IdempotencyKey: requestCtx.IdempotencyKey,
+			Fingerprint:    fingerprint,
+			Shape:          quote_idempotency_service.QuoteShapeBatch,
+		})
+		if reuseErr != nil {
+			return nil, reuseErr
+		}
+		if reused {
+			return s.batchResultFromRecord(reusedRecord)
+		}
+	}
+
+	hydrated, err := s.deps.Hydrator.HydrateMany(ctx, transfer_intent_hydrator.HydrateManyInput{
+		OrganizationRef: requestCtx.OrganizationRef,
+		InitiatorRef:    requestCtx.InitiatorRef,
+		Intents:         req.GetIntents(),
+	})
+	if err != nil {
+		return nil, err
+	}
+
+	quoteRef := ""
+	if !requestCtx.PreviewOnly {
+		quoteRef = normalizeQuoteRef(s.deps.NewRef())
+		if quoteRef == "" {
+			return nil, merrors.InvalidArgument("quote_ref is required")
+		}
+	}
+
+	collector := newItemCollector()
+	single := newSingleIntentProcessorV2(
+		s.deps.Computation,
+		s.deps.Classifier,
+		s.deps.ResponseMapper,
+		quoteRef,
+		s.deps.Now().UTC(),
+		collector,
+	)
+	batch := batch_quote_processor_v2.New(single)
+
+	batchOut, err := batch.Process(ctx, batch_quote_processor_v2.ProcessInput{
+		Context: newBatchContext(requestCtx),
+		Intents: hydrated,
+	})
+	if err != nil {
+		return nil, err
+	}
+	if batchOut == nil || len(batchOut.Items) != len(hydrated) {
+		return nil, merrors.InvalidArgument("batch quote output is invalid")
+	}
+
+	quotes := make([]*quotationv2.PaymentQuote, 0, len(batchOut.Items))
+	for _, item := range batchOut.Items {
+		if item == nil || item.Quote == nil {
+			return nil, merrors.InvalidArgument("batch item quote is required")
+		}
+		quotes = append(quotes, item.Quote)
+	}
+
+	details := collector.Ordered(len(batchOut.Items))
+	if len(details) != len(batchOut.Items) {
+		return nil, merrors.InvalidArgument("batch processing details are incomplete")
+	}
+
+	response := &quotationv2.QuotePaymentsResponse{
+		QuoteRef:       quoteRef,
+		Quotes:         quotes,
+		IdempotencyKey: strings.TrimSpace(requestCtx.IdempotencyKey),
+	}
+	result := &QuotePaymentsResult{
+		Response: response,
+	}
+	if requestCtx.PreviewOnly {
+		return result, nil
+	}
+
+	expires := make([]time.Time, 0, len(details))
+	intents := make([]model.PaymentIntent, 0, len(details))
+	snapshots := make([]*model.PaymentQuoteSnapshot, 0, len(details))
+	statuses := make([]*quote_persistence_service.StatusInput, 0, len(details))
+	for _, detail := range details {
+		if detail == nil || detail.Intent.Amount == nil || detail.Quote == nil {
+			return nil, merrors.InvalidArgument("batch processing detail is incomplete")
+		}
+		expires = append(expires, detail.ExpiresAt)
+		intents = append(intents, detail.Intent)
+		snapshots = append(snapshots, quoteSnapshotFromComputed(detail.Quote))
+		statuses = append(statuses, statusInputFromStatus(detail.Status))
+	}
+
+	expiresAt, ok := minExpiry(expires)
+	if !ok {
+		return nil, merrors.InvalidArgument("expires_at is required")
+	}
+
+	record, err := s.deps.Persistence.BuildRecord(quote_persistence_service.PersistInput{
+		OrganizationID: requestCtx.OrganizationID,
+		QuoteRef:       quoteRef,
+		IdempotencyKey: requestCtx.IdempotencyKey,
+		Hash:           fingerprint,
+		ExpiresAt:      expiresAt,
+		Intents:        intents,
+		Quotes:         snapshots,
+		Statuses:       statuses,
+	})
+	if err != nil {
+		return nil, err
+	}
+
+	stored, reused, err := s.deps.Idempotency.CreateOrReuse(ctx, s.deps.QuotesStore, quote_idempotency_service.CreateInput{
+		Record: record,
+		Reuse: quote_idempotency_service.ReuseInput{
+			OrganizationID: requestCtx.OrganizationID,
+			IdempotencyKey: requestCtx.IdempotencyKey,
+			Fingerprint:    fingerprint,
+			Shape:          quote_idempotency_service.QuoteShapeBatch,
+		},
+	})
+	if err != nil {
+		if errors.Is(err, quote_idempotency_service.ErrIdempotencyParamMismatch) ||
+			errors.Is(err, quote_idempotency_service.ErrIdempotencyShapeMismatch) {
+			return nil, merrors.InvalidArgument(err.Error())
+		}
+		return nil, err
+	}
+	if reused {
+		return s.batchResultFromRecord(stored)
+	}
+
+	result.Record = stored
+	return result, nil
+}

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

@@ -0,0 +1,148 @@
+package quotation_service_v2
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/batch_quote_processor_v2"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_idempotency_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_persistence_service"
+	"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"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func (s *QuotationServiceV2) ProcessQuotePayment(
+	ctx context.Context,
+	req *quotationv2.QuotePaymentRequest,
+) (*QuotePaymentResult, error) {
+	if err := s.validateDependencies(); err != nil {
+		return nil, err
+	}
+
+	requestCtx, err := s.deps.Validator.ValidateQuotePayment(req)
+	if err != nil {
+		return nil, err
+	}
+
+	fingerprint := ""
+	if !requestCtx.PreviewOnly {
+		fingerprint = s.deps.Idempotency.FingerprintQuotePayment(req)
+		reusedRecord, reused, reuseErr := s.deps.Idempotency.TryReuse(ctx, s.deps.QuotesStore, quote_idempotency_service.ReuseInput{
+			OrganizationID: requestCtx.OrganizationID,
+			IdempotencyKey: requestCtx.IdempotencyKey,
+			Fingerprint:    fingerprint,
+			Shape:          quote_idempotency_service.QuoteShapeSingle,
+		})
+		if reuseErr != nil {
+			return nil, reuseErr
+		}
+		if reused {
+			return s.singleResultFromRecord(reusedRecord)
+		}
+	}
+
+	hydrated, err := s.deps.Hydrator.HydrateOne(ctx, transfer_intent_hydrator.HydrateOneInput{
+		OrganizationRef: requestCtx.OrganizationRef,
+		InitiatorRef:    requestCtx.InitiatorRef,
+		Intent:          req.GetIntent(),
+	})
+	if err != nil {
+		return nil, err
+	}
+
+	quoteRef := ""
+	if !requestCtx.PreviewOnly {
+		quoteRef = normalizeQuoteRef(s.deps.NewRef())
+		if quoteRef == "" {
+			return nil, merrors.InvalidArgument("quote_ref is required")
+		}
+	}
+
+	collector := newItemCollector()
+	single := newSingleIntentProcessorV2(
+		s.deps.Computation,
+		s.deps.Classifier,
+		s.deps.ResponseMapper,
+		quoteRef,
+		s.deps.Now().UTC(),
+		collector,
+	)
+	batch := batch_quote_processor_v2.New(single)
+
+	batchOut, err := batch.Process(ctx, batch_quote_processor_v2.ProcessInput{
+		Context: newBatchContext(requestCtx),
+		Intents: []*transfer_intent_hydrator.QuoteIntent{hydrated},
+	})
+	if err != nil {
+		return nil, err
+	}
+	if batchOut == nil || len(batchOut.Items) != 1 || batchOut.Items[0] == nil || batchOut.Items[0].Quote == nil {
+		return nil, merrors.InvalidArgument("single quote output is invalid")
+	}
+
+	response := &quotationv2.QuotePaymentResponse{
+		Quote:          batchOut.Items[0].Quote,
+		IdempotencyKey: strings.TrimSpace(requestCtx.IdempotencyKey),
+	}
+
+	detail, ok := collector.Get(0)
+	if !ok || detail == nil {
+		return nil, merrors.InvalidArgument("single processing detail is required")
+	}
+
+	result := &QuotePaymentResult{
+		Response: response,
+	}
+	if requestCtx.PreviewOnly {
+		return result, nil
+	}
+
+	expiresAt := detail.ExpiresAt
+	if expiresAt.IsZero() {
+		return nil, merrors.InvalidArgument("expires_at is required")
+	}
+
+	record, err := s.deps.Persistence.BuildRecord(quote_persistence_service.PersistInput{
+		OrganizationID: requestCtx.OrganizationID,
+		QuoteRef:       quoteRef,
+		IdempotencyKey: requestCtx.IdempotencyKey,
+		Hash:           fingerprint,
+		ExpiresAt:      expiresAt,
+		Intent:         pointerTo(detail.Intent),
+		Quote:          quoteSnapshotFromComputed(detail.Quote),
+		Status:         statusInputFromStatus(detail.Status),
+	})
+	if err != nil {
+		return nil, err
+	}
+
+	stored, reused, err := s.deps.Idempotency.CreateOrReuse(ctx, s.deps.QuotesStore, quote_idempotency_service.CreateInput{
+		Record: record,
+		Reuse: quote_idempotency_service.ReuseInput{
+			OrganizationID: requestCtx.OrganizationID,
+			IdempotencyKey: requestCtx.IdempotencyKey,
+			Fingerprint:    fingerprint,
+			Shape:          quote_idempotency_service.QuoteShapeSingle,
+		},
+	})
+	if err != nil {
+		if errors.Is(err, quote_idempotency_service.ErrIdempotencyParamMismatch) ||
+			errors.Is(err, quote_idempotency_service.ErrIdempotencyShapeMismatch) {
+			return nil, merrors.InvalidArgument(err.Error())
+		}
+		return nil, err
+	}
+
+	if reused {
+		return s.singleResultFromRecord(stored)
+	}
+	result.Record = stored
+	return result, nil
+}
+
+func pointerTo(intent model.PaymentIntent) *model.PaymentIntent {
+	return &intent
+}

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

@@ -0,0 +1,16 @@
+package quotation_service_v2
+
+import (
+	"github.com/tech/sendico/payments/storage/model"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+type QuotePaymentResult struct {
+	Response *quotationv2.QuotePaymentResponse
+	Record   *model.PaymentQuoteRecord
+}
+
+type QuotePaymentsResult struct {
+	Response *quotationv2.QuotePaymentsResponse
+	Record   *model.PaymentQuoteRecord
+}

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

@@ -0,0 +1,81 @@
+package quotation_service_v2
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_response_mapper_v2"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func (s *QuotationServiceV2) singleResultFromRecord(record *model.PaymentQuoteRecord) (*QuotePaymentResult, error) {
+	if record == nil {
+		return nil, merrors.InvalidArgument("record is required")
+	}
+	if record.Quote == nil {
+		return nil, merrors.InvalidArgument("record quote is required")
+	}
+
+	status := statusFromStored(record.StatusV2)
+	mapped, err := s.deps.ResponseMapper.Map(quote_response_mapper_v2.MapInput{
+		Meta: quote_response_mapper_v2.QuoteMeta{
+			ID:        record.GetID().Hex(),
+			CreatedAt: record.CreatedAt,
+			UpdatedAt: record.UpdatedAt,
+		},
+		Quote:  canonicalFromSnapshot(record.Quote, record.ExpiresAt, s.deps.Now().UTC(), strings.TrimSpace(record.QuoteRef)),
+		Status: status,
+	})
+	if err != nil {
+		return nil, err
+	}
+	return &QuotePaymentResult{
+		Response: &quotationv2.QuotePaymentResponse{
+			Quote:          mapped.Quote,
+			IdempotencyKey: strings.TrimSpace(record.IdempotencyKey),
+		},
+		Record: record,
+	}, nil
+}
+
+func (s *QuotationServiceV2) batchResultFromRecord(record *model.PaymentQuoteRecord) (*QuotePaymentsResult, error) {
+	if record == nil {
+		return nil, merrors.InvalidArgument("record is required")
+	}
+	if len(record.Quotes) == 0 {
+		return nil, merrors.InvalidArgument("record quotes are required")
+	}
+
+	quotes := make([]*quotationv2.PaymentQuote, 0, len(record.Quotes))
+	for idx, snapshot := range record.Quotes {
+		var storedStatus *model.QuoteStatusV2
+		if idx < len(record.StatusesV2) {
+			storedStatus = record.StatusesV2[idx]
+		}
+		status := statusFromStored(storedStatus)
+
+		mapped, err := s.deps.ResponseMapper.Map(quote_response_mapper_v2.MapInput{
+			Meta: quote_response_mapper_v2.QuoteMeta{
+				ID:        record.GetID().Hex(),
+				CreatedAt: record.CreatedAt,
+				UpdatedAt: record.UpdatedAt,
+			},
+			Quote:  canonicalFromSnapshot(snapshot, record.ExpiresAt, s.deps.Now().UTC(), strings.TrimSpace(record.QuoteRef)),
+			Status: status,
+		})
+		if err != nil {
+			return nil, err
+		}
+		quotes = append(quotes, mapped.Quote)
+	}
+
+	return &QuotePaymentsResult{
+		Response: &quotationv2.QuotePaymentsResponse{
+			QuoteRef:       strings.TrimSpace(record.QuoteRef),
+			Quotes:         quotes,
+			IdempotencyKey: strings.TrimSpace(record.IdempotencyKey),
+		},
+		Record: record,
+	}, nil
+}

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

@@ -0,0 +1,180 @@
+package quotation_service_v2
+
+import (
+	"strings"
+
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func modelRouteFromProto(src *quotationv2.RouteSpecification) *paymenttypes.QuoteRouteSpecification {
+	if src == nil {
+		return nil
+	}
+	result := &paymenttypes.QuoteRouteSpecification{
+		Rail:              strings.TrimSpace(src.GetRail()),
+		Provider:          strings.TrimSpace(src.GetProvider()),
+		PayoutMethod:      strings.TrimSpace(src.GetPayoutMethod()),
+		SettlementAsset:   strings.ToUpper(strings.TrimSpace(src.GetSettlementAsset())),
+		SettlementModel:   strings.TrimSpace(src.GetSettlementModel()),
+		Network:           strings.TrimSpace(src.GetNetwork()),
+		RouteRef:          strings.TrimSpace(src.GetRouteRef()),
+		PricingProfileRef: strings.TrimSpace(src.GetPricingProfileRef()),
+	}
+	if hops := src.GetHops(); len(hops) > 0 {
+		result.Hops = make([]*paymenttypes.QuoteRouteHop, 0, len(hops))
+		for _, hop := range hops {
+			if hop == nil {
+				continue
+			}
+			result.Hops = append(result.Hops, &paymenttypes.QuoteRouteHop{
+				Index:      hop.GetIndex(),
+				Rail:       strings.TrimSpace(hop.GetRail()),
+				Gateway:    strings.TrimSpace(hop.GetGateway()),
+				InstanceID: strings.TrimSpace(hop.GetInstanceId()),
+				Network:    strings.TrimSpace(hop.GetNetwork()),
+				Role:       routeHopRoleFromProto(hop.GetRole()),
+			})
+		}
+		if len(result.Hops) == 0 {
+			result.Hops = nil
+		}
+	}
+	return result
+}
+
+func protoRouteFromModel(src *paymenttypes.QuoteRouteSpecification) *quotationv2.RouteSpecification {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.RouteSpecification{
+		Rail:              strings.TrimSpace(src.Rail),
+		Provider:          strings.TrimSpace(src.Provider),
+		PayoutMethod:      strings.TrimSpace(src.PayoutMethod),
+		SettlementAsset:   strings.ToUpper(strings.TrimSpace(src.SettlementAsset)),
+		SettlementModel:   strings.TrimSpace(src.SettlementModel),
+		Network:           strings.TrimSpace(src.Network),
+		RouteRef:          strings.TrimSpace(src.RouteRef),
+		PricingProfileRef: strings.TrimSpace(src.PricingProfileRef),
+	}
+	if len(src.Hops) > 0 {
+		result.Hops = make([]*quotationv2.RouteHop, 0, len(src.Hops))
+		for _, hop := range src.Hops {
+			if hop == nil {
+				continue
+			}
+			result.Hops = append(result.Hops, &quotationv2.RouteHop{
+				Index:      hop.Index,
+				Rail:       strings.TrimSpace(hop.Rail),
+				Gateway:    strings.TrimSpace(hop.Gateway),
+				InstanceId: strings.TrimSpace(hop.InstanceID),
+				Network:    strings.TrimSpace(hop.Network),
+				Role:       routeHopRoleToProto(hop.Role),
+			})
+		}
+		if len(result.Hops) == 0 {
+			result.Hops = nil
+		}
+	}
+	return result
+}
+
+func modelExecutionConditionsFromProto(src *quotationv2.ExecutionConditions) *paymenttypes.QuoteExecutionConditions {
+	if src == nil {
+		return nil
+	}
+	return &paymenttypes.QuoteExecutionConditions{
+		Readiness:                         readinessFromProto(src.GetReadiness()),
+		BatchingEligible:                  src.GetBatchingEligible(),
+		PrefundingRequired:                src.GetPrefundingRequired(),
+		PrefundingCostIncluded:            src.GetPrefundingCostIncluded(),
+		LiquidityCheckRequiredAtExecution: src.GetLiquidityCheckRequiredAtExecution(),
+		LatencyHint:                       strings.TrimSpace(src.GetLatencyHint()),
+		Assumptions:                       cloneStringSlice(src.GetAssumptions()),
+	}
+}
+
+func protoExecutionConditionsFromModel(src *paymenttypes.QuoteExecutionConditions) *quotationv2.ExecutionConditions {
+	if src == nil {
+		return nil
+	}
+	return &quotationv2.ExecutionConditions{
+		Readiness:                         readinessToProto(src.Readiness),
+		BatchingEligible:                  src.BatchingEligible,
+		PrefundingRequired:                src.PrefundingRequired,
+		PrefundingCostIncluded:            src.PrefundingCostIncluded,
+		LiquidityCheckRequiredAtExecution: src.LiquidityCheckRequiredAtExecution,
+		LatencyHint:                       strings.TrimSpace(src.LatencyHint),
+		Assumptions:                       cloneStringSlice(src.Assumptions),
+	}
+}
+
+func readinessFromProto(src quotationv2.QuoteExecutionReadiness) paymenttypes.QuoteExecutionReadiness {
+	switch src {
+	case quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY:
+		return paymenttypes.QuoteExecutionReadinessLiquidityReady
+	case quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_OBTAINABLE:
+		return paymenttypes.QuoteExecutionReadinessLiquidityObtainable
+	case quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_INDICATIVE:
+		return paymenttypes.QuoteExecutionReadinessIndicative
+	default:
+		return paymenttypes.QuoteExecutionReadinessUnspecified
+	}
+}
+
+func readinessToProto(src paymenttypes.QuoteExecutionReadiness) quotationv2.QuoteExecutionReadiness {
+	switch src {
+	case paymenttypes.QuoteExecutionReadinessLiquidityReady:
+		return quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY
+	case paymenttypes.QuoteExecutionReadinessLiquidityObtainable:
+		return quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_OBTAINABLE
+	case paymenttypes.QuoteExecutionReadinessIndicative:
+		return quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_INDICATIVE
+	default:
+		return quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_UNSPECIFIED
+	}
+}
+
+func cloneStringSlice(src []string) []string {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make([]string, 0, len(src))
+	for _, value := range src {
+		trimmed := strings.TrimSpace(value)
+		if trimmed == "" {
+			continue
+		}
+		result = append(result, trimmed)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func routeHopRoleFromProto(src quotationv2.RouteHopRole) paymenttypes.QuoteRouteHopRole {
+	switch src {
+	case quotationv2.RouteHopRole_ROUTE_HOP_ROLE_SOURCE:
+		return paymenttypes.QuoteRouteHopRoleSource
+	case quotationv2.RouteHopRole_ROUTE_HOP_ROLE_TRANSIT:
+		return paymenttypes.QuoteRouteHopRoleTransit
+	case quotationv2.RouteHopRole_ROUTE_HOP_ROLE_DESTINATION:
+		return paymenttypes.QuoteRouteHopRoleDestination
+	default:
+		return paymenttypes.QuoteRouteHopRoleUnspecified
+	}
+}
+
+func routeHopRoleToProto(src paymenttypes.QuoteRouteHopRole) quotationv2.RouteHopRole {
+	switch src {
+	case paymenttypes.QuoteRouteHopRoleSource:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_SOURCE
+	case paymenttypes.QuoteRouteHopRoleTransit:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_TRANSIT
+	case paymenttypes.QuoteRouteHopRoleDestination:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_DESTINATION
+	default:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_UNSPECIFIED
+	}
+}

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

@@ -0,0 +1,140 @@
+package quotation_service_v2
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/batch_quote_processor_v2"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_computation_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_executability_classifier"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_idempotency_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_persistence_service"
+	quote_request_validator_v2 "github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_request_validator"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_response_mapper_v2"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type Dependencies struct {
+	QuotesStore    quotestorage.QuotesStore
+	Validator      *quote_request_validator_v2.QuoteRequestValidatorV2
+	Hydrator       *transfer_intent_hydrator.TransferIntentHydrator
+	Idempotency    *quote_idempotency_service.QuoteIdempotencyService
+	Computation    *quote_computation_service.QuoteComputationService
+	Classifier     *quote_executability_classifier.QuoteExecutabilityClassifier
+	Persistence    *quote_persistence_service.QuotePersistenceService
+	ResponseMapper *quote_response_mapper_v2.QuoteResponseMapperV2
+	Now            func() time.Time
+	NewRef         func() string
+}
+
+type QuotationServiceV2 struct {
+	deps Dependencies
+	quotationv2.UnimplementedQuotationServiceServer
+}
+
+func New(deps Dependencies) *QuotationServiceV2 {
+	if deps.Validator == nil {
+		deps.Validator = quote_request_validator_v2.New()
+	}
+	if deps.Idempotency == nil {
+		deps.Idempotency = quote_idempotency_service.New()
+	}
+	if deps.Classifier == nil {
+		deps.Classifier = quote_executability_classifier.New()
+	}
+	if deps.Persistence == nil {
+		deps.Persistence = quote_persistence_service.New()
+	}
+	if deps.ResponseMapper == nil {
+		deps.ResponseMapper = quote_response_mapper_v2.New()
+	}
+	if deps.Now == nil {
+		deps.Now = time.Now
+	}
+	if deps.NewRef == nil {
+		deps.NewRef = func() string { return bson.NewObjectID().Hex() }
+	}
+	return &QuotationServiceV2{deps: deps}
+}
+
+func (s *QuotationServiceV2) QuotePayment(ctx context.Context, req *quotationv2.QuotePaymentRequest) (*quotationv2.QuotePaymentResponse, error) {
+	result, err := s.ProcessQuotePayment(ctx, req)
+	if err != nil {
+		return nil, err
+	}
+	return result.Response, nil
+}
+
+func (s *QuotationServiceV2) QuotePayments(ctx context.Context, req *quotationv2.QuotePaymentsRequest) (*quotationv2.QuotePaymentsResponse, error) {
+	result, err := s.ProcessQuotePayments(ctx, req)
+	if err != nil {
+		return nil, err
+	}
+	return result.Response, nil
+}
+
+func (s *QuotationServiceV2) validateDependencies() error {
+	if s == nil {
+		return merrors.InvalidArgument("service is required")
+	}
+	if s.deps.QuotesStore == nil {
+		return merrors.InvalidArgument("quotes store is required")
+	}
+	if s.deps.Validator == nil {
+		return merrors.InvalidArgument("validator is required")
+	}
+	if s.deps.Hydrator == nil {
+		return merrors.InvalidArgument("transfer intent hydrator is required")
+	}
+	if s.deps.Computation == nil {
+		return merrors.InvalidArgument("quote computation service is required")
+	}
+	if s.deps.Idempotency == nil {
+		return merrors.InvalidArgument("quote idempotency service is required")
+	}
+	if s.deps.Persistence == nil {
+		return merrors.InvalidArgument("quote persistence service is required")
+	}
+	if s.deps.ResponseMapper == nil {
+		return merrors.InvalidArgument("quote response mapper is required")
+	}
+	if s.deps.Classifier == nil {
+		return merrors.InvalidArgument("quote executability classifier is required")
+	}
+	if s.deps.Now == nil {
+		return merrors.InvalidArgument("now factory is required")
+	}
+	if s.deps.NewRef == nil {
+		return merrors.InvalidArgument("ref factory is required")
+	}
+	return nil
+}
+
+func quoteKindForPreview(previewOnly bool) quotationv2.QuoteKind {
+	if previewOnly {
+		return quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE
+	}
+	return quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE
+}
+
+func normalizeQuoteRef(value string) string {
+	return strings.TrimSpace(value)
+}
+
+func newBatchContext(ctx *quote_request_validator_v2.Context) batch_quote_processor_v2.BatchContext {
+	if ctx == nil {
+		return batch_quote_processor_v2.BatchContext{}
+	}
+	return batch_quote_processor_v2.BatchContext{
+		OrganizationRef:    strings.TrimSpace(ctx.OrganizationRef),
+		OrganizationID:     ctx.OrganizationID,
+		InitiatorRef:       strings.TrimSpace(ctx.InitiatorRef),
+		PreviewOnly:        ctx.PreviewOnly,
+		BaseIdempotencyKey: strings.TrimSpace(ctx.IdempotencyKey),
+	}
+}

api/payments/quotation/internal/service/quotation/quotation_service_v2/service_e2e_test.go

@@ -0,0 +1,718 @@
+package quotation_service_v2
+
+import (
+	"context"
+	"fmt"
+	"strings"
+	"testing"
+	"time"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_computation_service"
+	"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"
+	"github.com/tech/sendico/pkg/merrors"
+	pkgmodel "github.com/tech/sendico/pkg/model"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	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"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"google.golang.org/protobuf/encoding/protojson"
+	"google.golang.org/protobuf/proto"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func TestQuotePayment_USDTToRUB_EndToEnd(t *testing.T) {
+	now := time.Unix(1_700_000_000, 0).UTC()
+	orgID := bson.NewObjectID()
+
+	store := newInMemoryQuotesStore()
+	core := &fakeQuoteCore{now: now}
+	svc := New(Dependencies{
+		QuotesStore: store,
+		Hydrator: transfer_intent_hydrator.New(nil, transfer_intent_hydrator.WithRefFactory(func() string {
+			return "q-intent-single"
+		})),
+		Computation: quote_computation_service.New(core),
+		Now:         func() time.Time { return now },
+		NewRef:      func() string { return "quote-single-usdt-rub" },
+	})
+
+	req := &quotationv2.QuotePaymentRequest{
+		Meta: &sharedv1.RequestMeta{
+			OrganizationRef: orgID.Hex(),
+		},
+		IdempotencyKey: "idem-single-usdt-rub",
+		InitiatorRef:   "initiator-42",
+		PreviewOnly:    false,
+		Intent:         makeTransferIntent(t, "100", "USDT", "wallet-usdt-source", "4111111111111111", "RU"),
+	}
+
+	result, err := svc.ProcessQuotePayment(context.Background(), req)
+	if err != nil {
+		t.Fatalf("ProcessQuotePayment returned error: %v", err)
+	}
+	if result == nil || result.Response == nil || result.Response.GetQuote() == nil {
+		t.Fatalf("expected quote response")
+	}
+	quote := result.Response.GetQuote()
+
+	if got, want := quote.GetQuoteRef(), "quote-single-usdt-rub"; got != want {
+		t.Fatalf("unexpected quote_ref: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetKind(), quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE; got != want {
+		t.Fatalf("unexpected kind: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := quote.GetLifecycle(), quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE; got != want {
+		t.Fatalf("unexpected lifecycle: got=%s want=%s", got.String(), want.String())
+	}
+	if !quote.GetExecutable() {
+		t.Fatalf("expected executable=true")
+	}
+	if got, want := quote.GetDebitAmount().GetAmount(), "100"; got != want {
+		t.Fatalf("unexpected debit amount: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetDebitAmount().GetCurrency(), "USDT"; got != want {
+		t.Fatalf("unexpected debit currency: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetCreditAmount().GetAmount(), "9150"; got != want {
+		t.Fatalf("unexpected credit amount: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetCreditAmount().GetCurrency(), "RUB"; got != want {
+		t.Fatalf("unexpected credit currency: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetTotalCost().GetAmount(), "101.8"; got != want {
+		t.Fatalf("unexpected total_cost amount: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetTotalCost().GetCurrency(), "USDT"; got != want {
+		t.Fatalf("unexpected total_cost currency: got=%q want=%q", got, want)
+	}
+	if got, want := len(quote.GetFeeLines()), 2; got != want {
+		t.Fatalf("unexpected fee lines count: got=%d want=%d", got, want)
+	}
+	if got, want := quote.GetFeeLines()[0].GetLineType(), accountingv1.PostingLineType_POSTING_LINE_FEE; got != want {
+		t.Fatalf("unexpected first fee line type: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := len(quote.GetFeeRules()), 1; got != want {
+		t.Fatalf("unexpected fee rules count: got=%d want=%d", got, want)
+	}
+	if got := strings.TrimSpace(quote.GetFeeRules()[0].GetRuleId()); got == "" || !strings.Contains(got, "fee_") {
+		t.Fatalf("expected route-bound fee rule id, got=%q", got)
+	}
+	if quote.GetFxQuote() == nil {
+		t.Fatalf("expected fx quote")
+	}
+	if got, want := quote.GetFxQuote().GetPair().GetBase(), "USDT"; got != want {
+		t.Fatalf("unexpected fx base: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetFxQuote().GetPair().GetQuote(), "RUB"; got != want {
+		t.Fatalf("unexpected fx quote currency: got=%q want=%q", got, want)
+	}
+	if quote.GetRoute() == nil {
+		t.Fatalf("expected route specification")
+	}
+	if got, want := quote.GetRoute().GetRail(), "CARD_PAYOUT"; got != want {
+		t.Fatalf("unexpected route rail: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetRoute().GetProvider(), "monetix"; got != want {
+		t.Fatalf("unexpected route provider: got=%q want=%q", got, want)
+	}
+	if got := strings.TrimSpace(quote.GetRoute().GetRouteRef()); got == "" {
+		t.Fatalf("expected route_ref")
+	}
+	if got := strings.TrimSpace(quote.GetRoute().GetPricingProfileRef()); got == "" {
+		t.Fatalf("expected pricing_profile_ref")
+	}
+	if got, want := len(quote.GetRoute().GetHops()), 3; got != want {
+		t.Fatalf("unexpected route hops count: got=%d want=%d", got, want)
+	}
+	if quote.GetExecutionConditions() == nil {
+		t.Fatalf("expected execution conditions")
+	}
+	if got, want := quote.GetExecutionConditions().GetReadiness(), quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY; got != want {
+		t.Fatalf("unexpected readiness: got=%s want=%s", got.String(), want.String())
+	}
+	if quote.GetExecutionConditions().GetPrefundingRequired() {
+		t.Fatalf("expected prefunding_required=false")
+	}
+
+	// Verify that idempotent reuse keeps full quote payload (including fee lines/rules).
+	reused, err := svc.ProcessQuotePayment(context.Background(), req)
+	if err != nil {
+		t.Fatalf("idempotent ProcessQuotePayment returned error: %v", err)
+	}
+	if reused == nil || reused.Response == nil || reused.Response.GetQuote() == nil {
+		t.Fatalf("expected idempotent quote response")
+	}
+	if got, want := len(reused.Response.GetQuote().GetFeeLines()), 2; got != want {
+		t.Fatalf("unexpected idempotent fee lines count: got=%d want=%d", got, want)
+	}
+	if got, want := len(reused.Response.GetQuote().GetFeeRules()), 1; got != want {
+		t.Fatalf("unexpected idempotent fee rules count: got=%d want=%d", got, want)
+	}
+	if got, want := reused.Response.GetQuote().GetRoute().GetProvider(), "monetix"; got != want {
+		t.Fatalf("unexpected idempotent route provider: got=%q want=%q", got, want)
+	}
+
+	t.Logf("single request:\n%s", mustProtoJSON(t, req))
+	t.Logf("single response:\n%s", mustProtoJSON(t, result.Response))
+}
+
+func TestQuotePayments_USDTToRUB_ThreeItems_EndToEnd(t *testing.T) {
+	now := time.Unix(1_700_000_000, 0).UTC()
+	orgID := bson.NewObjectID()
+
+	store := newInMemoryQuotesStore()
+	core := &fakeQuoteCore{now: now}
+	svc := New(Dependencies{
+		QuotesStore: store,
+		Hydrator: transfer_intent_hydrator.New(nil, transfer_intent_hydrator.WithRefFactory(func() string {
+			return fmt.Sprintf("q-intent-%d", time.Now().UnixNano())
+		})),
+		Computation: quote_computation_service.New(core),
+		Now:         func() time.Time { return now },
+		NewRef:      func() string { return "quote-batch-usdt-rub" },
+	})
+
+	req := &quotationv2.QuotePaymentsRequest{
+		Meta: &sharedv1.RequestMeta{
+			OrganizationRef: orgID.Hex(),
+		},
+		IdempotencyKey: "idem-batch-usdt-rub",
+		InitiatorRef:   "initiator-42",
+		PreviewOnly:    false,
+		Intents: []*transferv1.TransferIntent{
+			makeTransferIntent(t, "100", "USDT", "wallet-usdt-source", "4111111111111111", "RU"),
+			makeTransferIntent(t, "125", "USDT", "wallet-usdt-source", "4222222222222222", "RU"),
+			makeTransferIntent(t, "80", "USDT", "wallet-usdt-source", "4333333333333333", "RU"),
+		},
+	}
+
+	result, err := svc.ProcessQuotePayments(context.Background(), req)
+	if err != nil {
+		t.Fatalf("ProcessQuotePayments returned error: %v", err)
+	}
+	if result == nil || result.Response == nil {
+		t.Fatalf("expected batch response")
+	}
+
+	if got, want := result.Response.GetQuoteRef(), "quote-batch-usdt-rub"; got != want {
+		t.Fatalf("unexpected batch quote_ref: got=%q want=%q", got, want)
+	}
+	if got, want := len(result.Response.GetQuotes()), 3; got != want {
+		t.Fatalf("unexpected quote count: got=%d want=%d", got, want)
+	}
+
+	for i, quote := range result.Response.GetQuotes() {
+		if quote == nil {
+			t.Fatalf("quote[%d] is nil", i)
+		}
+		if quote.GetQuoteRef() != "quote-batch-usdt-rub" {
+			t.Fatalf("unexpected quote_ref for item %d: %q", i, quote.GetQuoteRef())
+		}
+		if !quote.GetExecutable() {
+			t.Fatalf("expected executable quote for item %d", i)
+		}
+		if quote.GetDebitAmount().GetCurrency() != "USDT" {
+			t.Fatalf("unexpected debit currency for item %d: %q", i, quote.GetDebitAmount().GetCurrency())
+		}
+		if quote.GetCreditAmount().GetCurrency() != "RUB" {
+			t.Fatalf("unexpected credit currency for item %d: %q", i, quote.GetCreditAmount().GetCurrency())
+		}
+		if quote.GetRoute() == nil {
+			t.Fatalf("expected route for item %d", i)
+		}
+		if got, want := quote.GetRoute().GetRail(), "CARD_PAYOUT"; got != want {
+			t.Fatalf("unexpected route rail for item %d: got=%q want=%q", i, got, want)
+		}
+		if got := strings.TrimSpace(quote.GetRoute().GetRouteRef()); got == "" {
+			t.Fatalf("expected route_ref for item %d", i)
+		}
+		if got := strings.TrimSpace(quote.GetRoute().GetPricingProfileRef()); got == "" {
+			t.Fatalf("expected pricing_profile_ref for item %d", i)
+		}
+		if got, want := len(quote.GetRoute().GetHops()), 3; got != want {
+			t.Fatalf("unexpected route hops count for item %d: got=%d want=%d", i, got, want)
+		}
+		if quote.GetExecutionConditions() == nil {
+			t.Fatalf("expected execution conditions for item %d", i)
+		}
+		if got, want := quote.GetExecutionConditions().GetReadiness(), quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY; got != want {
+			t.Fatalf("unexpected readiness for item %d: got=%s want=%s", i, got.String(), want.String())
+		}
+		if got, want := len(quote.GetFeeLines()), 2; got != want {
+			t.Fatalf("unexpected fee lines count for item %d: got=%d want=%d", i, got, want)
+		}
+		if got, want := len(quote.GetFeeRules()), 1; got != want {
+			t.Fatalf("unexpected fee rules count for item %d: got=%d want=%d", i, got, want)
+		}
+	}
+
+	if got, want := core.quoteRequestIdempotencyKeys, []string{
+		"idem-batch-usdt-rub:1",
+		"idem-batch-usdt-rub:2",
+		"idem-batch-usdt-rub:3",
+	}; !equalStrings(got, want) {
+		t.Fatalf("unexpected per-item idempotency keys: got=%v want=%v", got, want)
+	}
+
+	t.Logf("batch request:\n%s", mustProtoJSON(t, req))
+	t.Logf("batch response:\n%s", mustProtoJSON(t, result.Response))
+}
+
+func TestQuotePayment_SelectsEligibleGatewaysAndIgnoresIrrelevant(t *testing.T) {
+	now := time.Unix(1_700_000_000, 0).UTC()
+	orgID := bson.NewObjectID()
+
+	store := newInMemoryQuotesStore()
+	core := &fakeQuoteCore{now: now}
+	svc := New(Dependencies{
+		QuotesStore: store,
+		Hydrator: transfer_intent_hydrator.New(nil, transfer_intent_hydrator.WithRefFactory(func() string {
+			return "q-intent-topology"
+		})),
+		Computation: quote_computation_service.New(
+			core,
+			quote_computation_service.WithGatewayRegistry(staticGatewayRegistryForE2E{
+				items: []*model.GatewayInstanceDescriptor{
+					{
+						ID:         "crypto-disabled",
+						InstanceID: "crypto-disabled",
+						Rail:       model.RailCrypto,
+						Network:    "TRON",
+						Currencies: []string{"USDT"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: false,
+					},
+					{
+						ID:         "crypto-network-mismatch",
+						InstanceID: "crypto-network-mismatch",
+						Rail:       model.RailCrypto,
+						Network:    "ETH",
+						Currencies: []string{"USDT"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: true,
+					},
+					{
+						ID:         "crypto-currency-mismatch",
+						InstanceID: "crypto-currency-mismatch",
+						Rail:       model.RailCrypto,
+						Network:    "TRON",
+						Currencies: []string{"EUR"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: true,
+					},
+					{
+						ID:         "crypto-gw-1",
+						InstanceID: "crypto-gw-1",
+						Rail:       model.RailCrypto,
+						Network:    "TRON",
+						Currencies: []string{"USDT"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: true,
+					},
+					{
+						ID:         "payout-disabled",
+						InstanceID: "payout-disabled",
+						Rail:       model.RailCardPayout,
+						Currencies: []string{"USDT"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: false,
+					},
+					{
+						ID:         "payout-currency-mismatch",
+						InstanceID: "payout-currency-mismatch",
+						Rail:       model.RailCardPayout,
+						Currencies: []string{"EUR"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: true,
+					},
+					{
+						ID:         "payout-gw-1",
+						InstanceID: "payout-gw-1",
+						Rail:       model.RailCardPayout,
+						Currencies: []string{"USDT"},
+						Capabilities: model.RailCapabilities{
+							CanPayOut: true,
+						},
+						IsEnabled: true,
+					},
+				},
+			}),
+		),
+		Now:    func() time.Time { return now },
+		NewRef: func() string { return "quote-topology-usdt-rub" },
+	})
+
+	req := &quotationv2.QuotePaymentRequest{
+		Meta: &sharedv1.RequestMeta{
+			OrganizationRef: orgID.Hex(),
+		},
+		IdempotencyKey: "idem-topology-usdt-rub",
+		InitiatorRef:   "initiator-42",
+		PreviewOnly:    false,
+		Intent:         makeTransferIntent(t, "100", "USDT", "wallet-usdt-source", "4111111111111111", "RU"),
+	}
+
+	result, err := svc.ProcessQuotePayment(context.Background(), req)
+	if err != nil {
+		t.Fatalf("ProcessQuotePayment returned error: %v", err)
+	}
+	if result == nil || result.Response == nil || result.Response.GetQuote() == nil {
+		t.Fatalf("expected quote response")
+	}
+	quote := result.Response.GetQuote()
+	if quote.GetRoute() == nil {
+		t.Fatalf("expected route")
+	}
+	if got, want := quote.GetRoute().GetProvider(), "payout-gw-1"; got != want {
+		t.Fatalf("unexpected selected provider: got=%q want=%q", got, want)
+	}
+	if got, want := len(quote.GetRoute().GetHops()), 3; got != want {
+		t.Fatalf("unexpected hops count: got=%d want=%d", got, want)
+	}
+	if got, want := quote.GetRoute().GetHops()[0].GetGateway(), "crypto-gw-1"; got != want {
+		t.Fatalf("unexpected source hop gateway: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetRoute().GetHops()[1].GetGateway(), "internal"; got != want {
+		t.Fatalf("unexpected bridge hop gateway: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetRoute().GetHops()[2].GetGateway(), "payout-gw-1"; got != want {
+		t.Fatalf("unexpected destination hop gateway: got=%q want=%q", got, want)
+	}
+	if got, want := quote.GetTotalCost().GetAmount(), "102.4"; got != want {
+		t.Fatalf("unexpected total_cost amount: got=%q want=%q", got, want)
+	}
+}
+
+func makeTransferIntent(
+	t *testing.T,
+	amount string,
+	currency string,
+	sourceWalletID string,
+	destinationPAN string,
+	destinationCountry string,
+) *transferv1.TransferIntent {
+	t.Helper()
+
+	walletData, err := bson.Marshal(pkgmodel.WalletPaymentData{WalletID: sourceWalletID})
+	if err != nil {
+		t.Fatalf("failed to marshal wallet method data: %v", err)
+	}
+	cardData, err := bson.Marshal(pkgmodel.CardPaymentData{
+		Pan:       destinationPAN,
+		FirstName: "Ivan",
+		LastName:  "Petrov",
+		ExpMonth:  "12",
+		ExpYear:   "2032",
+		Country:   destinationCountry,
+	})
+	if err != nil {
+		t.Fatalf("failed to marshal card method data: %v", err)
+	}
+
+	return &transferv1.TransferIntent{
+		Source: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+					Data: walletData,
+				},
+			},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD,
+					Data: cardData,
+				},
+			},
+		},
+		Amount: &moneyv1.Money{Amount: amount, Currency: currency},
+	}
+}
+
+func mustProtoJSON(t *testing.T, msg proto.Message) string {
+	t.Helper()
+	payload, err := protojson.MarshalOptions{Multiline: true, Indent: "  "}.Marshal(msg)
+	if err != nil {
+		t.Fatalf("failed to marshal proto json: %v", err)
+	}
+	return string(payload)
+}
+
+type fakeQuoteCore struct {
+	now time.Time
+
+	quoteRequestIdempotencyKeys []string
+}
+
+func (f *fakeQuoteCore) BuildQuote(_ context.Context, in quote_computation_service.BuildQuoteInput) (*quote_computation_service.ComputedQuote, time.Time, error) {
+	if strings.TrimSpace(in.IdempotencyKey) != "" {
+		f.quoteRequestIdempotencyKeys = append(f.quoteRequestIdempotencyKeys, strings.TrimSpace(in.IdempotencyKey))
+	}
+	if in.Route == nil {
+		return nil, time.Time{}, fmt.Errorf("selected route is required for route-bound quote pricing")
+	}
+	if in.ExecutionConditions == nil {
+		return nil, time.Time{}, fmt.Errorf("execution conditions are required for route-bound quote pricing")
+	}
+	if strings.TrimSpace(in.Route.GetRouteRef()) == "" {
+		return nil, time.Time{}, fmt.Errorf("route_ref is required for route-bound quote pricing")
+	}
+	if strings.TrimSpace(in.Route.GetPricingProfileRef()) == "" {
+		return nil, time.Time{}, fmt.Errorf("pricing_profile_ref is required for route-bound quote pricing")
+	}
+	if len(in.Route.GetHops()) == 0 {
+		return nil, time.Time{}, fmt.Errorf("route hops are required for route-bound quote pricing")
+	}
+
+	baseAmount := decimal.RequireFromString(in.Intent.Amount.GetAmount())
+	rate := decimal.RequireFromString("91.5")
+	quoteAmount := baseAmount.Mul(rate)
+	feeAmount := decimal.RequireFromString("1.50")
+	taxAmount := decimal.RequireFromString("0.30")
+	if routeFeeClass(in.Route) != "card_payout:3_hops:monetix" {
+		feeAmount = decimal.RequireFromString("2.00")
+		taxAmount = decimal.RequireFromString("0.40")
+	}
+
+	quote := &quote_computation_service.ComputedQuote{
+		DebitAmount: &moneyv1.Money{
+			Amount:   baseAmount.String(),
+			Currency: "USDT",
+		},
+		CreditAmount: &moneyv1.Money{
+			Amount:   quoteAmount.String(),
+			Currency: "RUB",
+		},
+		FeeLines: []*feesv1.DerivedPostingLine{
+			{
+				LedgerAccountRef: "ledger:fees:usdt",
+				Money:            &moneyv1.Money{Amount: feeAmount.StringFixed(2), Currency: "USDT"},
+				LineType:         accountingv1.PostingLineType_POSTING_LINE_FEE,
+				Side:             accountingv1.EntrySide_ENTRY_SIDE_DEBIT,
+				Meta: map[string]string{
+					"component": "platform_fee",
+					"provider":  strings.TrimSpace(in.Route.GetProvider()),
+				},
+			},
+			{
+				LedgerAccountRef: "ledger:tax:usdt",
+				Money:            &moneyv1.Money{Amount: taxAmount.StringFixed(2), Currency: "USDT"},
+				LineType:         accountingv1.PostingLineType_POSTING_LINE_TAX,
+				Side:             accountingv1.EntrySide_ENTRY_SIDE_DEBIT,
+				Meta: map[string]string{
+					"component": "vat",
+					"provider":  strings.TrimSpace(in.Route.GetProvider()),
+				},
+			},
+		},
+		FeeRules: []*feesv1.AppliedRule{
+			{
+				RuleId:      "rule.platform.usdt." + strings.TrimSpace(in.Route.GetPricingProfileRef()),
+				RuleVersion: "2026-02-01",
+				Formula:     "flat(1.50)+tax(0.30)",
+				Rounding:    moneyv1.RoundingMode_ROUND_HALF_UP,
+				TaxCode:     "VAT",
+				TaxRate:     "0.20",
+				Parameters: map[string]string{
+					"country": "RU",
+				},
+			},
+		},
+		Route:               cloneRouteSpecForTest(in.Route),
+		ExecutionConditions: cloneExecutionConditionsForTest(in.ExecutionConditions),
+		FXQuote: &oraclev1.Quote{
+			QuoteRef: "fx-usdt-rub",
+			Pair: &fxv1.CurrencyPair{
+				Base:  "USDT",
+				Quote: "RUB",
+			},
+			Side:            fxv1.Side_BUY_BASE_SELL_QUOTE,
+			Price:           &moneyv1.Decimal{Value: rate.String()},
+			BaseAmount:      &moneyv1.Money{Amount: baseAmount.String(), Currency: "USDT"},
+			QuoteAmount:     &moneyv1.Money{Amount: quoteAmount.String(), Currency: "RUB"},
+			ExpiresAtUnixMs: f.now.Add(5 * time.Minute).UnixMilli(),
+			Provider:        "test-oracle",
+			RateRef:         "rate-usdt-rub",
+			Firm:            true,
+			PricedAt:        timestamppb.New(f.now),
+		},
+	}
+	return quote, f.now.Add(5 * time.Minute), nil
+}
+
+func cloneRouteSpecForTest(src *quotationv2.RouteSpecification) *quotationv2.RouteSpecification {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.RouteSpecification{
+		Rail:              strings.TrimSpace(src.GetRail()),
+		Provider:          strings.TrimSpace(src.GetProvider()),
+		PayoutMethod:      strings.TrimSpace(src.GetPayoutMethod()),
+		SettlementAsset:   strings.ToUpper(strings.TrimSpace(src.GetSettlementAsset())),
+		SettlementModel:   strings.TrimSpace(src.GetSettlementModel()),
+		Network:           strings.TrimSpace(src.GetNetwork()),
+		RouteRef:          strings.TrimSpace(src.GetRouteRef()),
+		PricingProfileRef: strings.TrimSpace(src.GetPricingProfileRef()),
+	}
+	if hops := src.GetHops(); len(hops) > 0 {
+		result.Hops = make([]*quotationv2.RouteHop, 0, len(hops))
+		for _, hop := range hops {
+			if hop == nil {
+				continue
+			}
+			result.Hops = append(result.Hops, &quotationv2.RouteHop{
+				Index:      hop.GetIndex(),
+				Rail:       strings.TrimSpace(hop.GetRail()),
+				Gateway:    strings.TrimSpace(hop.GetGateway()),
+				InstanceId: strings.TrimSpace(hop.GetInstanceId()),
+				Network:    strings.TrimSpace(hop.GetNetwork()),
+				Role:       hop.GetRole(),
+			})
+		}
+		if len(result.Hops) == 0 {
+			result.Hops = nil
+		}
+	}
+	return result
+}
+
+func cloneExecutionConditionsForTest(src *quotationv2.ExecutionConditions) *quotationv2.ExecutionConditions {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.ExecutionConditions{
+		Readiness:                         src.GetReadiness(),
+		BatchingEligible:                  src.GetBatchingEligible(),
+		PrefundingRequired:                src.GetPrefundingRequired(),
+		PrefundingCostIncluded:            src.GetPrefundingCostIncluded(),
+		LiquidityCheckRequiredAtExecution: src.GetLiquidityCheckRequiredAtExecution(),
+		LatencyHint:                       strings.TrimSpace(src.GetLatencyHint()),
+	}
+	if assumptions := src.GetAssumptions(); len(assumptions) > 0 {
+		result.Assumptions = make([]string, 0, len(assumptions))
+		for _, assumption := range assumptions {
+			trimmed := strings.TrimSpace(assumption)
+			if trimmed == "" {
+				continue
+			}
+			result.Assumptions = append(result.Assumptions, trimmed)
+		}
+		if len(result.Assumptions) == 0 {
+			result.Assumptions = nil
+		}
+	}
+	return result
+}
+
+func routeFeeClass(route *quotationv2.RouteSpecification) string {
+	if route == nil {
+		return ""
+	}
+	hops := route.GetHops()
+	destGateway := ""
+	if n := len(hops); n > 0 && hops[n-1] != nil {
+		destGateway = strings.ToLower(strings.TrimSpace(hops[n-1].GetGateway()))
+	}
+	return strings.ToLower(strings.TrimSpace(route.GetRail())) +
+		":" + fmt.Sprintf("%d_hops", len(hops)) +
+		":" + destGateway
+}
+
+type inMemoryQuotesStore struct {
+	byRef map[string]*model.PaymentQuoteRecord
+	byKey map[string]*model.PaymentQuoteRecord
+}
+
+type staticGatewayRegistryForE2E struct {
+	items []*model.GatewayInstanceDescriptor
+}
+
+func (r staticGatewayRegistryForE2E) List(context.Context) ([]*model.GatewayInstanceDescriptor, error) {
+	if len(r.items) == 0 {
+		return nil, nil
+	}
+	out := make([]*model.GatewayInstanceDescriptor, 0, len(r.items))
+	for _, item := range r.items {
+		if item == nil {
+			continue
+		}
+		cloned := *item
+		if item.Currencies != nil {
+			cloned.Currencies = append([]string(nil), item.Currencies...)
+		}
+		out = append(out, &cloned)
+	}
+	return out, nil
+}
+
+func newInMemoryQuotesStore() *inMemoryQuotesStore {
+	return &inMemoryQuotesStore{
+		byRef: map[string]*model.PaymentQuoteRecord{},
+		byKey: map[string]*model.PaymentQuoteRecord{},
+	}
+}
+
+func (s *inMemoryQuotesStore) Create(_ context.Context, quote *model.PaymentQuoteRecord) error {
+	if quote == nil {
+		return merrors.InvalidArgument("quote is required")
+	}
+	if _, exists := s.byRef[quote.QuoteRef]; exists {
+		return quotestorage.ErrDuplicateQuote
+	}
+	if _, exists := s.byKey[quote.IdempotencyKey]; exists {
+		return quotestorage.ErrDuplicateQuote
+	}
+	s.byRef[quote.QuoteRef] = quote
+	s.byKey[quote.IdempotencyKey] = quote
+	return nil
+}
+
+func (s *inMemoryQuotesStore) GetByRef(_ context.Context, orgRef bson.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error) {
+	record, ok := s.byRef[strings.TrimSpace(quoteRef)]
+	if !ok || record == nil || record.GetOrganizationRef() != orgRef {
+		return nil, quotestorage.ErrQuoteNotFound
+	}
+	return record, nil
+}
+
+func (s *inMemoryQuotesStore) GetByIdempotencyKey(_ context.Context, orgRef bson.ObjectID, idempotencyKey string) (*model.PaymentQuoteRecord, error) {
+	record, ok := s.byKey[strings.TrimSpace(idempotencyKey)]
+	if !ok || record == nil || record.GetOrganizationRef() != orgRef {
+		return nil, quotestorage.ErrQuoteNotFound
+	}
+	return record, nil
+}
+
+func equalStrings(got, want []string) bool {
+	if len(got) != len(want) {
+		return false
+	}
+	for i := range got {
+		if got[i] != want[i] {
+			return false
+		}
+	}
+	return true
+}

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

@@ -0,0 +1,182 @@
+package quotation_service_v2
+
+import (
+	"context"
+	"sort"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/batch_quote_processor_v2"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_computation_service"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_executability_classifier"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/quote_response_mapper_v2"
+	"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"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+type itemProcessDetail struct {
+	Index     int
+	Intent    model.PaymentIntent
+	Quote     *quote_computation_service.ComputedQuote
+	ExpiresAt time.Time
+	Status    quote_response_mapper_v2.QuoteStatus
+}
+
+type itemCollector struct {
+	items map[int]*itemProcessDetail
+}
+
+func newItemCollector() *itemCollector {
+	return &itemCollector{items: make(map[int]*itemProcessDetail)}
+}
+
+func (c *itemCollector) Add(detail *itemProcessDetail) {
+	if c == nil || detail == nil {
+		return
+	}
+	c.items[detail.Index] = detail
+}
+
+func (c *itemCollector) Get(index int) (*itemProcessDetail, bool) {
+	if c == nil {
+		return nil, false
+	}
+	detail, ok := c.items[index]
+	return detail, ok
+}
+
+func (c *itemCollector) Ordered(count int) []*itemProcessDetail {
+	if c == nil || count <= 0 {
+		return nil
+	}
+	ordered := make([]*itemProcessDetail, 0, count)
+	indices := make([]int, 0, len(c.items))
+	for idx := range c.items {
+		indices = append(indices, idx)
+	}
+	sort.Ints(indices)
+	for _, idx := range indices {
+		ordered = append(ordered, c.items[idx])
+	}
+	return ordered
+}
+
+type singleIntentProcessorV2 struct {
+	computation *quote_computation_service.QuoteComputationService
+	classifier  *quote_executability_classifier.QuoteExecutabilityClassifier
+	mapper      *quote_response_mapper_v2.QuoteResponseMapperV2
+
+	quoteRef  string
+	pricedAt  time.Time
+	collector *itemCollector
+}
+
+func newSingleIntentProcessorV2(
+	computation *quote_computation_service.QuoteComputationService,
+	classifier *quote_executability_classifier.QuoteExecutabilityClassifier,
+	mapper *quote_response_mapper_v2.QuoteResponseMapperV2,
+	quoteRef string,
+	pricedAt time.Time,
+	collector *itemCollector,
+) *singleIntentProcessorV2 {
+	return &singleIntentProcessorV2{
+		computation: computation,
+		classifier:  classifier,
+		mapper:      mapper,
+		quoteRef:    quoteRef,
+		pricedAt:    pricedAt,
+		collector:   collector,
+	}
+}
+
+func (p *singleIntentProcessorV2) Process(
+	ctx context.Context,
+	in batch_quote_processor_v2.SingleProcessInput,
+) (*batch_quote_processor_v2.SingleProcessOutput, error) {
+
+	if p == nil || p.computation == nil {
+		return nil, merrors.InvalidArgument("quote computation service is required")
+	}
+	if p.classifier == nil {
+		return nil, merrors.InvalidArgument("quote executability classifier is required")
+	}
+	if p.mapper == nil {
+		return nil, merrors.InvalidArgument("quote response mapper is required")
+	}
+	if in.Item.Intent == nil {
+		return nil, merrors.InvalidArgument("intent is required")
+	}
+
+	computed, err := p.computation.Compute(ctx, quote_computation_service.ComputeInput{
+		OrganizationRef:    in.Context.OrganizationRef,
+		OrganizationID:     in.Context.OrganizationID,
+		BaseIdempotencyKey: in.Item.IdempotencyKey,
+		PreviewOnly:        in.Context.PreviewOnly,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{in.Item.Intent},
+	})
+	if err != nil {
+		return nil, err
+	}
+	if computed == nil || computed.Plan == nil || len(computed.Results) != 1 || len(computed.Plan.Items) != 1 {
+		return nil, merrors.InvalidArgument("invalid computation output for single item")
+	}
+
+	result := computed.Results[0]
+	planItem := computed.Plan.Items[0]
+	if result == nil || planItem == nil || result.Quote == nil || planItem.Intent.Amount == nil {
+		return nil, merrors.InvalidArgument("incomplete computation output")
+	}
+
+	kind := quoteKindForPreview(in.Context.PreviewOnly)
+	lifecycle := quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE
+	execution := p.classifier.BuildExecutionStatus(kind, lifecycle, result.BlockReason)
+	status := quote_response_mapper_v2.QuoteStatus{
+		Kind:      kind,
+		Lifecycle: lifecycle,
+	}
+	if execution.IsSet() {
+		if execution.IsExecutable() {
+			status.Executable = boolPtr(true)
+		} else {
+			status.BlockReason = execution.BlockReason()
+		}
+	}
+
+	canonical := quote_response_mapper_v2.CanonicalQuote{
+		QuoteRef:     p.quoteRef,
+		DebitAmount:  cloneProtoMoney(result.Quote.DebitAmount),
+		CreditAmount: cloneProtoMoney(result.Quote.CreditAmount),
+		TotalCost:    cloneProtoMoney(result.Quote.TotalCost),
+		FeeLines:     result.Quote.FeeLines,
+		FeeRules:     result.Quote.FeeRules,
+		FXQuote:      result.Quote.FXQuote,
+		Route:        result.Quote.Route,
+		Conditions:   result.Quote.ExecutionConditions,
+		ExpiresAt:    result.ExpiresAt,
+		PricedAt:     p.pricedAt,
+	}
+
+	mapped, mapErr := p.mapper.Map(quote_response_mapper_v2.MapInput{
+		Quote:  canonical,
+		Status: status,
+	})
+	if mapErr != nil {
+		return nil, mapErr
+	}
+	if mapped == nil || mapped.Quote == nil {
+		return nil, merrors.InvalidArgument("mapped quote is required")
+	}
+
+	p.collector.Add(&itemProcessDetail{
+		Index:     in.Item.Index,
+		Intent:    planItem.Intent,
+		Quote:     result.Quote,
+		ExpiresAt: result.ExpiresAt,
+		Status:    status,
+	})
+
+	return &batch_quote_processor_v2.SingleProcessOutput{
+		Quote: mapped.Quote,
+	}, nil
+}

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

@@ -0,0 +1,62 @@
+package quote_computation_service
+
+import (
+	"context"
+	"fmt"
+
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+func (s *QuoteComputationService) Compute(ctx context.Context, in ComputeInput) (*ComputeOutput, error) {
+	if s == nil || s.core == nil {
+		return nil, merrors.InvalidArgument("quote computation core is required")
+	}
+
+	planModel, err := s.BuildPlan(ctx, in)
+	if err != nil {
+		return nil, err
+	}
+
+	results := make([]*QuoteComputationResult, 0, len(planModel.Items))
+	for _, item := range planModel.Items {
+		computed, computeErr := s.computePlanItem(ctx, item)
+		if computeErr != nil {
+			if item == nil {
+				return nil, computeErr
+			}
+			return nil, fmt.Errorf("Item %d: %w", item.Index, computeErr)
+		}
+		results = append(results, computed)
+	}
+
+	return &ComputeOutput{
+		Plan:    planModel,
+		Results: results,
+	}, nil
+}
+
+func (s *QuoteComputationService) computePlanItem(
+	ctx context.Context,
+	item *QuoteComputationPlanItem,
+) (*QuoteComputationResult, error) {
+	if item == nil || item.QuoteInput.Intent.Amount == nil {
+		return nil, merrors.InvalidArgument("plan item is required")
+	}
+
+	quote, expiresAt, err := s.core.BuildQuote(ctx, item.QuoteInput)
+	if err != nil {
+		return nil, err
+	}
+	enrichedQuote := ensureComputedQuote(quote, item)
+	if bindErr := validateQuoteRouteBinding(enrichedQuote, item.QuoteInput); bindErr != nil {
+		return nil, bindErr
+	}
+
+	result := &QuoteComputationResult{
+		ItemIndex:   item.Index,
+		Quote:       enrichedQuote,
+		ExpiresAt:   expiresAt,
+		BlockReason: item.BlockReason,
+	}
+	return result, nil
+}

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

@@ -0,0 +1,501 @@
+package quote_computation_service
+
+import (
+	"context"
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/gateway_funding_profile"
+	"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"
+	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"
+	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"
+)
+
+func TestBuildPlan_BuildsStepsAndFundingGate(t *testing.T) {
+	svc := New(nil, WithFundingProfileResolver(gateway_funding_profile.NewStaticFundingProfileResolver(gateway_funding_profile.StaticFundingProfileResolverInput{
+		GatewayModes: map[string]model.FundingMode{
+			"monetix": model.FundingModeBalanceReserve,
+		},
+	})))
+
+	orgID := bson.NewObjectID()
+	intent := sampleCardQuoteIntent()
+	intent.Attributes["ledger_block_account_ref"] = "ledger:block"
+
+	planModel, err := svc.BuildPlan(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		PreviewOnly:        false,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{intent},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if planModel == nil || len(planModel.Items) != 1 {
+		t.Fatalf("expected single plan item")
+	}
+
+	item := planModel.Items[0]
+	if item == nil {
+		t.Fatalf("expected plan item")
+	}
+	if item.IdempotencyKey != "idem-key" {
+		t.Fatalf("expected item idempotency key idem-key, got %q", item.IdempotencyKey)
+	}
+	if item.QuoteInput.IdempotencyKey != "idem-key" {
+		t.Fatalf("expected quote input idempotency key idem-key, got %q", item.QuoteInput.IdempotencyKey)
+	}
+	if len(item.Steps) != 2 {
+		t.Fatalf("expected 2 steps, got %d", len(item.Steps))
+	}
+	if item.Steps[0].Operation != model.RailOperationMove {
+		t.Fatalf("expected source operation MOVE, got %q", item.Steps[0].Operation)
+	}
+	if item.Steps[1].Operation != model.RailOperationSend {
+		t.Fatalf("expected destination operation SEND, got %q", item.Steps[1].Operation)
+	}
+	if item.Funding == nil {
+		t.Fatalf("expected funding gate")
+	}
+	if item.Funding.Mode != model.FundingModeBalanceReserve {
+		t.Fatalf("expected funding mode balance_reserve, got %q", item.Funding.Mode)
+	}
+	if item.Route == nil {
+		t.Fatalf("expected route specification")
+	}
+	if got, want := item.Route.GetRail(), "CARD_PAYOUT"; got != want {
+		t.Fatalf("unexpected route rail: got=%q want=%q", got, want)
+	}
+	if got := item.Route.GetRouteRef(); got == "" {
+		t.Fatalf("expected route_ref")
+	}
+	if got := item.Route.GetPricingProfileRef(); got == "" {
+		t.Fatalf("expected pricing_profile_ref")
+	}
+	if got, want := len(item.Route.GetHops()), 2; got != want {
+		t.Fatalf("unexpected route hops count: got=%d want=%d", got, want)
+	}
+	if item.ExecutionConditions == nil {
+		t.Fatalf("expected execution conditions")
+	}
+	if !item.ExecutionConditions.GetPrefundingRequired() {
+		t.Fatalf("expected prefunding required for balance reserve mode")
+	}
+}
+
+func TestBuildPlan_RequiresFXAddsMiddleStep(t *testing.T) {
+	svc := New(nil)
+	orgID := bson.NewObjectID()
+	intent := sampleCardQuoteIntent()
+	intent.RequiresFX = true
+
+	planModel, err := svc.BuildPlan(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		PreviewOnly:        false,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{intent},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if len(planModel.Items) != 1 || len(planModel.Items[0].Steps) != 3 {
+		t.Fatalf("expected 3 steps for FX intent")
+	}
+	if got := planModel.Items[0].Steps[1].Operation; got != model.RailOperationFXConvert {
+		t.Fatalf("expected middle step FX_CONVERT, got %q", got)
+	}
+	if planModel.Items[0].Route == nil {
+		t.Fatalf("expected route specification")
+	}
+	if got, want := len(planModel.Items[0].Route.GetHops()), 3; got != want {
+		t.Fatalf("unexpected route hops count: got=%d want=%d", got, want)
+	}
+	if got, want := planModel.Items[0].Route.GetHops()[1].GetRole(), quotationv2.RouteHopRole_ROUTE_HOP_ROLE_TRANSIT; got != want {
+		t.Fatalf("unexpected middle hop role: got=%s want=%s", got.String(), want.String())
+	}
+}
+
+func TestBuildPlan_SelectsGatewaysAndIgnoresIrrelevant(t *testing.T) {
+	svc := New(nil, WithGatewayRegistry(staticGatewayRegistry{
+		items: []*model.GatewayInstanceDescriptor{
+			{
+				ID:         "crypto-disabled",
+				InstanceID: "crypto-disabled",
+				Rail:       model.RailCrypto,
+				Network:    "TRON",
+				Currencies: []string{"USDT"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: false,
+			},
+			{
+				ID:         "crypto-network-mismatch",
+				InstanceID: "crypto-network-mismatch",
+				Rail:       model.RailCrypto,
+				Network:    "ETH",
+				Currencies: []string{"USDT"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: true,
+			},
+			{
+				ID:         "crypto-currency-mismatch",
+				InstanceID: "crypto-currency-mismatch",
+				Rail:       model.RailCrypto,
+				Network:    "TRON",
+				Currencies: []string{"EUR"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: true,
+			},
+			{
+				ID:         "crypto-gw-1",
+				InstanceID: "crypto-gw-1",
+				Rail:       model.RailCrypto,
+				Network:    "TRON",
+				Currencies: []string{"USDT"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: true,
+			},
+			{
+				ID:         "payout-disabled",
+				InstanceID: "payout-disabled",
+				Rail:       model.RailCardPayout,
+				Currencies: []string{"USDT"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: false,
+			},
+			{
+				ID:         "payout-currency-mismatch",
+				InstanceID: "payout-currency-mismatch",
+				Rail:       model.RailCardPayout,
+				Currencies: []string{"EUR"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: true,
+			},
+			{
+				ID:         "payout-gw-1",
+				InstanceID: "payout-gw-1",
+				Rail:       model.RailCardPayout,
+				Currencies: []string{"USDT"},
+				Capabilities: model.RailCapabilities{
+					CanPayOut: true,
+				},
+				IsEnabled: true,
+			},
+			{
+				ID:         "provider-ignored",
+				InstanceID: "provider-ignored",
+				Rail:       model.RailProviderSettlement,
+				Network:    "TRON",
+				Currencies: []string{"USDT"},
+				IsEnabled:  true,
+			},
+		},
+	}))
+
+	orgID := bson.NewObjectID()
+	planModel, err := svc.BuildPlan(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		PreviewOnly:        false,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{sampleCryptoToCardQuoteIntent()},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if planModel == nil || len(planModel.Items) != 1 {
+		t.Fatalf("expected one plan item")
+	}
+
+	item := planModel.Items[0]
+	if item == nil {
+		t.Fatalf("expected non-nil plan item")
+	}
+	if got, want := len(item.Steps), 3; got != want {
+		t.Fatalf("unexpected step count: got=%d want=%d", got, want)
+	}
+	if got, want := item.Steps[0].GatewayID, "crypto-gw-1"; got != want {
+		t.Fatalf("unexpected source gateway: got=%q want=%q", got, want)
+	}
+	if got, want := item.Steps[1].GatewayID, "internal"; got != want {
+		t.Fatalf("unexpected bridge gateway: got=%q want=%q", got, want)
+	}
+	if got, want := item.Steps[2].GatewayID, "payout-gw-1"; got != want {
+		t.Fatalf("unexpected destination gateway: got=%q want=%q", got, want)
+	}
+	if item.Route == nil {
+		t.Fatalf("expected route")
+	}
+	if got, want := item.Route.GetProvider(), "payout-gw-1"; got != want {
+		t.Fatalf("unexpected selected provider: got=%q want=%q", got, want)
+	}
+	if got, want := len(item.Route.GetHops()), 3; got != want {
+		t.Fatalf("unexpected route hop count: got=%d want=%d", got, want)
+	}
+	if got, want := item.Route.GetHops()[1].GetRail(), "LEDGER"; got != want {
+		t.Fatalf("unexpected bridge rail: got=%q want=%q", got, want)
+	}
+	if got, want := item.Route.GetHops()[1].GetRole(), quotationv2.RouteHopRole_ROUTE_HOP_ROLE_TRANSIT; got != want {
+		t.Fatalf("unexpected bridge role: got=%s want=%s", got.String(), want.String())
+	}
+	if got := item.Route.GetRouteRef(); got == "" {
+		t.Fatalf("expected route_ref")
+	}
+	if got := item.Route.GetPricingProfileRef(); got == "" {
+		t.Fatalf("expected pricing_profile_ref")
+	}
+}
+
+func TestCompute_EnrichesRouteConditionsAndTotalCost(t *testing.T) {
+	core := &fakeCore{
+		quote: &ComputedQuote{
+			DebitAmount: &moneyv1.Money{Amount: "100", Currency: "USD"},
+			FeeLines: []*feesv1.DerivedPostingLine{
+				{
+					Money:    &moneyv1.Money{Amount: "1.50", Currency: "USD"},
+					Side:     accountingv1.EntrySide_ENTRY_SIDE_DEBIT,
+					LineType: accountingv1.PostingLineType_POSTING_LINE_FEE,
+				},
+			},
+		},
+		expiresAt: time.Unix(1000, 0),
+	}
+	svc := New(core, WithFundingProfileResolver(gateway_funding_profile.NewStaticFundingProfileResolver(gateway_funding_profile.StaticFundingProfileResolverInput{
+		GatewayModes: map[string]model.FundingMode{
+			"monetix": model.FundingModeBalanceReserve,
+		},
+	})))
+
+	orgID := bson.NewObjectID()
+	output, err := svc.Compute(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		PreviewOnly:        false,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{sampleCardQuoteIntent()},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if output == nil || len(output.Results) != 1 {
+		t.Fatalf("expected single result")
+	}
+	result := output.Results[0]
+	if result == nil || result.Quote == nil {
+		t.Fatalf("expected result quote")
+	}
+	if result.Quote.Route == nil {
+		t.Fatalf("expected route specification")
+	}
+	if got, want := result.Quote.Route.GetPayoutMethod(), "CARD"; got != want {
+		t.Fatalf("unexpected payout method: got=%q want=%q", got, want)
+	}
+	if got := result.Quote.Route.GetRouteRef(); got == "" {
+		t.Fatalf("expected route_ref")
+	}
+	if got := result.Quote.Route.GetPricingProfileRef(); got == "" {
+		t.Fatalf("expected pricing_profile_ref")
+	}
+	if got, want := len(result.Quote.Route.GetHops()), 2; got != want {
+		t.Fatalf("unexpected route hops count: got=%d want=%d", got, want)
+	}
+	if result.Quote.ExecutionConditions == nil {
+		t.Fatalf("expected execution conditions")
+	}
+	if got := result.Quote.ExecutionConditions.GetReadiness(); got != quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_OBTAINABLE {
+		t.Fatalf("unexpected readiness: %s", got.String())
+	}
+	if result.Quote.TotalCost == nil {
+		t.Fatalf("expected total cost")
+	}
+	if got, want := result.Quote.TotalCost.GetAmount(), "101.5"; got != want {
+		t.Fatalf("unexpected total cost amount: got=%q want=%q", got, want)
+	}
+	if core.lastQuoteIn.Route == nil {
+		t.Fatalf("expected selected route to be passed into build quote input")
+	}
+	if got, want := core.lastQuoteIn.Route.GetProvider(), "monetix"; got != want {
+		t.Fatalf("unexpected selected route provider in build input: got=%q want=%q", got, want)
+	}
+	if core.lastQuoteIn.ExecutionConditions == nil {
+		t.Fatalf("expected execution conditions to be passed into build quote input")
+	}
+	if got := core.lastQuoteIn.ExecutionConditions.GetPrefundingRequired(); !got {
+		t.Fatalf("expected prefunding_required in build quote input for reserve mode")
+	}
+}
+
+func TestCompute_PreviewMarksIndicativeReadiness(t *testing.T) {
+	core := &fakeCore{
+		quote: &ComputedQuote{
+			DebitAmount: &moneyv1.Money{Amount: "100", Currency: "USD"},
+		},
+		expiresAt: time.Unix(1000, 0),
+	}
+	svc := New(core)
+
+	orgID := bson.NewObjectID()
+	output, err := svc.Compute(context.Background(), ComputeInput{
+		OrganizationRef: orgID.Hex(),
+		OrganizationID:  orgID,
+		PreviewOnly:     true,
+		Intents:         []*transfer_intent_hydrator.QuoteIntent{sampleCardQuoteIntent()},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if output == nil || len(output.Results) != 1 {
+		t.Fatalf("expected single result")
+	}
+	if output.Results[0].Quote == nil || output.Results[0].Quote.ExecutionConditions == nil {
+		t.Fatalf("expected execution conditions")
+	}
+	if got := output.Results[0].Quote.ExecutionConditions.GetReadiness(); got != quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_INDICATIVE {
+		t.Fatalf("unexpected readiness: %s", got.String())
+	}
+}
+
+func TestCompute_FailsWhenCoreReturnsDifferentRoute(t *testing.T) {
+	core := &fakeCore{
+		quote: &ComputedQuote{
+			DebitAmount: &moneyv1.Money{Amount: "100", Currency: "USD"},
+			Route: &quotationv2.RouteSpecification{
+				Rail:         "CARD_PAYOUT",
+				Provider:     "other-provider",
+				PayoutMethod: "CARD",
+			},
+		},
+		expiresAt: time.Unix(1000, 0),
+	}
+	svc := New(core)
+
+	orgID := bson.NewObjectID()
+	_, err := svc.Compute(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		PreviewOnly:        false,
+		Intents:            []*transfer_intent_hydrator.QuoteIntent{sampleCardQuoteIntent()},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for route mismatch, got %v", err)
+	}
+}
+
+type fakeCore struct {
+	quote       *ComputedQuote
+	expiresAt   time.Time
+	quoteErr    error
+	quoteCalls  int
+	lastQuoteIn BuildQuoteInput
+}
+
+func (f *fakeCore) BuildQuote(_ context.Context, in BuildQuoteInput) (*ComputedQuote, time.Time, error) {
+	f.quoteCalls++
+	f.lastQuoteIn = in
+	if f.quoteErr != nil {
+		return nil, time.Time{}, f.quoteErr
+	}
+	return f.quote, f.expiresAt, nil
+}
+
+func sampleCardQuoteIntent() *transfer_intent_hydrator.QuoteIntent {
+	return &transfer_intent_hydrator.QuoteIntent{
+		Ref:            "intent-1",
+		Kind:           transfer_intent_hydrator.QuoteIntentKindPayout,
+		SettlementMode: transfer_intent_hydrator.QuoteSettlementModeFixSource,
+		Source: transfer_intent_hydrator.QuoteEndpoint{
+			Type: transfer_intent_hydrator.QuoteEndpointTypeLedger,
+			Ledger: &transfer_intent_hydrator.QuoteLedgerEndpoint{
+				LedgerAccountRef:       "ledger:src",
+				ContraLedgerAccountRef: "ledger:contra",
+			},
+		},
+		Destination: transfer_intent_hydrator.QuoteEndpoint{
+			Type: transfer_intent_hydrator.QuoteEndpointTypeCard,
+			Card: &transfer_intent_hydrator.QuoteCardEndpoint{
+				Token: "tok_1",
+			},
+		},
+		Amount: &paymenttypes.Money{
+			Amount:   "100",
+			Currency: "USD",
+		},
+		SettlementCurrency: "USD",
+		Attributes: map[string]string{
+			"gateway": "monetix",
+		},
+	}
+}
+
+func sampleCryptoToCardQuoteIntent() *transfer_intent_hydrator.QuoteIntent {
+	return &transfer_intent_hydrator.QuoteIntent{
+		Ref:            "intent-crypto-card",
+		Kind:           transfer_intent_hydrator.QuoteIntentKindPayout,
+		SettlementMode: transfer_intent_hydrator.QuoteSettlementModeFixSource,
+		Source: transfer_intent_hydrator.QuoteEndpoint{
+			Type: transfer_intent_hydrator.QuoteEndpointTypeManagedWallet,
+			ManagedWallet: &transfer_intent_hydrator.QuoteManagedWalletEndpoint{
+				ManagedWalletRef: "wallet-usdt-source",
+				Asset: &paymenttypes.Asset{
+					Chain:       "TRON",
+					TokenSymbol: "USDT",
+				},
+			},
+		},
+		Destination: transfer_intent_hydrator.QuoteEndpoint{
+			Type: transfer_intent_hydrator.QuoteEndpointTypeCard,
+			Card: &transfer_intent_hydrator.QuoteCardEndpoint{
+				Token: "tok_1",
+			},
+		},
+		Amount: &paymenttypes.Money{
+			Amount:   "100",
+			Currency: "USDT",
+		},
+		SettlementCurrency: "USDT",
+		Attributes:         map[string]string{},
+	}
+}
+
+type staticGatewayRegistry struct {
+	items []*model.GatewayInstanceDescriptor
+}
+
+func (r staticGatewayRegistry) List(context.Context) ([]*model.GatewayInstanceDescriptor, error) {
+	if len(r.items) == 0 {
+		return nil, nil
+	}
+	out := make([]*model.GatewayInstanceDescriptor, 0, len(r.items))
+	for _, item := range r.items {
+		if item == nil {
+			continue
+		}
+		cloned := *item
+		if item.Currencies != nil {
+			cloned.Currencies = append([]string(nil), item.Currencies...)
+		}
+		out = append(out, &cloned)
+	}
+	return out, nil
+}

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

@@ -0,0 +1,136 @@
+package quote_computation_service
+
+import (
+	"strings"
+
+	"github.com/shopspring/decimal"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func ensureComputedQuote(src *ComputedQuote, item *QuoteComputationPlanItem) *ComputedQuote {
+	if src == nil {
+		src = &ComputedQuote{}
+	}
+	if item == nil {
+		return src
+	}
+	if src.Route == nil {
+		src.Route = cloneRouteSpecification(item.Route)
+	}
+	if src.ExecutionConditions == nil {
+		src.ExecutionConditions = cloneExecutionConditions(item.ExecutionConditions)
+	}
+	if src.TotalCost == nil {
+		src.TotalCost = deriveTotalCost(src.DebitAmount, src.FeeLines)
+	}
+	return src
+}
+
+func deriveTotalCost(
+	debitAmount *moneyv1.Money,
+	feeLines []*feesv1.DerivedPostingLine,
+) *moneyv1.Money {
+	if debitAmount == nil {
+		return nil
+	}
+	currency := strings.ToUpper(strings.TrimSpace(debitAmount.GetCurrency()))
+	baseValue, err := decimal.NewFromString(strings.TrimSpace(debitAmount.GetAmount()))
+	if err != nil {
+		return nil
+	}
+
+	total := baseValue
+	for _, line := range feeLines {
+		if line == nil || line.GetMoney() == nil {
+			continue
+		}
+		lineCurrency := strings.ToUpper(strings.TrimSpace(line.GetMoney().GetCurrency()))
+		if lineCurrency == "" || lineCurrency != currency {
+			continue
+		}
+		lineAmount, convErr := decimal.NewFromString(strings.TrimSpace(line.GetMoney().GetAmount()))
+		if convErr != nil {
+			continue
+		}
+		switch line.GetSide() {
+		case accountingv1.EntrySide_ENTRY_SIDE_DEBIT:
+			total = total.Add(lineAmount)
+		case accountingv1.EntrySide_ENTRY_SIDE_CREDIT:
+			total = total.Sub(lineAmount)
+		}
+	}
+	return &moneyv1.Money{
+		Amount:   total.String(),
+		Currency: currency,
+	}
+}
+
+func cloneRouteSpecification(src *quotationv2.RouteSpecification) *quotationv2.RouteSpecification {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.RouteSpecification{
+		Rail:              strings.TrimSpace(src.GetRail()),
+		Provider:          strings.TrimSpace(src.GetProvider()),
+		PayoutMethod:      strings.TrimSpace(src.GetPayoutMethod()),
+		SettlementAsset:   strings.ToUpper(strings.TrimSpace(src.GetSettlementAsset())),
+		SettlementModel:   strings.TrimSpace(src.GetSettlementModel()),
+		Network:           strings.TrimSpace(src.GetNetwork()),
+		RouteRef:          strings.TrimSpace(src.GetRouteRef()),
+		PricingProfileRef: strings.TrimSpace(src.GetPricingProfileRef()),
+	}
+	if hops := src.GetHops(); len(hops) > 0 {
+		result.Hops = make([]*quotationv2.RouteHop, 0, len(hops))
+		for _, hop := range hops {
+			if cloned := cloneRouteHop(hop); cloned != nil {
+				result.Hops = append(result.Hops, cloned)
+			}
+		}
+		if len(result.Hops) == 0 {
+			result.Hops = nil
+		}
+	}
+	return result
+}
+
+func cloneExecutionConditions(src *quotationv2.ExecutionConditions) *quotationv2.ExecutionConditions {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.ExecutionConditions{
+		Readiness:                         src.GetReadiness(),
+		BatchingEligible:                  src.GetBatchingEligible(),
+		PrefundingRequired:                src.GetPrefundingRequired(),
+		PrefundingCostIncluded:            src.GetPrefundingCostIncluded(),
+		LiquidityCheckRequiredAtExecution: src.GetLiquidityCheckRequiredAtExecution(),
+		LatencyHint:                       strings.TrimSpace(src.GetLatencyHint()),
+	}
+	for _, assumption := range src.GetAssumptions() {
+		value := strings.TrimSpace(assumption)
+		if value == "" {
+			continue
+		}
+		result.Assumptions = append(result.Assumptions, value)
+	}
+	if len(result.Assumptions) == 0 {
+		result.Assumptions = nil
+	}
+	return result
+}
+
+func cloneRouteHop(src *quotationv2.RouteHop) *quotationv2.RouteHop {
+	if src == nil {
+		return nil
+	}
+	return &quotationv2.RouteHop{
+		Index:      src.GetIndex(),
+		Rail:       strings.TrimSpace(src.GetRail()),
+		Gateway:    strings.TrimSpace(src.GetGateway()),
+		InstanceId: strings.TrimSpace(src.GetInstanceId()),
+		Network:    strings.TrimSpace(src.GetNetwork()),
+		Role:       src.GetRole(),
+	}
+}

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

@@ -0,0 +1,176 @@
+package quote_computation_service
+
+import (
+	"context"
+	"fmt"
+	"sort"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/payments/quotation/internal/service/plan"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func (s *QuoteComputationService) resolveStepGateways(
+	ctx context.Context,
+	steps []*QuoteComputationStep,
+	routeNetwork string,
+) error {
+	if s == nil || s.gatewayRegistry == nil {
+		return nil
+	}
+
+	gateways, err := s.gatewayRegistry.List(ctx)
+	if err != nil {
+		return err
+	}
+	if len(gateways) == 0 {
+		return merrors.InvalidArgument("gateway registry has no entries")
+	}
+
+	sorted := make([]*model.GatewayInstanceDescriptor, 0, len(gateways))
+	for _, gw := range gateways {
+		if gw != nil {
+			sorted = append(sorted, gw)
+		}
+	}
+	sort.Slice(sorted, func(i, j int) bool {
+		return strings.TrimSpace(sorted[i].ID) < strings.TrimSpace(sorted[j].ID)
+	})
+
+	for idx, step := range steps {
+		if step == nil {
+			continue
+		}
+		if strings.TrimSpace(step.GatewayID) != "" {
+			continue
+		}
+		if step.Rail == model.RailLedger {
+			step.GatewayID = "internal"
+			continue
+		}
+
+		selected, selectErr := selectGatewayForStep(sorted, step, routeNetwork)
+		if selectErr != nil {
+			return fmt.Errorf("Step[%d] %s: %w", idx, strings.TrimSpace(step.StepID), selectErr)
+		}
+		step.GatewayID = strings.TrimSpace(selected.ID)
+		if strings.TrimSpace(step.InstanceID) == "" {
+			step.InstanceID = strings.TrimSpace(selected.InstanceID)
+		}
+	}
+
+	return nil
+}
+
+func selectGatewayForStep(
+	gateways []*model.GatewayInstanceDescriptor,
+	step *QuoteComputationStep,
+	routeNetwork string,
+) (*model.GatewayInstanceDescriptor, error) {
+	if step == nil {
+		return nil, merrors.InvalidArgument("step is required")
+	}
+	if len(gateways) == 0 {
+		return nil, merrors.InvalidArgument("gateway list is empty")
+	}
+
+	currency := ""
+	amount := decimal.Zero
+	if step.Amount != nil {
+		currency = strings.ToUpper(strings.TrimSpace(step.Amount.GetCurrency()))
+		if parsed, err := parseDecimalAmount(step.Amount); err == nil {
+			amount = parsed
+		}
+	}
+	action := gatewayEligibilityOperation(step.Operation)
+	direction := plan.SendDirectionForRail(step.Rail)
+	network := networkForGatewaySelection(step.Rail, routeNetwork)
+
+	var lastErr error
+	for _, gw := range gateways {
+		if gw == nil {
+			continue
+		}
+		if strings.TrimSpace(step.InstanceID) != "" &&
+			!strings.EqualFold(strings.TrimSpace(gw.InstanceID), strings.TrimSpace(step.InstanceID)) {
+			continue
+		}
+		if err := plan.IsGatewayEligible(gw, step.Rail, network, currency, action, direction, amount); err != nil {
+			lastErr = err
+			continue
+		}
+		return gw, nil
+	}
+
+	if lastErr != nil {
+		return nil, merrors.InvalidArgument("no eligible gateway: " + lastErr.Error())
+	}
+	return nil, merrors.InvalidArgument("no eligible gateway")
+}
+
+func parseDecimalAmount(m *moneyv1.Money) (decimal.Decimal, error) {
+	if m == nil {
+		return decimal.Zero, nil
+	}
+	value := strings.TrimSpace(m.GetAmount())
+	if value == "" {
+		return decimal.Zero, nil
+	}
+	parsed, err := decimal.NewFromString(value)
+	if err != nil {
+		return decimal.Zero, err
+	}
+	return parsed, nil
+}
+
+func gatewayEligibilityOperation(op model.RailOperation) model.RailOperation {
+	switch op {
+	case model.RailOperationExternalDebit, model.RailOperationExternalCredit:
+		return model.RailOperationSend
+	default:
+		return op
+	}
+}
+
+func networkForGatewaySelection(rail model.Rail, routeNetwork string) string {
+	switch rail {
+	case model.RailCrypto, model.RailProviderSettlement, model.RailFiatOnRamp:
+		return strings.ToUpper(strings.TrimSpace(routeNetwork))
+	default:
+		return ""
+	}
+}
+
+func hasExplicitDestinationGateway(attrs map[string]string) bool {
+	return strings.TrimSpace(firstNonEmpty(
+		lookupAttr(attrs, "gateway", "gateway_id", "gatewayId"),
+		lookupAttr(attrs, "destination_gateway", "destinationGateway"),
+	)) != ""
+}
+
+func clearImplicitDestinationGateway(steps []*QuoteComputationStep) {
+	if len(steps) == 0 {
+		return
+	}
+	last := steps[len(steps)-1]
+	if last == nil {
+		return
+	}
+	last.GatewayID = ""
+}
+
+func destinationGatewayFromSteps(steps []*QuoteComputationStep) string {
+	for i := len(steps) - 1; i >= 0; i-- {
+		step := steps[i]
+		if step == nil {
+			continue
+		}
+		if gateway := normalizeGatewayKey(step.GatewayID); gateway != "" {
+			return gateway
+		}
+	}
+	return ""
+}

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

@@ -0,0 +1,167 @@
+package quote_computation_service
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/payments/storage/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+const defaultCardGateway = "monetix"
+
+func cloneProtoMoney(src *moneyv1.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.TrimSpace(src.GetCurrency()),
+	}
+}
+
+func protoMoneyFromModel(src *paymenttypes.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.ToUpper(strings.TrimSpace(src.GetCurrency())),
+	}
+}
+
+func cloneStringMap(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	out := make(map[string]string, len(src))
+	for k, v := range src {
+		key := strings.TrimSpace(k)
+		if key == "" {
+			continue
+		}
+		out[key] = strings.TrimSpace(v)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}
+
+func cloneAsset(src *paymenttypes.Asset) *paymenttypes.Asset {
+	if src == nil {
+		return nil
+	}
+	return &paymenttypes.Asset{
+		Chain:           strings.TrimSpace(src.Chain),
+		TokenSymbol:     strings.TrimSpace(src.TokenSymbol),
+		ContractAddress: strings.TrimSpace(src.ContractAddress),
+	}
+}
+
+func cloneModelMoney(src *paymenttypes.Money) *paymenttypes.Money {
+	if src == nil {
+		return nil
+	}
+	return &paymenttypes.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.ToUpper(strings.TrimSpace(src.GetCurrency())),
+	}
+}
+
+func clonePaymentIntent(src model.PaymentIntent) model.PaymentIntent {
+	out := model.PaymentIntent{
+		Ref:                strings.TrimSpace(src.Ref),
+		Kind:               src.Kind,
+		Source:             clonePaymentEndpoint(src.Source),
+		Destination:        clonePaymentEndpoint(src.Destination),
+		Amount:             cloneModelMoney(src.Amount),
+		RequiresFX:         src.RequiresFX,
+		FX:                 nil,
+		FeePolicy:          src.FeePolicy,
+		SettlementMode:     src.SettlementMode,
+		SettlementCurrency: strings.ToUpper(strings.TrimSpace(src.SettlementCurrency)),
+		Attributes:         cloneStringMap(src.Attributes),
+		Customer:           src.Customer,
+	}
+	if src.FX != nil {
+		fx := *src.FX
+		out.FX = &fx
+	}
+	return out
+}
+
+func clonePaymentEndpoint(src model.PaymentEndpoint) model.PaymentEndpoint {
+	out := model.PaymentEndpoint{
+		Type:          src.Type,
+		InstanceID:    strings.TrimSpace(src.InstanceID),
+		Metadata:      nil,
+		Ledger:        nil,
+		ManagedWallet: nil,
+		ExternalChain: nil,
+		Card:          nil,
+	}
+	if src.Ledger != nil {
+		out.Ledger = &model.LedgerEndpoint{
+			LedgerAccountRef:       strings.TrimSpace(src.Ledger.LedgerAccountRef),
+			ContraLedgerAccountRef: strings.TrimSpace(src.Ledger.ContraLedgerAccountRef),
+		}
+	}
+	if src.ManagedWallet != nil {
+		out.ManagedWallet = &model.ManagedWalletEndpoint{
+			ManagedWalletRef: strings.TrimSpace(src.ManagedWallet.ManagedWalletRef),
+			Asset:            cloneAsset(src.ManagedWallet.Asset),
+		}
+	}
+	if src.ExternalChain != nil {
+		out.ExternalChain = &model.ExternalChainEndpoint{
+			Asset:   cloneAsset(src.ExternalChain.Asset),
+			Address: strings.TrimSpace(src.ExternalChain.Address),
+			Memo:    strings.TrimSpace(src.ExternalChain.Memo),
+		}
+	}
+	if src.Card != nil {
+		out.Card = &model.CardEndpoint{
+			Pan:               strings.TrimSpace(src.Card.Pan),
+			Token:             strings.TrimSpace(src.Card.Token),
+			Cardholder:        strings.TrimSpace(src.Card.Cardholder),
+			CardholderSurname: strings.TrimSpace(src.Card.CardholderSurname),
+			ExpMonth:          src.Card.ExpMonth,
+			ExpYear:           src.Card.ExpYear,
+			Country:           strings.TrimSpace(src.Card.Country),
+			MaskedPan:         strings.TrimSpace(src.Card.MaskedPan),
+		}
+	}
+	if len(src.Metadata) > 0 {
+		out.Metadata = cloneStringMap(src.Metadata)
+	}
+	return out
+}
+
+func lookupAttr(attrs map[string]string, keys ...string) string {
+	if len(attrs) == 0 {
+		return ""
+	}
+	for _, key := range keys {
+		if key == "" {
+			continue
+		}
+		if val := strings.TrimSpace(attrs[key]); val != "" {
+			return val
+		}
+	}
+	return ""
+}
+
+func firstNonEmpty(values ...string) string {
+	for _, value := range values {
+		if strings.TrimSpace(value) != "" {
+			return strings.TrimSpace(value)
+		}
+	}
+	return ""
+}
+
+func normalizeGatewayKey(value string) string {
+	return strings.ToLower(strings.TrimSpace(value))
+}

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

@@ -0,0 +1,19 @@
+package quote_computation_service
+
+import (
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type ComputeInput struct {
+	OrganizationRef    string
+	OrganizationID     bson.ObjectID
+	BaseIdempotencyKey string
+	PreviewOnly        bool
+	Intents            []*transfer_intent_hydrator.QuoteIntent
+}
+
+type ComputeOutput struct {
+	Plan    *QuoteComputationPlan
+	Results []*QuoteComputationResult
+}

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

@@ -0,0 +1,108 @@
+package quote_computation_service
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/transfer_intent_hydrator"
+	"github.com/tech/sendico/payments/storage/model"
+)
+
+func modelIntentFromQuoteIntent(src *transfer_intent_hydrator.QuoteIntent) model.PaymentIntent {
+	if src == nil {
+		return model.PaymentIntent{}
+	}
+	settlementCurrency := strings.ToUpper(strings.TrimSpace(src.SettlementCurrency))
+	if settlementCurrency == "" && src.Amount != nil {
+		settlementCurrency = strings.ToUpper(strings.TrimSpace(src.Amount.Currency))
+	}
+
+	return model.PaymentIntent{
+		Ref:                strings.TrimSpace(src.Ref),
+		Kind:               modelPaymentKind(src.Kind, src.Destination),
+		Source:             modelEndpointFromQuoteEndpoint(src.Source),
+		Destination:        modelEndpointFromQuoteEndpoint(src.Destination),
+		Amount:             cloneModelMoney(src.Amount),
+		RequiresFX:         src.RequiresFX,
+		Attributes:         cloneStringMap(src.Attributes),
+		SettlementMode:     modelSettlementMode(src.SettlementMode),
+		SettlementCurrency: settlementCurrency,
+	}
+}
+
+func modelEndpointFromQuoteEndpoint(src transfer_intent_hydrator.QuoteEndpoint) model.PaymentEndpoint {
+	result := model.PaymentEndpoint{
+		Type: model.EndpointTypeUnspecified,
+	}
+
+	switch src.Type {
+	case transfer_intent_hydrator.QuoteEndpointTypeLedger:
+		result.Type = model.EndpointTypeLedger
+		if src.Ledger != nil {
+			result.Ledger = &model.LedgerEndpoint{
+				LedgerAccountRef:       strings.TrimSpace(src.Ledger.LedgerAccountRef),
+				ContraLedgerAccountRef: strings.TrimSpace(src.Ledger.ContraLedgerAccountRef),
+			}
+		}
+	case transfer_intent_hydrator.QuoteEndpointTypeManagedWallet:
+		result.Type = model.EndpointTypeManagedWallet
+		if src.ManagedWallet != nil {
+			result.ManagedWallet = &model.ManagedWalletEndpoint{
+				ManagedWalletRef: strings.TrimSpace(src.ManagedWallet.ManagedWalletRef),
+				Asset:            cloneAsset(src.ManagedWallet.Asset),
+			}
+		}
+	case transfer_intent_hydrator.QuoteEndpointTypeExternalChain:
+		result.Type = model.EndpointTypeExternalChain
+		if src.ExternalChain != nil {
+			result.ExternalChain = &model.ExternalChainEndpoint{
+				Asset:   cloneAsset(src.ExternalChain.Asset),
+				Address: strings.TrimSpace(src.ExternalChain.Address),
+				Memo:    strings.TrimSpace(src.ExternalChain.Memo),
+			}
+		}
+	case transfer_intent_hydrator.QuoteEndpointTypeCard:
+		result.Type = model.EndpointTypeCard
+		if src.Card != nil {
+			result.Card = &model.CardEndpoint{
+				Pan:               strings.TrimSpace(src.Card.Pan),
+				Token:             strings.TrimSpace(src.Card.Token),
+				Cardholder:        strings.TrimSpace(src.Card.Cardholder),
+				CardholderSurname: strings.TrimSpace(src.Card.CardholderSurname),
+				ExpMonth:          src.Card.ExpMonth,
+				ExpYear:           src.Card.ExpYear,
+				Country:           strings.TrimSpace(src.Card.Country),
+				MaskedPan:         strings.TrimSpace(src.Card.MaskedPan),
+			}
+		}
+	}
+
+	return result
+}
+
+func modelPaymentKind(kind transfer_intent_hydrator.QuoteIntentKind, destination transfer_intent_hydrator.QuoteEndpoint) model.PaymentKind {
+	switch kind {
+	case transfer_intent_hydrator.QuoteIntentKindPayout:
+		return model.PaymentKindPayout
+	case transfer_intent_hydrator.QuoteIntentKindInternalTransfer:
+		return model.PaymentKindInternalTransfer
+	case transfer_intent_hydrator.QuoteIntentKindFXConversion:
+		return model.PaymentKindFXConversion
+	}
+	switch destination.Type {
+	case transfer_intent_hydrator.QuoteEndpointTypeExternalChain, transfer_intent_hydrator.QuoteEndpointTypeCard:
+		return model.PaymentKindPayout
+	default:
+		return model.PaymentKindInternalTransfer
+	}
+}
+
+func modelSettlementMode(mode transfer_intent_hydrator.QuoteSettlementMode) model.SettlementMode {
+	switch mode {
+	case transfer_intent_hydrator.QuoteSettlementModeFixSource:
+		return model.SettlementModeFixSource
+	case transfer_intent_hydrator.QuoteSettlementModeFixReceived:
+		return model.SettlementModeFixReceived
+	default:
+		return model.SettlementModeUnspecified
+	}
+}

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

@@ -0,0 +1,95 @@
+package quote_computation_service
+
+import (
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/gateway_funding_profile"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/model/account_role"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+// PlanMode defines whether the computation plan is for one intent or many.
+type PlanMode string
+
+const (
+	PlanModeUnspecified PlanMode = "unspecified"
+	PlanModeSingle      PlanMode = "single"
+	PlanModeBatch       PlanMode = "batch"
+)
+
+// BuildQuoteInput is the domain input for one quote computation request.
+type BuildQuoteInput struct {
+	OrganizationRef     string
+	IdempotencyKey      string
+	PreviewOnly         bool
+	Intent              model.PaymentIntent
+	Route               *quotationv2.RouteSpecification
+	ExecutionConditions *quotationv2.ExecutionConditions
+}
+
+// ComputedQuote is a canonical quote payload for v2 processing.
+type ComputedQuote struct {
+	QuoteRef            string
+	DebitAmount         *moneyv1.Money
+	CreditAmount        *moneyv1.Money
+	TotalCost           *moneyv1.Money
+	FeeLines            []*feesv1.DerivedPostingLine
+	FeeRules            []*feesv1.AppliedRule
+	FXQuote             *oraclev1.Quote
+	Route               *quotationv2.RouteSpecification
+	ExecutionConditions *quotationv2.ExecutionConditions
+}
+
+// QuoteComputationPlan is an orchestration plan for quote computations.
+// It is intentionally separate from executable payment plans.
+type QuoteComputationPlan struct {
+	Mode               PlanMode
+	OrganizationRef    string
+	OrganizationID     bson.ObjectID
+	PreviewOnly        bool
+	BaseIdempotencyKey string
+	Items              []*QuoteComputationPlanItem
+}
+
+// QuoteComputationPlanItem is one quote-computation unit.
+type QuoteComputationPlanItem struct {
+	Index               int
+	IdempotencyKey      string
+	IntentRef           string
+	Intent              model.PaymentIntent
+	QuoteInput          BuildQuoteInput
+	Steps               []*QuoteComputationStep
+	Funding             *gateway_funding_profile.QuoteFundingGate
+	Route               *quotationv2.RouteSpecification
+	ExecutionConditions *quotationv2.ExecutionConditions
+	BlockReason         quotationv2.QuoteBlockReason
+}
+
+// QuoteComputationStep is one planner step in a generic execution graph.
+// The planner should use rail+operation instead of custom per-case leg kinds.
+type QuoteComputationStep struct {
+	StepID             string
+	Rail               model.Rail
+	Operation          model.RailOperation
+	GatewayID          string
+	InstanceID         string
+	DependsOn          []string
+	Amount             *moneyv1.Money
+	FromRole           *account_role.AccountRole
+	ToRole             *account_role.AccountRole
+	Optional           bool
+	IncludeInAggregate bool
+}
+
+// QuoteComputationResult is the computed output for one planned item.
+type QuoteComputationResult struct {
+	ItemIndex   int
+	Quote       *ComputedQuote
+	ExpiresAt   time.Time
+	BlockReason quotationv2.QuoteBlockReason
+}

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

@@ -0,0 +1,244 @@
+package quote_computation_service
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/plan"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/gateway_funding_profile"
+	"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"
+	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"
+)
+
+func (s *QuoteComputationService) BuildPlan(ctx context.Context, in ComputeInput) (*QuoteComputationPlan, error) {
+	if strings.TrimSpace(in.OrganizationRef) == "" {
+		return nil, merrors.InvalidArgument("organization_ref is required")
+	}
+	if in.OrganizationID == bson.NilObjectID {
+		return nil, merrors.InvalidArgument("organization_id is required")
+	}
+	if len(in.Intents) == 0 {
+		return nil, merrors.InvalidArgument("intents are required")
+	}
+	if !in.PreviewOnly && strings.TrimSpace(in.BaseIdempotencyKey) == "" {
+		return nil, merrors.InvalidArgument("idempotency_key is required")
+	}
+
+	mode := PlanModeSingle
+	if len(in.Intents) > 1 {
+		mode = PlanModeBatch
+	}
+	planModel := &QuoteComputationPlan{
+		Mode:               mode,
+		OrganizationRef:    strings.TrimSpace(in.OrganizationRef),
+		OrganizationID:     in.OrganizationID,
+		PreviewOnly:        in.PreviewOnly,
+		BaseIdempotencyKey: strings.TrimSpace(in.BaseIdempotencyKey),
+		Items:              make([]*QuoteComputationPlanItem, 0, len(in.Intents)),
+	}
+
+	for i, intent := range in.Intents {
+		item, err := s.buildPlanItem(ctx, in, i, intent)
+		if err != nil {
+			return nil, fmt.Errorf("intents[%d]: %w", i, err)
+		}
+		planModel.Items = append(planModel.Items, item)
+	}
+
+	return planModel, nil
+}
+
+func (s *QuoteComputationService) buildPlanItem(
+	ctx context.Context,
+	in ComputeInput,
+	index int,
+	intent *transfer_intent_hydrator.QuoteIntent,
+) (*QuoteComputationPlanItem, error) {
+	if intent == nil {
+		return nil, merrors.InvalidArgument("intent is required")
+	}
+
+	modelIntent := modelIntentFromQuoteIntent(intent)
+	if modelIntent.Amount == nil {
+		return nil, merrors.InvalidArgument("intent.amount is required")
+	}
+	if modelIntent.Source.Type == model.EndpointTypeUnspecified {
+		return nil, merrors.InvalidArgument("intent.source is required")
+	}
+	if modelIntent.Destination.Type == model.EndpointTypeUnspecified {
+		return nil, merrors.InvalidArgument("intent.destination is required")
+	}
+
+	itemIdempotencyKey := deriveItemIdempotencyKey(strings.TrimSpace(in.BaseIdempotencyKey), len(in.Intents), index)
+
+	source := clonePaymentEndpoint(modelIntent.Source)
+	destination := clonePaymentEndpoint(modelIntent.Destination)
+	_, sourceNetwork, err := plan.RailFromEndpoint(source, modelIntent.Attributes, true)
+	if err != nil {
+		return nil, err
+	}
+	destRail, destNetwork, err := plan.RailFromEndpoint(destination, modelIntent.Attributes, false)
+	if err != nil {
+		return nil, err
+	}
+	routeNetwork, err := plan.ResolveRouteNetwork(modelIntent.Attributes, sourceNetwork, destNetwork)
+	if err != nil {
+		return nil, err
+	}
+
+	steps := buildComputationSteps(index, modelIntent, destination)
+	if modelIntent.Destination.Type == model.EndpointTypeCard &&
+		s.gatewayRegistry != nil &&
+		!hasExplicitDestinationGateway(modelIntent.Attributes) {
+		// Avoid sticky default provider when registry-driven selection is available.
+		clearImplicitDestinationGateway(steps)
+	}
+	if err := s.resolveStepGateways(
+		ctx,
+		steps,
+		firstNonEmpty(routeNetwork, destNetwork, sourceNetwork),
+	); err != nil {
+		return nil, err
+	}
+	provider := firstNonEmpty(
+		destinationGatewayFromSteps(steps),
+		gatewayKeyForFunding(modelIntent.Attributes, destination),
+	)
+	if provider == "" && destRail == model.RailLedger {
+		provider = "internal"
+	}
+	funding, err := s.resolveFundingGate(ctx, resolveFundingGateInput{
+		OrganizationRef: strings.TrimSpace(in.OrganizationRef),
+		Rail:            destRail,
+		Network:         firstNonEmpty(routeNetwork, destNetwork, sourceNetwork),
+		Amount:          protoMoneyFromModel(modelIntent.Amount),
+		Source:          source,
+		Destination:     destination,
+		Attributes:      modelIntent.Attributes,
+		Currency: firstNonEmpty(
+			strings.TrimSpace(modelIntent.SettlementCurrency),
+			strings.TrimSpace(modelIntent.Amount.GetCurrency()),
+		),
+		GatewayID:  provider,
+		InstanceID: instanceIDForFunding(modelIntent.Attributes),
+	})
+	if err != nil {
+		return nil, err
+	}
+	route := buildRouteSpecification(
+		modelIntent,
+		destination,
+		destRail,
+		firstNonEmpty(routeNetwork, destNetwork, sourceNetwork),
+		provider,
+		steps,
+	)
+	conditions, blockReason := buildExecutionConditions(in.PreviewOnly, steps, funding)
+	if route == nil || strings.TrimSpace(route.GetRail()) == "" || route.GetRail() == string(model.RailUnspecified) {
+		blockReason = quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE
+	}
+	quoteInput := BuildQuoteInput{
+		OrganizationRef:     strings.TrimSpace(in.OrganizationRef),
+		IdempotencyKey:      itemIdempotencyKey,
+		Intent:              clonePaymentIntent(modelIntent),
+		PreviewOnly:         in.PreviewOnly,
+		Route:               cloneRouteSpecification(route),
+		ExecutionConditions: cloneExecutionConditions(conditions),
+	}
+
+	intentRef := strings.TrimSpace(modelIntent.Ref)
+	if intentRef == "" {
+		intentRef = fmt.Sprintf("intent-%d", index)
+	}
+
+	return &QuoteComputationPlanItem{
+		Index:               index,
+		IdempotencyKey:      itemIdempotencyKey,
+		IntentRef:           intentRef,
+		Intent:              modelIntent,
+		QuoteInput:          quoteInput,
+		Steps:               steps,
+		Funding:             funding,
+		Route:               route,
+		ExecutionConditions: conditions,
+		BlockReason:         blockReason,
+	}, nil
+}
+
+func deriveItemIdempotencyKey(base string, total, index int) string {
+	base = strings.TrimSpace(base)
+	if base == "" {
+		return ""
+	}
+	if total <= 1 {
+		return base
+	}
+	return fmt.Sprintf("%s:%d", base, index+1)
+}
+
+func gatewayKeyForFunding(attrs map[string]string, destination model.PaymentEndpoint) string {
+	key := firstNonEmpty(
+		lookupAttr(attrs, "gateway", "gateway_id", "gatewayId"),
+		lookupAttr(attrs, "destination_gateway", "destinationGateway"),
+	)
+	if key == "" && destination.Card != nil {
+		return defaultCardGateway
+	}
+	return normalizeGatewayKey(key)
+}
+
+func instanceIDForFunding(attrs map[string]string) string {
+	return strings.TrimSpace(lookupAttr(attrs,
+		"instance_id",
+		"instanceId",
+		"destination_instance_id",
+		"destinationInstanceId",
+	))
+}
+
+type resolveFundingGateInput struct {
+	OrganizationRef string
+	GatewayID       string
+	InstanceID      string
+	Rail            model.Rail
+	Network         string
+	Currency        string
+	Amount          *moneyv1.Money
+	Source          model.PaymentEndpoint
+	Destination     model.PaymentEndpoint
+	Attributes      map[string]string
+}
+
+func (s *QuoteComputationService) resolveFundingGate(
+	ctx context.Context,
+	in resolveFundingGateInput,
+) (*gateway_funding_profile.QuoteFundingGate, error) {
+	if s == nil || s.fundingResolver == nil {
+		return nil, nil
+	}
+
+	profile, err := s.fundingResolver.ResolveGatewayFundingProfile(ctx, gateway_funding_profile.FundingProfileRequest{
+		OrganizationRef: strings.TrimSpace(in.OrganizationRef),
+		GatewayID:       normalizeGatewayKey(in.GatewayID),
+		InstanceID:      strings.TrimSpace(in.InstanceID),
+		Rail:            in.Rail,
+		Network:         strings.TrimSpace(in.Network),
+		Currency:        strings.ToUpper(strings.TrimSpace(in.Currency)),
+		Amount:          in.Amount,
+		Source:          &in.Source,
+		Destination:     &in.Destination,
+		Attributes:      in.Attributes,
+	})
+	if err != nil {
+		return nil, err
+	}
+	if profile == nil {
+		return nil, nil
+	}
+	return gateway_funding_profile.BuildFundingGateFromProfile(profile, in.Amount)
+}

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

@@ -0,0 +1,147 @@
+package quote_computation_service
+
+import (
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/payments/storage/model"
+)
+
+func buildComputationSteps(
+	index int,
+	intent model.PaymentIntent,
+	destination model.PaymentEndpoint,
+) []*QuoteComputationStep {
+	if intent.Amount == nil {
+		return nil
+	}
+
+	attrs := intent.Attributes
+	amount := protoMoneyFromModel(intent.Amount)
+	sourceRail := sourceRailForIntent(intent)
+	destinationRail := destinationRailForIntent(intent)
+	sourceGatewayID := strings.TrimSpace(lookupAttr(attrs,
+		"source_gateway",
+		"sourceGateway",
+		"source_gateway_id",
+		"sourceGatewayId",
+	))
+	sourceInstanceID := strings.TrimSpace(lookupAttr(attrs, "source_instance_id", "sourceInstanceId"))
+	destinationGatewayID := gatewayKeyForFunding(attrs, destination)
+	destinationInstanceID := firstNonEmpty(
+		strings.TrimSpace(lookupAttr(attrs, "destination_instance_id", "destinationInstanceId")),
+		strings.TrimSpace(lookupAttr(attrs, "instance_id", "instanceId")),
+	)
+
+	sourceStepID := fmt.Sprintf("i%d.source", index)
+	steps := []*QuoteComputationStep{
+		{
+			StepID:             sourceStepID,
+			Rail:               sourceRail,
+			Operation:          sourceOperationForRail(sourceRail),
+			GatewayID:          sourceGatewayID,
+			InstanceID:         sourceInstanceID,
+			Amount:             cloneProtoMoney(amount),
+			Optional:           false,
+			IncludeInAggregate: false,
+		},
+	}
+
+	lastStepID := sourceStepID
+	if intent.RequiresFX {
+		fxStepID := fmt.Sprintf("i%d.fx", index)
+		steps = append(steps, &QuoteComputationStep{
+			StepID:             fxStepID,
+			Rail:               model.RailProviderSettlement,
+			Operation:          model.RailOperationFXConvert,
+			DependsOn:          []string{sourceStepID},
+			Amount:             cloneProtoMoney(amount),
+			Optional:           false,
+			IncludeInAggregate: false,
+		})
+		lastStepID = fxStepID
+	}
+
+	if requiresTransitBridgeStep(sourceRail, destinationRail) {
+		bridgeStepID := fmt.Sprintf("i%d.bridge", index)
+		steps = append(steps, &QuoteComputationStep{
+			StepID:             bridgeStepID,
+			Rail:               model.RailLedger,
+			Operation:          model.RailOperationMove,
+			DependsOn:          []string{lastStepID},
+			Amount:             cloneProtoMoney(amount),
+			Optional:           false,
+			IncludeInAggregate: false,
+		})
+		lastStepID = bridgeStepID
+	}
+
+	destinationStepID := fmt.Sprintf("i%d.destination", index)
+	steps = append(steps, &QuoteComputationStep{
+		StepID:             destinationStepID,
+		Rail:               destinationRail,
+		Operation:          destinationOperationForRail(destinationRail),
+		GatewayID:          destinationGatewayID,
+		InstanceID:         destinationInstanceID,
+		DependsOn:          []string{lastStepID},
+		Amount:             cloneProtoMoney(amount),
+		Optional:           false,
+		IncludeInAggregate: true,
+	})
+
+	return steps
+}
+
+func requiresTransitBridgeStep(sourceRail, destinationRail model.Rail) bool {
+	if sourceRail == model.RailUnspecified || destinationRail == model.RailUnspecified {
+		return false
+	}
+	if sourceRail == destinationRail {
+		return false
+	}
+	if sourceRail == model.RailLedger || destinationRail == model.RailLedger {
+		return false
+	}
+	return true
+}
+
+func sourceRailForIntent(intent model.PaymentIntent) model.Rail {
+	if intent.Source.Type == model.EndpointTypeLedger {
+		return model.RailLedger
+	}
+	if intent.Source.Type == model.EndpointTypeManagedWallet || intent.Source.Type == model.EndpointTypeExternalChain {
+		return model.RailCrypto
+	}
+	return model.RailLedger
+}
+
+func destinationRailForIntent(intent model.PaymentIntent) model.Rail {
+	switch intent.Destination.Type {
+	case model.EndpointTypeCard:
+		return model.RailCardPayout
+	case model.EndpointTypeManagedWallet, model.EndpointTypeExternalChain:
+		return model.RailCrypto
+	case model.EndpointTypeLedger:
+		return model.RailLedger
+	default:
+		return model.RailProviderSettlement
+	}
+}
+
+func sourceOperationForRail(rail model.Rail) model.RailOperation {
+	if rail == model.RailLedger {
+		return model.RailOperationMove
+	}
+	return model.RailOperationExternalDebit
+}
+
+func destinationOperationForRail(rail model.Rail) model.RailOperation {
+	switch rail {
+	case model.RailLedger:
+		return model.RailOperationMove
+	case model.RailCardPayout:
+		return model.RailOperationSend
+	default:
+		return model.RailOperationExternalCredit
+	}
+}

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

@@ -0,0 +1,95 @@
+package quote_computation_service
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func validateQuoteRouteBinding(quote *ComputedQuote, input BuildQuoteInput) error {
+	if quote == nil {
+		return merrors.InvalidArgument("computed quote is required")
+	}
+	if input.Route == nil {
+		return merrors.InvalidArgument("build_quote_input.route is required")
+	}
+	if quote.Route == nil {
+		return merrors.InvalidArgument("computed quote route is required")
+	}
+	if !sameRouteSpecification(quote.Route, input.Route) {
+		return merrors.InvalidArgument("computed quote route must match selected route")
+	}
+	return nil
+}
+
+func sameRouteSpecification(left, right *quotationv2.RouteSpecification) bool {
+	if left == nil || right == nil {
+		return left == right
+	}
+	return normalizeRail(left.GetRail()) == normalizeRail(right.GetRail()) &&
+		normalizeProvider(left.GetProvider()) == normalizeProvider(right.GetProvider()) &&
+		normalizePayoutMethod(left.GetPayoutMethod()) == normalizePayoutMethod(right.GetPayoutMethod()) &&
+		normalizeAsset(left.GetSettlementAsset()) == normalizeAsset(right.GetSettlementAsset()) &&
+		normalizeSettlementModel(left.GetSettlementModel()) == normalizeSettlementModel(right.GetSettlementModel()) &&
+		normalizeNetwork(left.GetNetwork()) == normalizeNetwork(right.GetNetwork()) &&
+		sameRouteReference(left.GetRouteRef(), right.GetRouteRef()) &&
+		samePricingProfileReference(left.GetPricingProfileRef(), right.GetPricingProfileRef()) &&
+		sameRouteHops(left.GetHops(), right.GetHops())
+}
+
+func normalizeRail(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func normalizeProvider(value string) string {
+	return strings.ToLower(strings.TrimSpace(value))
+}
+
+func normalizePayoutMethod(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func normalizeAsset(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func normalizeSettlementModel(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func normalizeNetwork(value string) string {
+	return strings.ToLower(strings.TrimSpace(value))
+}
+
+func sameRouteReference(left, right string) bool {
+	return strings.TrimSpace(left) == strings.TrimSpace(right)
+}
+
+func samePricingProfileReference(left, right string) bool {
+	return strings.TrimSpace(left) == strings.TrimSpace(right)
+}
+
+func sameRouteHops(left, right []*quotationv2.RouteHop) bool {
+	if len(left) != len(right) {
+		return false
+	}
+	for i := range left {
+		if !sameRouteHop(left[i], right[i]) {
+			return false
+		}
+	}
+	return true
+}
+
+func sameRouteHop(left, right *quotationv2.RouteHop) bool {
+	if left == nil || right == nil {
+		return left == right
+	}
+	return left.GetIndex() == right.GetIndex() &&
+		normalizeRail(left.GetRail()) == normalizeRail(right.GetRail()) &&
+		normalizeProvider(left.GetGateway()) == normalizeProvider(right.GetGateway()) &&
+		strings.TrimSpace(left.GetInstanceId()) == strings.TrimSpace(right.GetInstanceId()) &&
+		normalizeNetwork(left.GetNetwork()) == normalizeNetwork(right.GetNetwork()) &&
+		left.GetRole() == right.GetRole()
+}

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

@@ -0,0 +1,236 @@
+package quote_computation_service
+
+import (
+	"crypto/sha256"
+	"encoding/hex"
+	"fmt"
+	"sort"
+	"strings"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/gateway_funding_profile"
+	"github.com/tech/sendico/payments/storage/model"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func buildRouteSpecification(
+	intent model.PaymentIntent,
+	destination model.PaymentEndpoint,
+	destinationRail model.Rail,
+	network string,
+	provider string,
+	steps []*QuoteComputationStep,
+) *quotationv2.RouteSpecification {
+	hops := buildRouteHops(steps, network)
+	if strings.TrimSpace(provider) == "" {
+		provider = providerFromHops(hops)
+	}
+	route := &quotationv2.RouteSpecification{
+		Rail:            normalizeRail(string(destinationRail)),
+		Provider:        normalizeProvider(provider),
+		PayoutMethod:    normalizePayoutMethod(payoutMethodFromEndpoint(destination)),
+		SettlementAsset: normalizeAsset(intent.SettlementCurrency),
+		SettlementModel: normalizeSettlementModel(settlementModelString(intent.SettlementMode)),
+		Network:         normalizeNetwork(network),
+		Hops:            hops,
+	}
+	if route.SettlementAsset == "" && intent.Amount != nil {
+		route.SettlementAsset = normalizeAsset(intent.Amount.GetCurrency())
+	}
+	route.RouteRef = buildRouteReference(route)
+	route.PricingProfileRef = buildPricingProfileReference(route)
+	return route
+}
+
+func buildExecutionConditions(
+	previewOnly bool,
+	steps []*QuoteComputationStep,
+	funding *gateway_funding_profile.QuoteFundingGate,
+) (*quotationv2.ExecutionConditions, quotationv2.QuoteBlockReason) {
+	blockReason := quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	conditions := &quotationv2.ExecutionConditions{
+		Readiness:                         quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY,
+		BatchingEligible:                  isBatchingEligible(steps),
+		PrefundingRequired:                false,
+		PrefundingCostIncluded:            false,
+		LiquidityCheckRequiredAtExecution: true,
+		LatencyHint:                       "instant",
+		Assumptions: []string{
+			"execution_time_liquidity_check",
+			"execution_time_provider_limits",
+		},
+	}
+
+	if previewOnly {
+		conditions.Readiness = quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_INDICATIVE
+		conditions.LatencyHint = "indicative"
+	}
+
+	if funding != nil {
+		switch funding.Mode {
+		case model.FundingModeBalanceReserve:
+			conditions.PrefundingRequired = true
+			conditions.LatencyHint = "reserve_before_payout"
+		case model.FundingModeDepositObserved:
+			conditions.PrefundingRequired = true
+			conditions.LatencyHint = "deposit_confirmation_required"
+		}
+	}
+
+	if !previewOnly && conditions.PrefundingRequired {
+		conditions.Readiness = quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_OBTAINABLE
+		conditions.Assumptions = append(conditions.Assumptions, "prefunding_may_be_required_at_execution")
+	}
+
+	if !previewOnly && !conditions.PrefundingRequired {
+		conditions.Assumptions = append(conditions.Assumptions, "liquidity_expected_available_now")
+	}
+
+	return conditions, blockReason
+}
+
+func payoutMethodFromEndpoint(endpoint model.PaymentEndpoint) string {
+	switch endpoint.Type {
+	case model.EndpointTypeCard:
+		return "CARD"
+	case model.EndpointTypeExternalChain:
+		return "CRYPTO_ADDRESS"
+	case model.EndpointTypeManagedWallet:
+		return "MANAGED_WALLET"
+	case model.EndpointTypeLedger:
+		return "LEDGER"
+	default:
+		return "UNSPECIFIED"
+	}
+}
+
+func settlementModelString(mode model.SettlementMode) string {
+	switch mode {
+	case model.SettlementModeFixSource:
+		return "FIX_SOURCE"
+	case model.SettlementModeFixReceived:
+		return "FIX_RECEIVED"
+	default:
+		return "UNSPECIFIED"
+	}
+}
+
+func isBatchingEligible(steps []*QuoteComputationStep) bool {
+	for _, step := range steps {
+		if step != nil && step.IncludeInAggregate {
+			return true
+		}
+	}
+	return false
+}
+
+func buildRouteHops(steps []*QuoteComputationStep, fallbackNetwork string) []*quotationv2.RouteHop {
+	filtered := make([]*QuoteComputationStep, 0, len(steps))
+	for _, step := range steps {
+		if step == nil {
+			continue
+		}
+		filtered = append(filtered, step)
+	}
+	if len(filtered) == 0 {
+		return nil
+	}
+	result := make([]*quotationv2.RouteHop, 0, len(filtered))
+	lastIndex := len(filtered) - 1
+	for i, step := range filtered {
+		hop := &quotationv2.RouteHop{
+			Index:      uint32(i + 1),
+			Rail:       normalizeRail(string(step.Rail)),
+			Gateway:    normalizeProvider(step.GatewayID),
+			InstanceId: strings.TrimSpace(step.InstanceID),
+			Network:    normalizeNetwork(firstNonEmpty(fallbackNetwork)),
+			Role:       roleForHopIndex(i, lastIndex),
+		}
+		if hop.Gateway == "" && hop.Rail == normalizeRail(string(model.RailLedger)) {
+			hop.Gateway = "internal"
+		}
+		result = append(result, hop)
+	}
+	return result
+}
+
+func roleForHopIndex(index, last int) quotationv2.RouteHopRole {
+	switch {
+	case index <= 0:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_SOURCE
+	case index >= last:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_DESTINATION
+	default:
+		return quotationv2.RouteHopRole_ROUTE_HOP_ROLE_TRANSIT
+	}
+}
+
+func providerFromHops(hops []*quotationv2.RouteHop) string {
+	for i := len(hops) - 1; i >= 0; i-- {
+		if hops[i] == nil {
+			continue
+		}
+		if gateway := normalizeProvider(hops[i].GetGateway()); gateway != "" {
+			return gateway
+		}
+	}
+	return ""
+}
+
+func buildRouteReference(route *quotationv2.RouteSpecification) string {
+	signature := routeTopologySignature(route, true)
+	if signature == "" {
+		return ""
+	}
+	sum := sha256.Sum256([]byte(signature))
+	return "rte_" + hex.EncodeToString(sum[:12])
+}
+
+func buildPricingProfileReference(route *quotationv2.RouteSpecification) string {
+	signature := routeTopologySignature(route, false)
+	if signature == "" {
+		return ""
+	}
+	sum := sha256.Sum256([]byte(signature))
+	return "fee_" + hex.EncodeToString(sum[:10])
+}
+
+func routeTopologySignature(route *quotationv2.RouteSpecification, includeInstances bool) string {
+	if route == nil {
+		return ""
+	}
+	parts := []string{
+		normalizeRail(route.GetRail()),
+		normalizeProvider(route.GetProvider()),
+		normalizePayoutMethod(route.GetPayoutMethod()),
+		normalizeAsset(route.GetSettlementAsset()),
+		normalizeSettlementModel(route.GetSettlementModel()),
+		normalizeNetwork(route.GetNetwork()),
+	}
+
+	hops := route.GetHops()
+	if len(hops) > 0 {
+		copied := make([]*quotationv2.RouteHop, 0, len(hops))
+		for _, hop := range hops {
+			if hop != nil {
+				copied = append(copied, hop)
+			}
+		}
+		sort.Slice(copied, func(i, j int) bool {
+			return copied[i].GetIndex() < copied[j].GetIndex()
+		})
+		for _, hop := range copied {
+			hopParts := []string{
+				fmt.Sprintf("%d", hop.GetIndex()),
+				normalizeRail(hop.GetRail()),
+				normalizeProvider(hop.GetGateway()),
+				normalizeNetwork(hop.GetNetwork()),
+				fmt.Sprintf("%d", hop.GetRole()),
+			}
+			if includeInstances {
+				hopParts = append(hopParts, strings.TrimSpace(hop.GetInstanceId()))
+			}
+			parts = append(parts, strings.Join(hopParts, ":"))
+		}
+	}
+	return strings.Join(parts, "|")
+}

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

@@ -0,0 +1,49 @@
+package quote_computation_service
+
+import (
+	"context"
+	"time"
+
+	"github.com/tech/sendico/payments/quotation/internal/service/plan"
+	"github.com/tech/sendico/payments/quotation/internal/service/quotation/gateway_funding_profile"
+)
+
+type Core interface {
+	BuildQuote(ctx context.Context, in BuildQuoteInput) (*ComputedQuote, time.Time, error)
+}
+
+type Option func(*QuoteComputationService)
+
+type QuoteComputationService struct {
+	core            Core
+	fundingResolver gateway_funding_profile.FundingProfileResolver
+	gatewayRegistry plan.GatewayRegistry
+}
+
+func New(core Core, opts ...Option) *QuoteComputationService {
+	svc := &QuoteComputationService{
+		core: core,
+	}
+	for _, opt := range opts {
+		if opt != nil {
+			opt(svc)
+		}
+	}
+	return svc
+}
+
+func WithFundingProfileResolver(resolver gateway_funding_profile.FundingProfileResolver) Option {
+	return func(svc *QuoteComputationService) {
+		if svc != nil {
+			svc.fundingResolver = resolver
+		}
+	}
+}
+
+func WithGatewayRegistry(registry plan.GatewayRegistry) Option {
+	return func(svc *QuoteComputationService) {
+		if svc != nil {
+			svc.gatewayRegistry = registry
+		}
+	}
+}

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

@@ -37,7 +37,7 @@ func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *quo
 		if err != nil {
 			return nil, time.Time{}, err
 		}
-		s.logger.Debug("fx quote attached to payment quote", zap.String("org_ref", orgRef))
+		s.logger.Debug("Fx quote attached to payment quote", zap.String("org_ref", orgRef))
 	}
 
 	payAmount, settlementAmountBeforeFees := resolveTradeAmounts(amount, fxQuote, fxSide)
@@ -448,7 +448,7 @@ func (s *Service) estimateNetworkFee(ctx context.Context, intent *sharedv1.Payme
 
 	resp, err := client.EstimateTransferFee(ctx, req)
 	if err != nil {
-		s.logger.Warn("chain gateway fee estimation failed", zap.Error(err))
+		s.logger.Warn("Chain gateway fee estimation failed", zap.Error(err))
 		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
 	}
 	return resp, nil
@@ -510,7 +510,7 @@ func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *quotat
 
 	quote, err := s.deps.oracle.client.GetQuote(ctx, params)
 	if err != nil {
-		s.logger.Warn("fx oracle quote failed", zap.Error(err))
+		s.logger.Warn("Fx oracle quote failed", zap.Error(err))
 		return nil, merrors.Internal(fmt.Sprintf("orchestrator: fx quote failed, %s", err.Error()))
 	}
 	if quote == nil {

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

@@ -0,0 +1,175 @@
+package quote_executability_classifier
+
+import (
+	"errors"
+
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+type blockReasonError struct {
+	reason quotationv2.QuoteBlockReason
+	cause  error
+}
+
+func (e *blockReasonError) Error() string {
+	if e == nil {
+		return ""
+	}
+	if e.cause == nil {
+		return e.reason.String()
+	}
+	return e.cause.Error()
+}
+
+func (e *blockReasonError) Unwrap() error {
+	if e == nil {
+		return nil
+	}
+	return e.cause
+}
+
+func (e *blockReasonError) BlockReason() quotationv2.QuoteBlockReason {
+	if e == nil {
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	}
+	return e.reason
+}
+
+func Wrap(err error, reason quotationv2.QuoteBlockReason) error {
+	if err == nil {
+		return nil
+	}
+	return &blockReasonError{
+		reason: reason,
+		cause:  err,
+	}
+}
+
+func WrapRouteUnavailable(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE)
+}
+
+func WrapLimitBlocked(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_LIMIT_BLOCKED)
+}
+
+func WrapRiskBlocked(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_RISK_BLOCKED)
+}
+
+func WrapInsufficientLiquidity(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY)
+}
+
+func WrapPriceStale(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_PRICE_STALE)
+}
+
+func WrapAmountTooSmall(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_SMALL)
+}
+
+func WrapAmountTooLarge(err error) error {
+	return Wrap(err, quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_LARGE)
+}
+
+func Extract(err error) (quotationv2.QuoteBlockReason, bool) {
+	var reasonErr interface {
+		BlockReason() quotationv2.QuoteBlockReason
+	}
+	if errors.As(err, &reasonErr) {
+		reason := reasonErr.BlockReason()
+		if reason != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED {
+			return reason, true
+		}
+	}
+	return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED, false
+}
+
+type ExecutionStatus struct {
+	set         bool
+	executable  bool
+	blockReason quotationv2.QuoteBlockReason
+}
+
+func (s ExecutionStatus) IsSet() bool {
+	return s.set
+}
+
+func (s ExecutionStatus) IsExecutable() bool {
+	return s.set && s.executable
+}
+
+func (s ExecutionStatus) BlockReason() quotationv2.QuoteBlockReason {
+	if !s.set || s.executable {
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	}
+	return s.blockReason
+}
+
+func (s ExecutionStatus) Apply(quote *quotationv2.PaymentQuote) {
+	if quote == nil {
+		return
+	}
+	if !s.set {
+		quote.ExecutionStatus = nil
+		return
+	}
+	if s.executable {
+		quote.ExecutionStatus = &quotationv2.PaymentQuote_Executable{Executable: true}
+		return
+	}
+	quote.ExecutionStatus = &quotationv2.PaymentQuote_BlockReason{
+		BlockReason: s.blockReason,
+	}
+}
+
+type QuoteExecutabilityClassifier struct{}
+
+func New() *QuoteExecutabilityClassifier {
+	return &QuoteExecutabilityClassifier{}
+}
+
+func (c *QuoteExecutabilityClassifier) BuildExecutionStatus(
+	kind quotationv2.QuoteKind,
+	lifecycle quotationv2.QuoteLifecycle,
+	blockReason quotationv2.QuoteBlockReason,
+) ExecutionStatus {
+	if kind != quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE ||
+		lifecycle != quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE {
+		return ExecutionStatus{}
+	}
+	if blockReason == quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED {
+		return ExecutionStatus{
+			set:        true,
+			executable: true,
+		}
+	}
+	return ExecutionStatus{
+		set:         true,
+		executable:  false,
+		blockReason: blockReason,
+	}
+}
+
+func (c *QuoteExecutabilityClassifier) BlockReasonFromError(err error) quotationv2.QuoteBlockReason {
+	if err == nil {
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	}
+
+	if reason, ok := Extract(err); ok {
+		return reason
+	}
+
+	switch {
+	case errors.Is(err, merrors.ErrNoData):
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE
+	case errors.Is(err, merrors.ErrAccessDenied), errors.Is(err, merrors.ErrUnauthorized):
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_RISK_BLOCKED
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE
+	default:
+		return quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+	}
+}

api/payments/quotation/internal/service/quotation/quote_executability_classifier/quote_executability_classifier_test.go

@@ -0,0 +1,160 @@
+package quote_executability_classifier
+
+import (
+	"errors"
+	"testing"
+
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func TestExtract_TypedReasonWrapper(t *testing.T) {
+	base := merrors.InvalidArgument("x")
+	err := WrapAmountTooSmall(base)
+
+	reason, ok := Extract(err)
+	if !ok {
+		t.Fatalf("expected extracted reason")
+	}
+	if reason != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_SMALL {
+		t.Fatalf("unexpected reason: %s", reason.String())
+	}
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected wrapped error to preserve cause")
+	}
+}
+
+func TestBlockReasonFromError(t *testing.T) {
+	classifier := New()
+
+	tests := []struct {
+		name string
+		err  error
+		want quotationv2.QuoteBlockReason
+	}{
+		{
+			name: "nil error",
+			err:  nil,
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+		},
+		{
+			name: "typed wrapper wins",
+			err:  WrapInsufficientLiquidity(merrors.InvalidArgument("x")),
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY,
+		},
+		{
+			name: "no data fallback",
+			err:  merrors.NoData("x"),
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE,
+		},
+		{
+			name: "access denied fallback",
+			err:  merrors.AccessDenied("payment", "execute", bson.NilObjectID),
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_RISK_BLOCKED,
+		},
+		{
+			name: "invalid arg fallback",
+			err:  merrors.InvalidArgument("x"),
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE,
+		},
+		{
+			name: "unknown error",
+			err:  errors.New("boom"),
+			want: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			got := classifier.BlockReasonFromError(tt.err)
+			if got != tt.want {
+				t.Fatalf("unexpected block reason: got=%s want=%s", got.String(), tt.want.String())
+			}
+		})
+	}
+}
+
+func TestBuildExecutionStatus(t *testing.T) {
+	classifier := New()
+
+	activeExecutable := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+	)
+	if !activeExecutable.IsSet() {
+		t.Fatalf("expected status to be set")
+	}
+	if !activeExecutable.IsExecutable() {
+		t.Fatalf("expected executable status")
+	}
+
+	blocked := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_PRICE_STALE,
+	)
+	if !blocked.IsSet() {
+		t.Fatalf("expected blocked status to be set")
+	}
+	if blocked.IsExecutable() {
+		t.Fatalf("expected blocked status")
+	}
+	if blocked.BlockReason() != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_PRICE_STALE {
+		t.Fatalf("unexpected block reason: %s", blocked.BlockReason().String())
+	}
+
+	indicative := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE,
+	)
+	if indicative.IsSet() {
+		t.Fatalf("expected no execution status for indicative quote")
+	}
+
+	expired := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_EXPIRED,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+	)
+	if expired.IsSet() {
+		t.Fatalf("expected no execution status for expired quote")
+	}
+}
+
+func TestApply(t *testing.T) {
+	classifier := New()
+	quote := &quotationv2.PaymentQuote{}
+
+	unset := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+	)
+	unset.Apply(quote)
+	if quote.GetExecutionStatus() != nil {
+		t.Fatalf("expected unset execution status")
+	}
+
+	executable := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED,
+	)
+	executable.Apply(quote)
+	if !quote.GetExecutable() {
+		t.Fatalf("expected executable=true")
+	}
+
+	blocked := classifier.BuildExecutionStatus(
+		quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+		quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY,
+	)
+	blocked.Apply(quote)
+	if got := quote.GetBlockReason(); got != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY {
+		t.Fatalf("unexpected block reason: %s", got.String())
+	}
+}

api/payments/quotation/internal/service/quotation/quote_idempotency_service/errors.go

@@ -0,0 +1,8 @@
+package quote_idempotency_service
+
+import "errors"
+
+var (
+	ErrIdempotencyParamMismatch = errors.New("idempotency key reuse with different parameters")
+	ErrIdempotencyShapeMismatch = errors.New("idempotency key already used for a different quote shape")
+)

api/payments/quotation/internal/service/quotation/quote_idempotency_service/fingerprint.go

@@ -0,0 +1,48 @@
+package quote_idempotency_service
+
+import (
+	"crypto/sha256"
+	"encoding/hex"
+
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"google.golang.org/protobuf/proto"
+)
+
+func (s *QuoteIdempotencyService) FingerprintQuotePayment(req *quotationv2.QuotePaymentRequest) string {
+	if req == nil {
+		return hashBytes([]byte("nil_request"))
+	}
+
+	cloned := proto.Clone(req).(*quotationv2.QuotePaymentRequest)
+	cloned.Meta = nil
+	cloned.IdempotencyKey = ""
+	cloned.PreviewOnly = false
+
+	return fingerprintMessage(cloned)
+}
+
+func (s *QuoteIdempotencyService) FingerprintQuotePayments(req *quotationv2.QuotePaymentsRequest) string {
+	if req == nil {
+		return hashBytes([]byte("nil_request"))
+	}
+
+	cloned := proto.Clone(req).(*quotationv2.QuotePaymentsRequest)
+	cloned.Meta = nil
+	cloned.IdempotencyKey = ""
+	cloned.PreviewOnly = false
+
+	return fingerprintMessage(cloned)
+}
+
+func fingerprintMessage(msg proto.Message) string {
+	b, err := proto.MarshalOptions{Deterministic: true}.Marshal(msg)
+	if err != nil {
+		return hashBytes([]byte("marshal_error"))
+	}
+	return hashBytes(b)
+}
+
+func hashBytes(data []byte) string {
+	sum := sha256.Sum256(data)
+	return hex.EncodeToString(sum[:])
+}

api/payments/quotation/internal/service/quotation/quote_idempotency_service/fingerprint_test.go

@@ -0,0 +1,120 @@
+package quote_idempotency_service
+
+import (
+	"testing"
+
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"google.golang.org/protobuf/proto"
+)
+
+func TestFingerprintQuotePayment_IgnoresTransportFields(t *testing.T) {
+	svc := New()
+	base := &quotationv2.QuotePaymentRequest{
+		Meta:           &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()},
+		IdempotencyKey: "idem-a",
+		Intent:         testTransferIntent("10"),
+		PreviewOnly:    false,
+		InitiatorRef:   "actor-1",
+	}
+	alt := proto.Clone(base).(*quotationv2.QuotePaymentRequest)
+	alt.Meta = &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()}
+	alt.IdempotencyKey = "idem-b"
+	alt.PreviewOnly = true
+
+	if got, want := svc.FingerprintQuotePayment(base), svc.FingerprintQuotePayment(alt); got != want {
+		t.Fatalf("expected same fingerprint, got %q != %q", got, want)
+	}
+}
+
+func TestFingerprintQuotePayment_DetectsBusinessPayloadChanges(t *testing.T) {
+	svc := New()
+	base := &quotationv2.QuotePaymentRequest{
+		Meta:           &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()},
+		IdempotencyKey: "idem-a",
+		Intent:         testTransferIntent("10"),
+		InitiatorRef:   "actor-1",
+	}
+
+	changedInitiator := proto.Clone(base).(*quotationv2.QuotePaymentRequest)
+	changedInitiator.InitiatorRef = "actor-2"
+	if got, want := svc.FingerprintQuotePayment(base), svc.FingerprintQuotePayment(changedInitiator); got == want {
+		t.Fatalf("expected different fingerprint for initiator change")
+	}
+
+	changedAmount := proto.Clone(base).(*quotationv2.QuotePaymentRequest)
+	changedAmount.Intent = testTransferIntent("11")
+	if got, want := svc.FingerprintQuotePayment(base), svc.FingerprintQuotePayment(changedAmount); got == want {
+		t.Fatalf("expected different fingerprint for amount change")
+	}
+}
+
+func TestFingerprintQuotePayments_IgnoresTransportFields(t *testing.T) {
+	svc := New()
+	base := &quotationv2.QuotePaymentsRequest{
+		Meta:           &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()},
+		IdempotencyKey: "idem-a",
+		Intents: []*transferv1.TransferIntent{
+			testTransferIntent("10"),
+			testTransferIntent("20"),
+		},
+		PreviewOnly:  false,
+		InitiatorRef: "actor-1",
+	}
+	alt := proto.Clone(base).(*quotationv2.QuotePaymentsRequest)
+	alt.Meta = &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()}
+	alt.IdempotencyKey = "idem-b"
+	alt.PreviewOnly = true
+
+	if got, want := svc.FingerprintQuotePayments(base), svc.FingerprintQuotePayments(alt); got != want {
+		t.Fatalf("expected same fingerprint, got %q != %q", got, want)
+	}
+}
+
+func TestFingerprintQuotePayments_DetectsBusinessPayloadChanges(t *testing.T) {
+	svc := New()
+	base := &quotationv2.QuotePaymentsRequest{
+		Meta:           &sharedv1.RequestMeta{OrganizationRef: bson.NewObjectID().Hex()},
+		IdempotencyKey: "idem-a",
+		Intents: []*transferv1.TransferIntent{
+			testTransferIntent("10"),
+			testTransferIntent("20"),
+		},
+		InitiatorRef: "actor-1",
+	}
+
+	changedInitiator := proto.Clone(base).(*quotationv2.QuotePaymentsRequest)
+	changedInitiator.InitiatorRef = "actor-2"
+	if got, want := svc.FingerprintQuotePayments(base), svc.FingerprintQuotePayments(changedInitiator); got == want {
+		t.Fatalf("expected different fingerprint for initiator change")
+	}
+
+	reordered := proto.Clone(base).(*quotationv2.QuotePaymentsRequest)
+	reordered.Intents = []*transferv1.TransferIntent{
+		testTransferIntent("20"),
+		testTransferIntent("10"),
+	}
+	if got, want := svc.FingerprintQuotePayments(base), svc.FingerprintQuotePayments(reordered); got == want {
+		t.Fatalf("expected different fingerprint for intent order change")
+	}
+}
+
+func testTransferIntent(amount string) *transferv1.TransferIntent {
+	return &transferv1.TransferIntent{
+		Source:      endpointWithMethodRef("pm-src"),
+		Destination: endpointWithMethodRef("pm-dst"),
+		Amount:      &moneyv1.Money{Amount: amount, Currency: "USD"},
+	}
+}
+
+func endpointWithMethodRef(methodRef string) *endpointv1.PaymentEndpoint {
+	return &endpointv1.PaymentEndpoint{
+		Source: &endpointv1.PaymentEndpoint_PaymentMethodRef{
+			PaymentMethodRef: methodRef,
+		},
+	}
+}

api/payments/quotation/internal/service/quotation/quote_idempotency_service/reuse.go

@@ -0,0 +1,113 @@
+package quote_idempotency_service
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/tech/sendico/payments/storage/model"
+	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type ReuseInput struct {
+	OrganizationID bson.ObjectID
+	IdempotencyKey string
+	Fingerprint    string
+	Shape          QuoteShape
+}
+
+type CreateInput struct {
+	Record *model.PaymentQuoteRecord
+	Reuse  ReuseInput
+}
+
+func (s *QuoteIdempotencyService) TryReuse(
+	ctx context.Context,
+	quotesStore quotestorage.QuotesStore,
+	in ReuseInput,
+) (*model.PaymentQuoteRecord, bool, error) {
+
+	if quotesStore == nil {
+		return nil, false, merrors.InvalidArgument("quotes store is required")
+	}
+	if in.OrganizationID == bson.NilObjectID {
+		return nil, false, merrors.InvalidArgument("organization_id is required")
+	}
+
+	idempotencyKey := strings.TrimSpace(in.IdempotencyKey)
+	if idempotencyKey == "" {
+		return nil, false, merrors.InvalidArgument("idempotency_key is required")
+	}
+	fingerprint := strings.TrimSpace(in.Fingerprint)
+	if fingerprint == "" {
+		return nil, false, merrors.InvalidArgument("fingerprint is required")
+	}
+
+	record, err := quotesStore.GetByIdempotencyKey(ctx, in.OrganizationID, idempotencyKey)
+	if err != nil {
+		if errors.Is(err, quotestorage.ErrQuoteNotFound) || errors.Is(err, merrors.ErrNoData) {
+			return nil, false, nil
+		}
+		return nil, false, err
+	}
+	if record == nil {
+		return nil, false, nil
+	}
+
+	if !shapeMatches(record, in.Shape) {
+		return nil, false, ErrIdempotencyShapeMismatch
+	}
+	if strings.TrimSpace(record.Hash) != fingerprint {
+		return nil, false, ErrIdempotencyParamMismatch
+	}
+
+	return record, true, nil
+}
+
+func (s *QuoteIdempotencyService) CreateOrReuse(
+	ctx context.Context,
+	quotesStore quotestorage.QuotesStore,
+	in CreateInput,
+) (*model.PaymentQuoteRecord, bool, error) {
+
+	if quotesStore == nil {
+		return nil, false, merrors.InvalidArgument("quotes store is required")
+	}
+	if in.Record == nil {
+		return nil, false, merrors.InvalidArgument("record is required")
+	}
+
+	if err := quotesStore.Create(ctx, in.Record); err != nil {
+		if !errors.Is(err, quotestorage.ErrDuplicateQuote) {
+			return nil, false, err
+		}
+
+		record, reused, reuseErr := s.TryReuse(ctx, quotesStore, in.Reuse)
+		if reuseErr != nil {
+			return nil, false, reuseErr
+		}
+		if reused {
+			return record, true, nil
+		}
+		return nil, false, err
+	}
+
+	return in.Record, false, nil
+}
+
+func shapeMatches(record *model.PaymentQuoteRecord, shape QuoteShape) bool {
+	if record == nil {
+		return false
+	}
+
+	switch shape {
+	case QuoteShapeSingle:
+		return len(record.Quotes) == 0
+	case QuoteShapeBatch:
+		return len(record.Quotes) > 0
+	default:
+		return true
+	}
+}

api/payments/quotation/internal/service/quotation/quote_idempotency_service/reuse_test.go

@@ -0,0 +1,288 @@
+package quote_idempotency_service
+
+import (
+	"context"
+	"errors"
+	"testing"
+
+	"github.com/tech/sendico/payments/storage/model"
+	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func TestTryReuse_NotFound(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return nil, quotestorage.ErrQuoteNotFound
+		},
+	}
+
+	record, reused, err := svc.TryReuse(context.Background(), store, ReuseInput{
+		OrganizationID: bson.NewObjectID(),
+		IdempotencyKey: "idem-1",
+		Fingerprint:    "hash-1",
+		Shape:          QuoteShapeSingle,
+	})
+	if err != nil {
+		t.Fatalf("TryReuse returned error: %v", err)
+	}
+	if reused {
+		t.Fatalf("expected reused=false")
+	}
+	if record != nil {
+		t.Fatalf("expected nil record")
+	}
+}
+
+func TestTryReuse_ParamMismatch(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return &model.PaymentQuoteRecord{
+				IdempotencyKey: "idem-1",
+				Hash:           "stored-hash",
+				Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+			}, nil
+		},
+	}
+
+	_, _, err := svc.TryReuse(context.Background(), store, ReuseInput{
+		OrganizationID: bson.NewObjectID(),
+		IdempotencyKey: "idem-1",
+		Fingerprint:    "different-hash",
+		Shape:          QuoteShapeSingle,
+	})
+	if !errors.Is(err, ErrIdempotencyParamMismatch) {
+		t.Fatalf("expected ErrIdempotencyParamMismatch, got %v", err)
+	}
+}
+
+func TestTryReuse_ShapeMismatch(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return &model.PaymentQuoteRecord{
+				IdempotencyKey: "idem-1",
+				Hash:           "hash-1",
+				Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+			}, nil
+		},
+	}
+
+	_, _, err := svc.TryReuse(context.Background(), store, ReuseInput{
+		OrganizationID: bson.NewObjectID(),
+		IdempotencyKey: "idem-1",
+		Fingerprint:    "hash-1",
+		Shape:          QuoteShapeBatch,
+	})
+	if !errors.Is(err, ErrIdempotencyShapeMismatch) {
+		t.Fatalf("expected ErrIdempotencyShapeMismatch, got %v", err)
+	}
+}
+
+func TestTryReuse_ShapeMismatchSingle(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return &model.PaymentQuoteRecord{
+				IdempotencyKey: "idem-1",
+				Hash:           "hash-1",
+				Quotes: []*model.PaymentQuoteSnapshot{
+					{QuoteRef: "q1"},
+				},
+			}, nil
+		},
+	}
+
+	_, _, err := svc.TryReuse(context.Background(), store, ReuseInput{
+		OrganizationID: bson.NewObjectID(),
+		IdempotencyKey: "idem-1",
+		Fingerprint:    "hash-1",
+		Shape:          QuoteShapeSingle,
+	})
+	if !errors.Is(err, ErrIdempotencyShapeMismatch) {
+		t.Fatalf("expected ErrIdempotencyShapeMismatch, got %v", err)
+	}
+}
+
+func TestTryReuse_Success(t *testing.T) {
+	svc := New()
+	existing := &model.PaymentQuoteRecord{
+		IdempotencyKey: "idem-1",
+		Hash:           "hash-1",
+		Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+	}
+	store := &fakeQuotesStore{
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return existing, nil
+		},
+	}
+
+	record, reused, err := svc.TryReuse(context.Background(), store, ReuseInput{
+		OrganizationID: bson.NewObjectID(),
+		IdempotencyKey: "idem-1",
+		Fingerprint:    "hash-1",
+		Shape:          QuoteShapeSingle,
+	})
+	if err != nil {
+		t.Fatalf("TryReuse returned error: %v", err)
+	}
+	if !reused {
+		t.Fatalf("expected reused=true")
+	}
+	if record != existing {
+		t.Fatalf("expected existing record to be returned")
+	}
+}
+
+func TestCreateOrReuse_CreateSuccess(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		createFn: func(context.Context, *model.PaymentQuoteRecord) error { return nil },
+	}
+	record := &model.PaymentQuoteRecord{
+		IdempotencyKey: "idem-1",
+		Hash:           "hash-1",
+		Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+	}
+
+	got, reused, err := svc.CreateOrReuse(context.Background(), store, CreateInput{
+		Record: record,
+		Reuse: ReuseInput{
+			OrganizationID: bson.NewObjectID(),
+			IdempotencyKey: "idem-1",
+			Fingerprint:    "hash-1",
+			Shape:          QuoteShapeSingle,
+		},
+	})
+	if err != nil {
+		t.Fatalf("CreateOrReuse returned error: %v", err)
+	}
+	if reused {
+		t.Fatalf("expected reused=false")
+	}
+	if got != record {
+		t.Fatalf("expected newly created record")
+	}
+}
+
+func TestCreateOrReuse_DuplicateReturnsExisting(t *testing.T) {
+	svc := New()
+	existing := &model.PaymentQuoteRecord{
+		IdempotencyKey: "idem-1",
+		Hash:           "hash-1",
+		Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+	}
+	store := &fakeQuotesStore{
+		createFn: func(context.Context, *model.PaymentQuoteRecord) error { return quotestorage.ErrDuplicateQuote },
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return existing, nil
+		},
+	}
+	record := &model.PaymentQuoteRecord{
+		IdempotencyKey: "idem-1",
+		Hash:           "hash-1",
+		Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q2"},
+	}
+
+	got, reused, err := svc.CreateOrReuse(context.Background(), store, CreateInput{
+		Record: record,
+		Reuse: ReuseInput{
+			OrganizationID: bson.NewObjectID(),
+			IdempotencyKey: "idem-1",
+			Fingerprint:    "hash-1",
+			Shape:          QuoteShapeSingle,
+		},
+	})
+	if err != nil {
+		t.Fatalf("CreateOrReuse returned error: %v", err)
+	}
+	if !reused {
+		t.Fatalf("expected reused=true")
+	}
+	if got != existing {
+		t.Fatalf("expected existing record")
+	}
+}
+
+func TestCreateOrReuse_DuplicateParamMismatch(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		createFn: func(context.Context, *model.PaymentQuoteRecord) error { return quotestorage.ErrDuplicateQuote },
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return &model.PaymentQuoteRecord{
+				IdempotencyKey: "idem-1",
+				Hash:           "stored-hash",
+				Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q1"},
+			}, nil
+		},
+	}
+
+	_, _, err := svc.CreateOrReuse(context.Background(), store, CreateInput{
+		Record: &model.PaymentQuoteRecord{
+			IdempotencyKey: "idem-1",
+			Hash:           "new-hash",
+			Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q2"},
+		},
+		Reuse: ReuseInput{
+			OrganizationID: bson.NewObjectID(),
+			IdempotencyKey: "idem-1",
+			Fingerprint:    "new-hash",
+			Shape:          QuoteShapeSingle,
+		},
+	})
+	if !errors.Is(err, ErrIdempotencyParamMismatch) {
+		t.Fatalf("expected ErrIdempotencyParamMismatch, got %v", err)
+	}
+}
+
+func TestCreateOrReuse_DuplicateWithoutReusableRecordReturnsDuplicate(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{
+		createFn: func(context.Context, *model.PaymentQuoteRecord) error { return quotestorage.ErrDuplicateQuote },
+		getByIdempotencyKeyFn: func(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+			return nil, quotestorage.ErrQuoteNotFound
+		},
+	}
+
+	_, _, err := svc.CreateOrReuse(context.Background(), store, CreateInput{
+		Record: &model.PaymentQuoteRecord{
+			IdempotencyKey: "idem-1",
+			Hash:           "hash-1",
+			Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q2"},
+		},
+		Reuse: ReuseInput{
+			OrganizationID: bson.NewObjectID(),
+			IdempotencyKey: "idem-1",
+			Fingerprint:    "hash-1",
+			Shape:          QuoteShapeSingle,
+		},
+	})
+	if !errors.Is(err, quotestorage.ErrDuplicateQuote) {
+		t.Fatalf("expected ErrDuplicateQuote, got %v", err)
+	}
+}
+
+type fakeQuotesStore struct {
+	createFn              func(ctx context.Context, quote *model.PaymentQuoteRecord) error
+	getByIdempotencyKeyFn func(ctx context.Context, orgRef bson.ObjectID, idempotencyKey string) (*model.PaymentQuoteRecord, error)
+}
+
+func (f *fakeQuotesStore) Create(ctx context.Context, quote *model.PaymentQuoteRecord) error {
+	if f.createFn == nil {
+		return nil
+	}
+	return f.createFn(ctx, quote)
+}
+
+func (f *fakeQuotesStore) GetByRef(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+	return nil, quotestorage.ErrQuoteNotFound
+}
+
+func (f *fakeQuotesStore) GetByIdempotencyKey(ctx context.Context, orgRef bson.ObjectID, idempotencyKey string) (*model.PaymentQuoteRecord, error) {
+	if f.getByIdempotencyKeyFn == nil {
+		return nil, quotestorage.ErrQuoteNotFound
+	}
+	return f.getByIdempotencyKeyFn(ctx, orgRef, idempotencyKey)
+}

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

@@ -0,0 +1,15 @@
+package quote_idempotency_service
+
+type QuoteShape string
+
+const (
+	QuoteShapeUnspecified QuoteShape = "unspecified"
+	QuoteShapeSingle      QuoteShape = "single"
+	QuoteShapeBatch       QuoteShape = "batch"
+)
+
+type QuoteIdempotencyService struct{}
+
+func New() *QuoteIdempotencyService {
+	return &QuoteIdempotencyService{}
+}

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

@@ -0,0 +1,15 @@
+package quote_persistence_service
+
+import "strconv"
+
+func cloneBoolPtr(src *bool) *bool {
+	if src == nil {
+		return nil
+	}
+	value := *src
+	return &value
+}
+
+func itoa(value int) string {
+	return strconv.Itoa(value)
+}

api/payments/quotation/internal/service/quotation/quote_persistence_service/input.go

@@ -0,0 +1,33 @@
+package quote_persistence_service
+
+import (
+	"time"
+
+	"github.com/tech/sendico/payments/storage/model"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type StatusInput struct {
+	Kind        quotationv2.QuoteKind
+	Lifecycle   quotationv2.QuoteLifecycle
+	Executable  *bool
+	BlockReason quotationv2.QuoteBlockReason
+}
+
+type PersistInput struct {
+	OrganizationID bson.ObjectID
+	QuoteRef       string
+	IdempotencyKey string
+	Hash           string
+	ExpiresAt      time.Time
+
+	Intent  *model.PaymentIntent
+	Intents []model.PaymentIntent
+
+	Quote  *model.PaymentQuoteSnapshot
+	Quotes []*model.PaymentQuoteSnapshot
+
+	Status   *StatusInput
+	Statuses []*StatusInput
+}

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

@@ -0,0 +1,104 @@
+package quote_persistence_service
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/payments/storage/model"
+	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type QuotePersistenceService struct{}
+
+func New() *QuotePersistenceService {
+	return &QuotePersistenceService{}
+}
+
+func (s *QuotePersistenceService) Persist(
+	ctx context.Context,
+	quotesStore quotestorage.QuotesStore,
+	in PersistInput,
+) (*model.PaymentQuoteRecord, error) {
+	if quotesStore == nil {
+		return nil, merrors.InvalidArgument("quotes store is required")
+	}
+
+	record, err := s.BuildRecord(in)
+	if err != nil {
+		return nil, err
+	}
+
+	if err := quotesStore.Create(ctx, record); err != nil {
+		return nil, err
+	}
+	return record, nil
+}
+
+func (s *QuotePersistenceService) BuildRecord(in PersistInput) (*model.PaymentQuoteRecord, error) {
+	if in.OrganizationID == bson.NilObjectID {
+		return nil, merrors.InvalidArgument("organization_id is required")
+	}
+	if strings.TrimSpace(in.QuoteRef) == "" {
+		return nil, merrors.InvalidArgument("quote_ref is required")
+	}
+	if strings.TrimSpace(in.IdempotencyKey) == "" {
+		return nil, merrors.InvalidArgument("idempotency_key is required")
+	}
+	if strings.TrimSpace(in.Hash) == "" {
+		return nil, merrors.InvalidArgument("hash is required")
+	}
+	if in.ExpiresAt.IsZero() {
+		return nil, merrors.InvalidArgument("expires_at is required")
+	}
+
+	isSingle := in.Quote != nil
+	isBatch := len(in.Quotes) > 0
+
+	if isSingle == isBatch {
+		return nil, merrors.InvalidArgument("exactly one quote shape is required")
+	}
+
+	record := &model.PaymentQuoteRecord{
+		QuoteRef:       strings.TrimSpace(in.QuoteRef),
+		IdempotencyKey: strings.TrimSpace(in.IdempotencyKey),
+		Hash:           strings.TrimSpace(in.Hash),
+		ExpiresAt:      in.ExpiresAt,
+	}
+	record.SetID(bson.NewObjectID())
+	record.SetOrganizationRef(in.OrganizationID)
+
+	if isSingle {
+		if in.Intent == nil {
+			return nil, merrors.InvalidArgument("intent is required")
+		}
+		status, err := mapStatusInput(in.Status)
+		if err != nil {
+			return nil, err
+		}
+		record.Intent = *in.Intent
+		record.Quote = in.Quote
+		record.StatusV2 = status
+		return record, nil
+	}
+
+	if len(in.Intents) == 0 {
+		return nil, merrors.InvalidArgument("intents are required")
+	}
+	if len(in.Intents) != len(in.Quotes) {
+		return nil, merrors.InvalidArgument("intents and quotes count mismatch")
+	}
+	statuses, err := mapStatusInputs(in.Statuses)
+	if err != nil {
+		return nil, err
+	}
+	if len(statuses) != len(in.Quotes) {
+		return nil, merrors.InvalidArgument("statuses and quotes count mismatch")
+	}
+
+	record.Intents = in.Intents
+	record.Quotes = in.Quotes
+	record.StatusesV2 = statuses
+	return record, nil
+}

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

@@ -0,0 +1,176 @@
+package quote_persistence_service
+
+import (
+	"context"
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/payments/storage/model"
+	quotestorage "github.com/tech/sendico/payments/storage/quote"
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func TestPersistSingle(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{}
+	orgID := bson.NewObjectID()
+	trueValue := true
+
+	record, err := svc.Persist(context.Background(), store, PersistInput{
+		OrganizationID: orgID,
+		QuoteRef:       "quote-1",
+		IdempotencyKey: "idem-1",
+		Hash:           "hash-1",
+		ExpiresAt:      time.Now().Add(time.Minute),
+		Intent:         &model.PaymentIntent{Ref: "intent-1"},
+		Quote: &model.PaymentQuoteSnapshot{
+			QuoteRef: "quote-1",
+		},
+		Status: &StatusInput{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable: &trueValue,
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if record == nil {
+		t.Fatalf("expected record")
+	}
+	if store.created == nil {
+		t.Fatalf("expected record to be created")
+	}
+	if store.created.ExecutionNote != "" {
+		t.Fatalf("expected no legacy execution note, got %q", store.created.ExecutionNote)
+	}
+	if store.created.StatusV2 == nil {
+		t.Fatalf("expected v2 status metadata")
+	}
+	if store.created.StatusV2.Kind != model.QuoteKindExecutable {
+		t.Fatalf("unexpected kind: %q", store.created.StatusV2.Kind)
+	}
+	if store.created.StatusV2.Executable == nil || !*store.created.StatusV2.Executable {
+		t.Fatalf("expected executable=true in persisted status")
+	}
+}
+
+func TestPersistBatch(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{}
+	orgID := bson.NewObjectID()
+
+	record, err := svc.Persist(context.Background(), store, PersistInput{
+		OrganizationID: orgID,
+		QuoteRef:       "quote-batch-1",
+		IdempotencyKey: "idem-batch-1",
+		Hash:           "hash-batch-1",
+		ExpiresAt:      time.Now().Add(time.Minute),
+		Intents: []model.PaymentIntent{
+			{Ref: "i1"},
+			{Ref: "i2"},
+		},
+		Quotes: []*model.PaymentQuoteSnapshot{
+			{QuoteRef: "q1"},
+			{QuoteRef: "q2"},
+		},
+		Statuses: []*StatusInput{
+			{
+				Kind:        quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+				Lifecycle:   quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+				BlockReason: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE,
+			},
+			{
+				Kind:      quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE,
+				Lifecycle: quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			},
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if record == nil {
+		t.Fatalf("expected record")
+	}
+	if len(record.StatusesV2) != 2 {
+		t.Fatalf("expected 2 statuses, got %d", len(record.StatusesV2))
+	}
+	if record.StatusesV2[0].BlockReason != model.QuoteBlockReasonRouteUnavailable {
+		t.Fatalf("unexpected first status block reason: %q", record.StatusesV2[0].BlockReason)
+	}
+}
+
+func TestPersistValidation(t *testing.T) {
+	svc := New()
+	store := &fakeQuotesStore{}
+	orgID := bson.NewObjectID()
+
+	_, err := svc.Persist(context.Background(), nil, PersistInput{})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for nil store, got %v", err)
+	}
+
+	_, err = svc.Persist(context.Background(), store, PersistInput{
+		OrganizationID: orgID,
+		QuoteRef:       "q",
+		IdempotencyKey: "i",
+		Hash:           "h",
+		ExpiresAt:      time.Now().Add(time.Minute),
+		Intent:         &model.PaymentIntent{Ref: "intent"},
+		Quote:          &model.PaymentQuoteSnapshot{QuoteRef: "q"},
+		Status: &StatusInput{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable: boolPtr(false),
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for executable=false, got %v", err)
+	}
+
+	_, err = svc.Persist(context.Background(), store, PersistInput{
+		OrganizationID: orgID,
+		QuoteRef:       "q",
+		IdempotencyKey: "i",
+		Hash:           "h",
+		ExpiresAt:      time.Now().Add(time.Minute),
+		Intents: []model.PaymentIntent{
+			{Ref: "i1"},
+		},
+		Quotes: []*model.PaymentQuoteSnapshot{
+			{QuoteRef: "q1"},
+		},
+		Statuses: []*StatusInput{},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument for statuses mismatch, got %v", err)
+	}
+}
+
+type fakeQuotesStore struct {
+	created   *model.PaymentQuoteRecord
+	createErr error
+}
+
+func (f *fakeQuotesStore) Create(_ context.Context, quote *model.PaymentQuoteRecord) error {
+	if f.createErr != nil {
+		return f.createErr
+	}
+	f.created = quote
+	return nil
+}
+
+func (f *fakeQuotesStore) GetByRef(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+	return nil, quotestorage.ErrQuoteNotFound
+}
+
+func (f *fakeQuotesStore) GetByIdempotencyKey(context.Context, bson.ObjectID, string) (*model.PaymentQuoteRecord, error) {
+	return nil, quotestorage.ErrQuoteNotFound
+}
+
+func boolPtr(v bool) *bool {
+	return &v
+}

api/payments/quotation/internal/service/quotation/quote_persistence_service/status_mapper.go

@@ -0,0 +1,87 @@
+package quote_persistence_service
+
+import (
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func mapStatusInput(input *StatusInput) (*model.QuoteStatusV2, error) {
+	if input == nil {
+		return nil, merrors.InvalidArgument("status is required")
+	}
+
+	if input.Executable != nil && !*input.Executable {
+		return nil, merrors.InvalidArgument("status.executable must be true when set")
+	}
+	if input.Executable != nil &&
+		input.BlockReason != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED {
+		return nil, merrors.InvalidArgument("status.executable and status.block_reason are mutually exclusive")
+	}
+
+	return &model.QuoteStatusV2{
+		Kind:        mapQuoteKind(input.Kind),
+		Lifecycle:   mapQuoteLifecycle(input.Lifecycle),
+		Executable:  cloneBoolPtr(input.Executable),
+		BlockReason: mapQuoteBlockReason(input.BlockReason),
+	}, nil
+}
+
+func mapStatusInputs(inputs []*StatusInput) ([]*model.QuoteStatusV2, error) {
+	if len(inputs) == 0 {
+		return nil, nil
+	}
+
+	result := make([]*model.QuoteStatusV2, 0, len(inputs))
+	for i, item := range inputs {
+		mapped, err := mapStatusInput(item)
+		if err != nil {
+			return nil, merrors.InvalidArgument("statuses[" + itoa(i) + "]: " + err.Error())
+		}
+		result = append(result, mapped)
+	}
+	return result, nil
+}
+
+func mapQuoteKind(kind quotationv2.QuoteKind) model.QuoteKind {
+	switch kind {
+	case quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE:
+		return model.QuoteKindExecutable
+	case quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE:
+		return model.QuoteKindIndicative
+	default:
+		return model.QuoteKindUnspecified
+	}
+}
+
+func mapQuoteLifecycle(lifecycle quotationv2.QuoteLifecycle) model.QuoteLifecycle {
+	switch lifecycle {
+	case quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE:
+		return model.QuoteLifecycleActive
+	case quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_EXPIRED:
+		return model.QuoteLifecycleExpired
+	default:
+		return model.QuoteLifecycleUnspecified
+	}
+}
+
+func mapQuoteBlockReason(reason quotationv2.QuoteBlockReason) model.QuoteBlockReason {
+	switch reason {
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE:
+		return model.QuoteBlockReasonRouteUnavailable
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_LIMIT_BLOCKED:
+		return model.QuoteBlockReasonLimitBlocked
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_RISK_BLOCKED:
+		return model.QuoteBlockReasonRiskBlocked
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_INSUFFICIENT_LIQUIDITY:
+		return model.QuoteBlockReasonInsufficientLiquidity
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_PRICE_STALE:
+		return model.QuoteBlockReasonPriceStale
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_SMALL:
+		return model.QuoteBlockReasonAmountTooSmall
+	case quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_AMOUNT_TOO_LARGE:
+		return model.QuoteBlockReasonAmountTooLarge
+	default:
+		return model.QuoteBlockReasonUnspecified
+	}
+}

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

@@ -0,0 +1,167 @@
+package quote_request_validator_v2
+
+import (
+	"errors"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+var (
+	ErrIdempotencyRequired    = errors.New("idempotency key is required")
+	ErrPreviewWithIdempotency = errors.New("preview requests must not use idempotency key")
+	ErrInitiatorRefRequired   = errors.New("initiator_ref is required")
+)
+
+type Context struct {
+	OrganizationRef string
+	OrganizationID  bson.ObjectID
+	IdempotencyKey  string
+	InitiatorRef    string
+	PreviewOnly     bool
+	IntentCount     int
+}
+
+type QuoteRequestValidatorV2 struct{}
+
+func New() *QuoteRequestValidatorV2 {
+	return &QuoteRequestValidatorV2{}
+}
+
+func (v *QuoteRequestValidatorV2) ValidateQuotePayment(req *quotationv2.QuotePaymentRequest) (*Context, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("nil request")
+	}
+
+	orgRef, orgID, err := validateMeta(req.GetMeta())
+	if err != nil {
+		return nil, err
+	}
+	if err := validateTransferIntent(req.GetIntent(), "intent"); err != nil {
+		return nil, err
+	}
+
+	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
+	previewOnly := req.GetPreviewOnly()
+	if err := validateIdempotency(idempotencyKey, previewOnly); err != nil {
+		return nil, err
+	}
+
+	initiatorRef := strings.TrimSpace(req.GetInitiatorRef())
+	if initiatorRef == "" {
+		return nil, ErrInitiatorRefRequired
+	}
+
+	return &Context{
+		OrganizationRef: orgRef,
+		OrganizationID:  orgID,
+		IdempotencyKey:  idempotencyKey,
+		InitiatorRef:    initiatorRef,
+		PreviewOnly:     previewOnly,
+		IntentCount:     1,
+	}, nil
+}
+
+func (v *QuoteRequestValidatorV2) ValidateQuotePayments(req *quotationv2.QuotePaymentsRequest) (*Context, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("nil request")
+	}
+
+	orgRef, orgID, err := validateMeta(req.GetMeta())
+	if err != nil {
+		return nil, err
+	}
+
+	intents := req.GetIntents()
+	if len(intents) == 0 {
+		return nil, merrors.InvalidArgument("intents are required")
+	}
+	for i, intent := range intents {
+		if err := validateTransferIntent(intent, fmt.Sprintf("intents[%d]", i)); err != nil {
+			return nil, err
+		}
+	}
+
+	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
+	previewOnly := req.GetPreviewOnly()
+	if err := validateIdempotency(idempotencyKey, previewOnly); err != nil {
+		return nil, err
+	}
+
+	initiatorRef := strings.TrimSpace(req.GetInitiatorRef())
+	if initiatorRef == "" {
+		return nil, ErrInitiatorRefRequired
+	}
+
+	return &Context{
+		OrganizationRef: orgRef,
+		OrganizationID:  orgID,
+		IdempotencyKey:  idempotencyKey,
+		InitiatorRef:    initiatorRef,
+		PreviewOnly:     previewOnly,
+		IntentCount:     len(intents),
+	}, nil
+}
+
+func validateMeta(meta *sharedv1.RequestMeta) (string, bson.ObjectID, error) {
+	if meta == nil {
+		return "", bson.NilObjectID, merrors.InvalidArgument("meta is required")
+	}
+
+	orgRef := strings.TrimSpace(meta.GetOrganizationRef())
+	if orgRef == "" {
+		return "", bson.NilObjectID, merrors.InvalidArgument("organization_ref is required")
+	}
+
+	orgID, err := bson.ObjectIDFromHex(orgRef)
+	if err != nil {
+		return "", bson.NilObjectID, merrors.InvalidArgument("organization_ref must be a valid objectID")
+	}
+
+	return orgRef, orgID, nil
+}
+
+func validateTransferIntent(intent *transferv1.TransferIntent, field string) error {
+	if intent == nil {
+		return merrors.InvalidArgument(field + " is required")
+	}
+	if !hasEndpointValue(intent.GetSource()) {
+		return merrors.InvalidArgument(field + ".source is required")
+	}
+	if !hasEndpointValue(intent.GetDestination()) {
+		return merrors.InvalidArgument(field + ".destination is required")
+	}
+	if intent.GetAmount() == nil {
+		return merrors.InvalidArgument(field + ".amount is required")
+	}
+	return nil
+}
+
+func hasEndpointValue(endpoint *endpointv1.PaymentEndpoint) bool {
+	if endpoint == nil {
+		return false
+	}
+	if strings.TrimSpace(endpoint.GetPaymentMethodRef()) != "" {
+		return true
+	}
+	if endpoint.GetPaymentMethod() != nil {
+		return true
+	}
+	return strings.TrimSpace(endpoint.GetPayeeRef()) != ""
+}
+
+func validateIdempotency(idempotencyKey string, previewOnly bool) error {
+	if previewOnly && idempotencyKey != "" {
+		return ErrPreviewWithIdempotency
+	}
+	if !previewOnly && idempotencyKey == "" {
+		return ErrIdempotencyRequired
+	}
+	return nil
+}

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

@@ -0,0 +1,251 @@
+package quote_request_validator_v2
+
+import (
+	"errors"
+	"strings"
+	"testing"
+
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func TestValidateQuotePayment_Success(t *testing.T) {
+	validator := New()
+	orgID := bson.NewObjectID()
+	req := &quotationv2.QuotePaymentRequest{
+		Meta:           &sharedv1.RequestMeta{OrganizationRef: orgID.Hex()},
+		IdempotencyKey: "idem-1",
+		Intent:         validTransferIntent(),
+		PreviewOnly:    false,
+		InitiatorRef:   "actor-1",
+	}
+
+	ctx, err := validator.ValidateQuotePayment(req)
+	if err != nil {
+		t.Fatalf("ValidateQuotePayment returned error: %v", err)
+	}
+	if ctx == nil {
+		t.Fatalf("expected validation context")
+	}
+	if got, want := ctx.OrganizationRef, orgID.Hex(); got != want {
+		t.Fatalf("expected organization_ref %q, got %q", want, got)
+	}
+	if got, want := ctx.OrganizationID, orgID; got != want {
+		t.Fatalf("expected organization_id %s, got %s", want.Hex(), got.Hex())
+	}
+	if got, want := ctx.IdempotencyKey, "idem-1"; got != want {
+		t.Fatalf("expected idempotency_key %q, got %q", want, got)
+	}
+	if got, want := ctx.InitiatorRef, "actor-1"; got != want {
+		t.Fatalf("expected initiator_ref %q, got %q", want, got)
+	}
+	if got, want := ctx.IntentCount, 1; got != want {
+		t.Fatalf("expected intent_count %d, got %d", want, got)
+	}
+}
+
+func TestValidateQuotePayment_Rules(t *testing.T) {
+	validator := New()
+	orgHex := bson.NewObjectID().Hex()
+
+	testCases := []struct {
+		name     string
+		req      *quotationv2.QuotePaymentRequest
+		checkErr func(error) bool
+	}{
+		{
+			name: "idempotency required for non-preview",
+			req: &quotationv2.QuotePaymentRequest{
+				Meta:         &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				Intent:       validTransferIntent(),
+				PreviewOnly:  false,
+				InitiatorRef: "actor-1",
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrIdempotencyRequired) },
+		},
+		{
+			name: "preview must not include idempotency",
+			req: &quotationv2.QuotePaymentRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intent:         validTransferIntent(),
+				PreviewOnly:    true,
+				InitiatorRef:   "actor-1",
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrPreviewWithIdempotency) },
+		},
+		{
+			name: "initiator ref required",
+			req: &quotationv2.QuotePaymentRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intent:         validTransferIntent(),
+				PreviewOnly:    false,
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrInitiatorRefRequired) },
+		},
+		{
+			name: "invalid org ref",
+			req: &quotationv2.QuotePaymentRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: "bad-org"},
+				IdempotencyKey: "idem-1",
+				Intent:         validTransferIntent(),
+				PreviewOnly:    false,
+				InitiatorRef:   "actor-1",
+			},
+			checkErr: func(err error) bool {
+				return err != nil && strings.Contains(err.Error(), "organization_ref must be a valid objectID")
+			},
+		},
+		{
+			name: "source required",
+			req: &quotationv2.QuotePaymentRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intent: &transferv1.TransferIntent{
+					Destination: endpointWithMethodRef("pm-dst"),
+					Amount:      &moneyv1.Money{Amount: "10", Currency: "USD"},
+				},
+				PreviewOnly:  false,
+				InitiatorRef: "actor-1",
+			},
+			checkErr: func(err error) bool { return err != nil && strings.Contains(err.Error(), "intent.source is required") },
+		},
+	}
+
+	for _, tc := range testCases {
+		t.Run(tc.name, func(t *testing.T) {
+			_, err := validator.ValidateQuotePayment(tc.req)
+			if !tc.checkErr(err) {
+				t.Fatalf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func TestValidateQuotePayments_Success(t *testing.T) {
+	validator := New()
+	orgID := bson.NewObjectID()
+	req := &quotationv2.QuotePaymentsRequest{
+		Meta:         &sharedv1.RequestMeta{OrganizationRef: orgID.Hex()},
+		Intents:      []*transferv1.TransferIntent{validTransferIntent(), validTransferIntent()},
+		PreviewOnly:  true,
+		InitiatorRef: "actor-1",
+	}
+
+	ctx, err := validator.ValidateQuotePayments(req)
+	if err != nil {
+		t.Fatalf("ValidateQuotePayments returned error: %v", err)
+	}
+	if ctx == nil {
+		t.Fatalf("expected validation context")
+	}
+	if got, want := ctx.IntentCount, 2; got != want {
+		t.Fatalf("expected intent_count %d, got %d", want, got)
+	}
+	if got, want := ctx.PreviewOnly, true; got != want {
+		t.Fatalf("expected preview_only %v, got %v", want, got)
+	}
+	if got, want := ctx.IdempotencyKey, ""; got != want {
+		t.Fatalf("expected idempotency_key %q, got %q", want, got)
+	}
+}
+
+func TestValidateQuotePayments_Rules(t *testing.T) {
+	validator := New()
+	orgHex := bson.NewObjectID().Hex()
+
+	testCases := []struct {
+		name     string
+		req      *quotationv2.QuotePaymentsRequest
+		checkErr func(error) bool
+	}{
+		{
+			name: "intents required",
+			req: &quotationv2.QuotePaymentsRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				PreviewOnly:    false,
+				InitiatorRef:   "actor-1",
+			},
+			checkErr: func(err error) bool { return err != nil && strings.Contains(err.Error(), "intents are required") },
+		},
+		{
+			name: "idempotency required for non-preview",
+			req: &quotationv2.QuotePaymentsRequest{
+				Meta:         &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				Intents:      []*transferv1.TransferIntent{validTransferIntent()},
+				PreviewOnly:  false,
+				InitiatorRef: "actor-1",
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrIdempotencyRequired) },
+		},
+		{
+			name: "preview must not include idempotency",
+			req: &quotationv2.QuotePaymentsRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intents:        []*transferv1.TransferIntent{validTransferIntent()},
+				PreviewOnly:    true,
+				InitiatorRef:   "actor-1",
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrPreviewWithIdempotency) },
+		},
+		{
+			name: "initiator ref required",
+			req: &quotationv2.QuotePaymentsRequest{
+				Meta:        &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				Intents:     []*transferv1.TransferIntent{validTransferIntent()},
+				PreviewOnly: true,
+			},
+			checkErr: func(err error) bool { return errors.Is(err, ErrInitiatorRefRequired) },
+		},
+		{
+			name: "indexed intent validation",
+			req: &quotationv2.QuotePaymentsRequest{
+				Meta:           &sharedv1.RequestMeta{OrganizationRef: orgHex},
+				IdempotencyKey: "idem-1",
+				Intents: []*transferv1.TransferIntent{
+					{
+						Source:      endpointWithMethodRef("pm-src"),
+						Destination: endpointWithMethodRef("pm-dst"),
+					},
+				},
+				PreviewOnly:  false,
+				InitiatorRef: "actor-1",
+			},
+			checkErr: func(err error) bool {
+				return err != nil && strings.Contains(err.Error(), "intents[0].amount is required")
+			},
+		},
+	}
+
+	for _, tc := range testCases {
+		t.Run(tc.name, func(t *testing.T) {
+			_, err := validator.ValidateQuotePayments(tc.req)
+			if !tc.checkErr(err) {
+				t.Fatalf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func validTransferIntent() *transferv1.TransferIntent {
+	return &transferv1.TransferIntent{
+		Source:      endpointWithMethodRef("pm-src"),
+		Destination: endpointWithMethodRef("pm-dst"),
+		Amount:      &moneyv1.Money{Amount: "10", Currency: "USD"},
+	}
+}
+
+func endpointWithMethodRef(methodRef string) *endpointv1.PaymentEndpoint {
+	return &endpointv1.PaymentEndpoint{
+		Source: &endpointv1.PaymentEndpoint_PaymentMethodRef{
+			PaymentMethodRef: methodRef,
+		},
+	}
+}

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

@@ -0,0 +1,140 @@
+package quote_response_mapper_v2
+
+import (
+	"strings"
+
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"google.golang.org/protobuf/proto"
+)
+
+func cloneMoney(src *moneyv1.Money) *moneyv1.Money {
+	if src == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(src.GetAmount()),
+		Currency: strings.TrimSpace(src.GetCurrency()),
+	}
+}
+
+func cloneFeeLines(src []*feesv1.DerivedPostingLine) []*feesv1.DerivedPostingLine {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make([]*feesv1.DerivedPostingLine, 0, len(src))
+	for _, line := range src {
+		if line == nil {
+			result = append(result, nil)
+			continue
+		}
+		cloned, ok := proto.Clone(line).(*feesv1.DerivedPostingLine)
+		if !ok {
+			continue
+		}
+		result = append(result, cloned)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func cloneFeeRules(src []*feesv1.AppliedRule) []*feesv1.AppliedRule {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make([]*feesv1.AppliedRule, 0, len(src))
+	for _, rule := range src {
+		if rule == nil {
+			result = append(result, nil)
+			continue
+		}
+		cloned, ok := proto.Clone(rule).(*feesv1.AppliedRule)
+		if !ok {
+			continue
+		}
+		result = append(result, cloned)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func cloneFXQuote(src *oraclev1.Quote) *oraclev1.Quote {
+	if src == nil {
+		return nil
+	}
+	cloned, ok := proto.Clone(src).(*oraclev1.Quote)
+	if !ok {
+		return nil
+	}
+	return cloned
+}
+
+func cloneRoute(src *quotationv2.RouteSpecification) *quotationv2.RouteSpecification {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.RouteSpecification{
+		Rail:              strings.TrimSpace(src.GetRail()),
+		Provider:          strings.TrimSpace(src.GetProvider()),
+		PayoutMethod:      strings.TrimSpace(src.GetPayoutMethod()),
+		SettlementAsset:   strings.ToUpper(strings.TrimSpace(src.GetSettlementAsset())),
+		SettlementModel:   strings.TrimSpace(src.GetSettlementModel()),
+		Network:           strings.TrimSpace(src.GetNetwork()),
+		RouteRef:          strings.TrimSpace(src.GetRouteRef()),
+		PricingProfileRef: strings.TrimSpace(src.GetPricingProfileRef()),
+	}
+	if hops := src.GetHops(); len(hops) > 0 {
+		result.Hops = make([]*quotationv2.RouteHop, 0, len(hops))
+		for _, hop := range hops {
+			if hop == nil {
+				continue
+			}
+			result.Hops = append(result.Hops, &quotationv2.RouteHop{
+				Index:      hop.GetIndex(),
+				Rail:       strings.TrimSpace(hop.GetRail()),
+				Gateway:    strings.TrimSpace(hop.GetGateway()),
+				InstanceId: strings.TrimSpace(hop.GetInstanceId()),
+				Network:    strings.TrimSpace(hop.GetNetwork()),
+				Role:       hop.GetRole(),
+			})
+		}
+		if len(result.Hops) == 0 {
+			result.Hops = nil
+		}
+	}
+	return result
+}
+
+func cloneExecutionConditions(src *quotationv2.ExecutionConditions) *quotationv2.ExecutionConditions {
+	if src == nil {
+		return nil
+	}
+	result := &quotationv2.ExecutionConditions{
+		Readiness:                         src.GetReadiness(),
+		BatchingEligible:                  src.GetBatchingEligible(),
+		PrefundingRequired:                src.GetPrefundingRequired(),
+		PrefundingCostIncluded:            src.GetPrefundingCostIncluded(),
+		LiquidityCheckRequiredAtExecution: src.GetLiquidityCheckRequiredAtExecution(),
+		LatencyHint:                       strings.TrimSpace(src.GetLatencyHint()),
+	}
+	if assumptions := src.GetAssumptions(); len(assumptions) > 0 {
+		result.Assumptions = make([]string, 0, len(assumptions))
+		for _, assumption := range assumptions {
+			trimmed := strings.TrimSpace(assumption)
+			if trimmed == "" {
+				continue
+			}
+			result.Assumptions = append(result.Assumptions, trimmed)
+		}
+		if len(result.Assumptions) == 0 {
+			result.Assumptions = nil
+		}
+	}
+	return result
+}

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

@@ -0,0 +1,50 @@
+package quote_response_mapper_v2
+
+import (
+	"time"
+
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+type QuoteMeta struct {
+	ID        string
+	CreatedAt time.Time
+	UpdatedAt time.Time
+}
+
+type CanonicalQuote struct {
+	QuoteRef     string
+	DebitAmount  *moneyv1.Money
+	CreditAmount *moneyv1.Money
+	TotalCost    *moneyv1.Money
+	FeeLines     []*feesv1.DerivedPostingLine
+	FeeRules     []*feesv1.AppliedRule
+	FXQuote      *oraclev1.Quote
+	Route        *quotationv2.RouteSpecification
+	Conditions   *quotationv2.ExecutionConditions
+	ExpiresAt    time.Time
+	PricedAt     time.Time
+}
+
+type QuoteStatus struct {
+	Kind        quotationv2.QuoteKind
+	Lifecycle   quotationv2.QuoteLifecycle
+	Executable  *bool
+	BlockReason quotationv2.QuoteBlockReason
+}
+
+type MapInput struct {
+	Meta   QuoteMeta
+	Quote  CanonicalQuote
+	Status QuoteStatus
+}
+
+type MapOutput struct {
+	Quote              *quotationv2.PaymentQuote
+	HasExecutionStatus bool
+	Executable         bool
+	BlockReason        quotationv2.QuoteBlockReason
+}

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

@@ -0,0 +1,72 @@
+package quote_response_mapper_v2
+
+import (
+	"github.com/tech/sendico/pkg/merrors"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+type executionDecision struct {
+	hasStatus   bool
+	executable  bool
+	blockReason quotationv2.QuoteBlockReason
+}
+
+func validateStatusInvariants(status QuoteStatus) (executionDecision, error) {
+	if status.Kind == quotationv2.QuoteKind_QUOTE_KIND_UNSPECIFIED {
+		return executionDecision{}, merrors.InvalidArgument("status.kind is required")
+	}
+	if status.Lifecycle == quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_UNSPECIFIED {
+		return executionDecision{}, merrors.InvalidArgument("status.lifecycle is required")
+	}
+
+	hasExecutable := status.Executable != nil
+	hasBlockReason := status.BlockReason != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED
+
+	if status.Kind == quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE {
+		if hasExecutable || hasBlockReason {
+			return executionDecision{}, merrors.InvalidArgument("execution_status must be unset for indicative quote")
+		}
+		return executionDecision{}, nil
+	}
+
+	if status.Lifecycle == quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_EXPIRED {
+		if hasExecutable || hasBlockReason {
+			return executionDecision{}, merrors.InvalidArgument("execution_status must be unset for expired quote")
+		}
+		return executionDecision{}, nil
+	}
+
+	if status.Kind != quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE ||
+		status.Lifecycle != quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE {
+		if hasExecutable || hasBlockReason {
+			return executionDecision{}, merrors.InvalidArgument("execution_status is only valid for executable active quote")
+		}
+		return executionDecision{}, nil
+	}
+
+	if hasExecutable == hasBlockReason {
+		return executionDecision{}, merrors.InvalidArgument("exactly one execution status is required")
+	}
+	if hasExecutable && !status.ExecutableValue() {
+		return executionDecision{}, merrors.InvalidArgument("execution_status.executable must be true")
+	}
+
+	if hasExecutable {
+		return executionDecision{
+			hasStatus:  true,
+			executable: true,
+		}, nil
+	}
+	return executionDecision{
+		hasStatus:   true,
+		executable:  false,
+		blockReason: status.BlockReason,
+	}, nil
+}
+
+func (s QuoteStatus) ExecutableValue() bool {
+	if s.Executable == nil {
+		return false
+	}
+	return *s.Executable
+}

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

@@ -0,0 +1,76 @@
+package quote_response_mapper_v2
+
+import (
+	"strings"
+	"time"
+
+	storablev1 "github.com/tech/sendico/pkg/proto/common/storable/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type QuoteResponseMapperV2 struct{}
+
+func New() *QuoteResponseMapperV2 {
+	return &QuoteResponseMapperV2{}
+}
+
+func (m *QuoteResponseMapperV2) Map(in MapInput) (*MapOutput, error) {
+	decision, err := validateStatusInvariants(in.Status)
+	if err != nil {
+		return nil, err
+	}
+
+	result := &quotationv2.PaymentQuote{
+		Storable:            mapStorable(in.Meta),
+		Kind:                in.Status.Kind,
+		Lifecycle:           in.Status.Lifecycle,
+		DebitAmount:         cloneMoney(in.Quote.DebitAmount),
+		CreditAmount:        cloneMoney(in.Quote.CreditAmount),
+		TotalCost:           cloneMoney(in.Quote.TotalCost),
+		FeeLines:            cloneFeeLines(in.Quote.FeeLines),
+		FeeRules:            cloneFeeRules(in.Quote.FeeRules),
+		FxQuote:             cloneFXQuote(in.Quote.FXQuote),
+		Route:               cloneRoute(in.Quote.Route),
+		ExecutionConditions: cloneExecutionConditions(in.Quote.Conditions),
+		QuoteRef:            strings.TrimSpace(in.Quote.QuoteRef),
+		ExpiresAt:           tsOrNil(in.Quote.ExpiresAt),
+		PricedAt:            tsOrNil(in.Quote.PricedAt),
+	}
+
+	if decision.hasStatus {
+		if decision.executable {
+			result.ExecutionStatus = &quotationv2.PaymentQuote_Executable{Executable: true}
+		} else {
+			result.ExecutionStatus = &quotationv2.PaymentQuote_BlockReason{
+				BlockReason: decision.blockReason,
+			}
+		}
+	}
+
+	return &MapOutput{
+		Quote:              result,
+		HasExecutionStatus: decision.hasStatus,
+		Executable:         decision.executable,
+		BlockReason:        decision.blockReason,
+	}, nil
+}
+
+func mapStorable(meta QuoteMeta) *storablev1.Storable {
+	id := strings.TrimSpace(meta.ID)
+	if id == "" && meta.CreatedAt.IsZero() && meta.UpdatedAt.IsZero() {
+		return nil
+	}
+	return &storablev1.Storable{
+		Id:        id,
+		CreatedAt: tsOrNil(meta.CreatedAt),
+		UpdatedAt: tsOrNil(meta.UpdatedAt),
+	}
+}
+
+func tsOrNil(value time.Time) *timestamppb.Timestamp {
+	if value.IsZero() {
+		return nil
+	}
+	return timestamppb.New(value)
+}

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

@@ -0,0 +1,207 @@
+package quote_response_mapper_v2
+
+import (
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func TestMap_ExecutableActiveQuote(t *testing.T) {
+	mapper := New()
+	trueValue := true
+	createdAt := time.Unix(100, 0)
+	updatedAt := time.Unix(120, 0)
+	expiresAt := time.Unix(200, 0)
+	pricedAt := time.Unix(150, 0)
+
+	out, err := mapper.Map(MapInput{
+		Meta: QuoteMeta{
+			ID:        "rec-1",
+			CreatedAt: createdAt,
+			UpdatedAt: updatedAt,
+		},
+		Quote: CanonicalQuote{
+			QuoteRef: "q-1",
+			DebitAmount: &moneyv1.Money{
+				Amount:   "10",
+				Currency: "USD",
+			},
+			CreditAmount: &moneyv1.Money{
+				Amount:   "9",
+				Currency: "EUR",
+			},
+			TotalCost: &moneyv1.Money{
+				Amount:   "10.2",
+				Currency: "USD",
+			},
+			Route: &quotationv2.RouteSpecification{
+				Rail:            "CARD_PAYOUT",
+				Provider:        "monetix",
+				PayoutMethod:    "CARD",
+				SettlementAsset: "USD",
+				SettlementModel: "FIX_SOURCE",
+			},
+			Conditions: &quotationv2.ExecutionConditions{
+				Readiness:                         quotationv2.QuoteExecutionReadiness_QUOTE_EXECUTION_READINESS_LIQUIDITY_READY,
+				BatchingEligible:                  true,
+				PrefundingRequired:                false,
+				LiquidityCheckRequiredAtExecution: true,
+			},
+			ExpiresAt: expiresAt,
+			PricedAt:  pricedAt,
+		},
+		Status: QuoteStatus{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable: &trueValue,
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if out == nil || out.Quote == nil {
+		t.Fatalf("expected mapped quote")
+	}
+	if !out.HasExecutionStatus || !out.Executable {
+		t.Fatalf("expected executable status")
+	}
+	if !out.Quote.GetExecutable() {
+		t.Fatalf("expected proto executable=true")
+	}
+	if out.Quote.GetBlockReason() != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_UNSPECIFIED {
+		t.Fatalf("expected empty block reason")
+	}
+	if out.Quote.GetStorable().GetId() != "rec-1" {
+		t.Fatalf("expected storable id rec-1, got %q", out.Quote.GetStorable().GetId())
+	}
+	if got := out.Quote.GetStorable().GetCreatedAt().AsTime(); !got.Equal(createdAt) {
+		t.Fatalf("unexpected created_at: %v", got)
+	}
+	if got := out.Quote.GetStorable().GetUpdatedAt().AsTime(); !got.Equal(updatedAt) {
+		t.Fatalf("unexpected updated_at: %v", got)
+	}
+	if got := out.Quote.GetExpiresAt().AsTime(); !got.Equal(expiresAt) {
+		t.Fatalf("unexpected expires_at: %v", got)
+	}
+	if got := out.Quote.GetPricedAt().AsTime(); !got.Equal(pricedAt) {
+		t.Fatalf("unexpected priced_at: %v", got)
+	}
+	if got, want := out.Quote.GetRoute().GetProvider(), "monetix"; got != want {
+		t.Fatalf("unexpected route provider: got=%q want=%q", got, want)
+	}
+	if got, want := out.Quote.GetTotalCost().GetAmount(), "10.2"; got != want {
+		t.Fatalf("unexpected total_cost amount: got=%q want=%q", got, want)
+	}
+}
+
+func TestMap_BlockedExecutableQuote(t *testing.T) {
+	mapper := New()
+	out, err := mapper.Map(MapInput{
+		Quote: CanonicalQuote{
+			QuoteRef: "q-2",
+		},
+		Status: QuoteStatus{
+			Kind:        quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:   quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			BlockReason: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE,
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if out == nil || out.Quote == nil {
+		t.Fatalf("expected mapped quote")
+	}
+	if !out.HasExecutionStatus || out.Executable {
+		t.Fatalf("expected blocked status")
+	}
+	if got := out.Quote.GetBlockReason(); got != quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_ROUTE_UNAVAILABLE {
+		t.Fatalf("unexpected block reason: %s", got.String())
+	}
+}
+
+func TestMap_IndicativeAndExpiredMustHaveNoExecutionStatus(t *testing.T) {
+	mapper := New()
+	trueValue := true
+
+	_, err := mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable: &trueValue,
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg for indicative with execution status, got %v", err)
+	}
+
+	_, err = mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_EXPIRED,
+			Executable: &trueValue,
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg for expired with execution status, got %v", err)
+	}
+
+	out, err := mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:      quotationv2.QuoteKind_QUOTE_KIND_INDICATIVE,
+			Lifecycle: quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		},
+	})
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if out.HasExecutionStatus {
+		t.Fatalf("expected unset execution status")
+	}
+	if out.Quote.GetExecutionStatus() != nil {
+		t.Fatalf("expected no execution_status oneof")
+	}
+}
+
+func TestMap_ExecutableActiveRequiresExactlyOneExecutionStatus(t *testing.T) {
+	mapper := New()
+	trueValue := true
+
+	_, err := mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:      quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle: quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg when execution status is missing, got %v", err)
+	}
+
+	_, err = mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:        quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:   quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable:  &trueValue,
+			BlockReason: quotationv2.QuoteBlockReason_QUOTE_BLOCK_REASON_LIMIT_BLOCKED,
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg when both executable and block_reason are set, got %v", err)
+	}
+
+	falseValue := false
+	_, err = mapper.Map(MapInput{
+		Status: QuoteStatus{
+			Kind:       quotationv2.QuoteKind_QUOTE_KIND_EXECUTABLE,
+			Lifecycle:  quotationv2.QuoteLifecycle_QUOTE_LIFECYCLE_ACTIVE,
+			Executable: &falseValue,
+		},
+	})
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid arg for executable=false, got %v", err)
+	}
+}

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

@@ -78,7 +78,7 @@ func (s *Service) resolvePaymentQuote(ctx context.Context, in quoteResolutionInp
 		}
 		record, err := quotesStore.GetByRef(ctx, in.OrgID, ref)
 		if err != nil {
-			if errors.Is(err, storage.ErrQuoteNotFound) {
+			if errors.Is(err, quotestorage.ErrQuoteNotFound) {
 				return nil, nil, nil, quoteResolutionError{code: "quote_not_found", err: merrors.InvalidArgument("quote_ref not found or expired")}
 			}
 			return nil, nil, nil, err

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

@@ -0,0 +1,150 @@
+package transfer_intent_hydrator
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	methodsv1 "github.com/tech/sendico/pkg/proto/payments/methods/v1"
+)
+
+func (h *TransferIntentHydrator) hydrateEndpoint(
+	ctx context.Context,
+	organizationRef string,
+	endpoint *endpointv1.PaymentEndpoint,
+	field string,
+	role methodsv1.PrivateEndpoint,
+) (QuoteEndpoint, error) {
+	if endpoint == nil {
+		return QuoteEndpoint{}, merrors.InvalidArgument(field + " is required")
+	}
+
+	if methodRef := strings.TrimSpace(endpoint.GetPaymentMethodRef()); methodRef != "" {
+		resolved, resolvedMethodRef, err := h.resolvePrivate(ctx, organizationRef, field+".payment_method_ref", role, privateSelector{
+			paymentMethodRef: methodRef,
+		})
+		if err != nil {
+			return QuoteEndpoint{}, err
+		}
+		if resolvedMethodRef != "" {
+			resolved.PaymentMethodRef = resolvedMethodRef
+		} else {
+			resolved.PaymentMethodRef = methodRef
+		}
+		return resolved, nil
+	}
+
+	if method := endpoint.GetPaymentMethod(); method != nil {
+		if method.GetType() != endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_ACCOUNT {
+			return hydrateFromPaymentMethod(method, field)
+		}
+		recipientRef := strings.TrimSpace(method.GetRecipientRef())
+		if recipientRef == "" {
+			return QuoteEndpoint{}, merrors.InvalidArgument(field + ".payment_method.recipient_ref is required for account payment method")
+		}
+		resolved, resolvedMethodRef, err := h.resolvePrivate(ctx, organizationRef, field+".payment_method", role, privateSelector{
+			payeeRef: recipientRef,
+		})
+		if err != nil {
+			return QuoteEndpoint{}, err
+		}
+		if resolvedMethodRef != "" {
+			resolved.PaymentMethodRef = resolvedMethodRef
+		}
+		return resolved, nil
+	}
+
+	if payeeRef := strings.TrimSpace(endpoint.GetPayeeRef()); payeeRef != "" {
+		resolved, resolvedMethodRef, err := h.resolvePrivate(ctx, organizationRef, field+".payee_ref", role, privateSelector{
+			payeeRef: payeeRef,
+		})
+		if err != nil {
+			return QuoteEndpoint{}, err
+		}
+		resolved.PayeeRef = payeeRef
+		resolved.PaymentMethodRef = resolvedMethodRef
+		return resolved, nil
+	}
+
+	return QuoteEndpoint{}, merrors.InvalidArgument(field + " must include payment_method_ref, payment_method, or payee_ref")
+}
+
+type privateSelector struct {
+	paymentMethodRef string
+	payeeRef         string
+}
+
+func (h *TransferIntentHydrator) resolvePrivate(
+	ctx context.Context,
+	organizationRef string,
+	field string,
+	role methodsv1.PrivateEndpoint,
+	selector privateSelector,
+) (QuoteEndpoint, string, error) {
+	if h.methodsClient == nil {
+		return QuoteEndpoint{}, "", ErrPaymentMethodsClientRequired
+	}
+
+	req := &methodsv1.GetPaymentMethodPrivateRequest{
+		OrganizationRef: strings.TrimSpace(organizationRef),
+		Endpoint:        role,
+	}
+	if selector.paymentMethodRef != "" {
+		req.Selector = &methodsv1.GetPaymentMethodPrivateRequest_PaymentMethodRef{
+			PaymentMethodRef: strings.TrimSpace(selector.paymentMethodRef),
+		}
+	}
+	if selector.payeeRef != "" {
+		req.Selector = &methodsv1.GetPaymentMethodPrivateRequest_PayeeRef{
+			PayeeRef: strings.TrimSpace(selector.payeeRef),
+		}
+	}
+
+	resp, err := h.methodsClient.GetPaymentMethodPrivate(ctx, req)
+	if err != nil {
+		return QuoteEndpoint{}, "", err
+	}
+	record := resp.GetPaymentMethodRecord()
+	if record == nil || record.GetPaymentMethod() == nil {
+		return QuoteEndpoint{}, "", merrors.InvalidArgument(field + " not found")
+	}
+
+	resolved, err := hydrateFromPaymentMethod(record.GetPaymentMethod(), field)
+	if err != nil {
+		return QuoteEndpoint{}, "", err
+	}
+
+	methodRef := strings.TrimSpace(record.GetPermissionBound().GetStorable().GetId())
+	return resolved, methodRef, nil
+}
+
+/*
+Processing Classes
+
+QuoteRequestValidatorV2
+Validates meta, idempotency, preview rules, initiator_ref, non-empty intents.
+TransferIntentHydrator
+Converts transferv1.TransferIntent to canonical sharedv1.PaymentIntent.
+Resolves endpoint refs (payment_method_ref, payee_ref) using a new methods dependency.
+Applies defaults for kind, settlement_mode, settlement_currency, attributes.
+QuoteIdempotencyService
+Computes request fingerprint for v2 requests.
+Reuse/create logic against QuotesStore (same pattern as handlers_commands.go).
+QuoteComputationService
+Calls existing core for quote and plan building.
+Returns quote + expiry + optional plan.
+QuoteExecutabilityClassifier
+Converts plan/build errors to QuoteBlockReason.
+Produces execution_status (executable=true or block_reason).
+QuotePersistenceService
+Persists quote record with v2 status metadata.
+Keeps legacy ExecutionNote for backward compatibility.
+QuoteResponseMapperV2
+Maps canonical quote + status to quotationv2.PaymentQuote.
+Enforces your lifecycle/execution invariants.
+BatchQuoteProcessorV2
+Iterates single-intent processor with per-item idempotency derivation.
+Returns QuotePaymentsResponse without aggregate.
+
+*/

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

@@ -0,0 +1,7 @@
+package transfer_intent_hydrator
+
+import "errors"
+
+var (
+	ErrPaymentMethodsClientRequired = errors.New("payment methods client is required to resolve endpoint references")
+)

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

@@ -0,0 +1,40 @@
+package transfer_intent_hydrator
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+func decodeMethodData(data []byte, dst any, field string) error {
+	if len(data) == 0 {
+		return merrors.InvalidArgument(field + ".data is required")
+	}
+	if err := bson.Unmarshal(data, dst); err != nil {
+		return merrors.InvalidArgument(field + ".data is invalid")
+	}
+	return nil
+}
+
+func parseUint32(value string, field string) (uint32, error) {
+	trimmed := strings.TrimSpace(value)
+	if trimmed == "" {
+		return 0, nil
+	}
+	num, err := strconv.ParseUint(trimmed, 10, 32)
+	if err != nil {
+		return 0, merrors.InvalidArgument(field + " must be numeric")
+	}
+	return uint32(num), nil
+}
+
+func inferKind(destination QuoteEndpoint) QuoteIntentKind {
+	switch destination.Type {
+	case QuoteEndpointTypeExternalChain, QuoteEndpointTypeCard:
+		return QuoteIntentKindPayout
+	default:
+		return QuoteIntentKindInternalTransfer
+	}
+}

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

@@ -0,0 +1,148 @@
+package transfer_intent_hydrator
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	methodsv1 "github.com/tech/sendico/pkg/proto/payments/methods/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"google.golang.org/grpc"
+)
+
+type HydrateOneInput struct {
+	OrganizationRef string
+	InitiatorRef    string
+	Intent          *transferv1.TransferIntent
+}
+
+type HydrateManyInput struct {
+	OrganizationRef string
+	InitiatorRef    string
+	Intents         []*transferv1.TransferIntent
+}
+
+type PaymentMethodsClient interface {
+	GetPaymentMethodPrivate(ctx context.Context, in *methodsv1.GetPaymentMethodPrivateRequest, opts ...grpc.CallOption) (*methodsv1.GetPaymentMethodPrivateResponse, error)
+}
+
+type Option func(*TransferIntentHydrator)
+
+type TransferIntentHydrator struct {
+	methodsClient PaymentMethodsClient
+	newRef        func() string
+}
+
+func New(methodsClient PaymentMethodsClient, opts ...Option) *TransferIntentHydrator {
+	h := &TransferIntentHydrator{
+		methodsClient: methodsClient,
+		newRef: func() string {
+			return bson.NewObjectID().Hex()
+		},
+	}
+	for _, opt := range opts {
+		if opt != nil {
+			opt(h)
+		}
+	}
+	if h.newRef == nil {
+		h.newRef = func() string { return bson.NewObjectID().Hex() }
+	}
+	return h
+}
+
+func WithRefFactory(newRef func() string) Option {
+	return func(h *TransferIntentHydrator) {
+		if newRef != nil {
+			h.newRef = newRef
+		}
+	}
+}
+
+func (h *TransferIntentHydrator) HydrateOne(ctx context.Context, in HydrateOneInput) (*QuoteIntent, error) {
+	if strings.TrimSpace(in.OrganizationRef) == "" {
+		return nil, merrors.InvalidArgument("organization_ref is required")
+	}
+	if strings.TrimSpace(in.InitiatorRef) == "" {
+		return nil, merrors.InvalidArgument("initiator_ref is required")
+	}
+	if in.Intent == nil {
+		return nil, merrors.InvalidArgument("intent is required")
+	}
+	if in.Intent.GetAmount() == nil {
+		return nil, merrors.InvalidArgument("intent.amount is required")
+	}
+
+	source, err := h.hydrateEndpoint(
+		ctx,
+		in.OrganizationRef,
+		in.Intent.GetSource(),
+		"intent.source",
+		methodsv1.PrivateEndpoint_PRIVATE_ENDPOINT_SOURCE,
+	)
+	if err != nil {
+		return nil, err
+	}
+	destination, err := h.hydrateEndpoint(
+		ctx,
+		in.OrganizationRef,
+		in.Intent.GetDestination(),
+		"intent.destination",
+		methodsv1.PrivateEndpoint_PRIVATE_ENDPOINT_DESTINATION,
+	)
+	if err != nil {
+		return nil, err
+	}
+
+	amount := &paymenttypes.Money{
+		Amount:   strings.TrimSpace(in.Intent.GetAmount().GetAmount()),
+		Currency: strings.TrimSpace(in.Intent.GetAmount().GetCurrency()),
+	}
+	if amount.Amount == "" {
+		return nil, merrors.InvalidArgument("intent.amount.amount is required")
+	}
+	if amount.Currency == "" {
+		return nil, merrors.InvalidArgument("intent.amount.currency is required")
+	}
+
+	intent := &QuoteIntent{
+		Ref:                h.newRef(),
+		Kind:               inferKind(destination),
+		Source:             source,
+		Destination:        destination,
+		Amount:             amount,
+		Comment:            strings.TrimSpace(in.Intent.GetComment()),
+		SettlementMode:     QuoteSettlementModeUnspecified,
+		SettlementCurrency: amount.Currency,
+		RequiresFX:         false,
+		Attributes: map[string]string{
+			"initiator_ref": strings.TrimSpace(in.InitiatorRef),
+		},
+	}
+	if intent.Comment != "" {
+		intent.Attributes["comment"] = intent.Comment
+	}
+	return intent, nil
+}
+
+func (h *TransferIntentHydrator) HydrateMany(ctx context.Context, in HydrateManyInput) ([]*QuoteIntent, error) {
+	if len(in.Intents) == 0 {
+		return nil, merrors.InvalidArgument("intents are required")
+	}
+	out := make([]*QuoteIntent, 0, len(in.Intents))
+	for i, intent := range in.Intents {
+		item, err := h.HydrateOne(ctx, HydrateOneInput{
+			OrganizationRef: in.OrganizationRef,
+			InitiatorRef:    in.InitiatorRef,
+			Intent:          intent,
+		})
+		if err != nil {
+			return nil, fmt.Errorf("intents[%d]: %w", i, err)
+		}
+		out = append(out, item)
+	}
+	return out, nil
+}

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

@@ -0,0 +1,161 @@
+package transfer_intent_hydrator
+
+import (
+	"fmt"
+	"strings"
+
+	chainpkg "github.com/tech/sendico/pkg/chain"
+	"github.com/tech/sendico/pkg/merrors"
+	pkgmodel "github.com/tech/sendico/pkg/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+)
+
+func hydrateFromPaymentMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	if method == nil {
+		return QuoteEndpoint{}, merrors.InvalidArgument(field + " is required")
+	}
+	switch method.GetType() {
+	case endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET:
+		return hydrateWalletMethod(method, field)
+	case endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CRYPTO_ADDRESS:
+		return hydrateCryptoAddressMethod(method, field)
+	case endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD:
+		return hydrateCardMethod(method, field)
+	case endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD_TOKEN:
+		return hydrateCardTokenMethod(method, field)
+	case endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_LEDGER:
+		return hydrateLedgerMethod(method, field)
+	default:
+		return QuoteEndpoint{}, merrors.InvalidArgument(
+			fmt.Sprintf("%s uses unsupported payment method type: %s", field, method.GetType().String()),
+		)
+	}
+}
+
+func hydrateWalletMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	var data pkgmodel.WalletPaymentData
+	if err := decodeMethodData(method.GetData(), &data, field); err != nil {
+		return QuoteEndpoint{}, err
+	}
+	ref := strings.TrimSpace(data.WalletID)
+	if ref == "" {
+		return QuoteEndpoint{}, merrors.InvalidArgument(field + ".wallet_id is required")
+	}
+	return QuoteEndpoint{
+		Type: QuoteEndpointTypeManagedWallet,
+		ManagedWallet: &QuoteManagedWalletEndpoint{
+			ManagedWalletRef: ref,
+		},
+	}, nil
+}
+
+func hydrateCryptoAddressMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	var data pkgmodel.CryptoAddressPaymentData
+	if err := decodeMethodData(method.GetData(), &data, field); err != nil {
+		return QuoteEndpoint{}, err
+	}
+	addr := strings.TrimSpace(data.Address)
+	if addr == "" {
+		return QuoteEndpoint{}, merrors.InvalidArgument(field + ".address is required")
+	}
+	asset := &paymenttypes.Asset{
+		TokenSymbol: strings.ToUpper(strings.TrimSpace(string(data.Currency))),
+	}
+	network := chainpkg.NetworkFromString(data.Network)
+	if networkAlias := strings.TrimSpace(chainpkg.NetworkAlias(network)); networkAlias != "" && networkAlias != "UNSPECIFIED" {
+		asset.Chain = networkAlias
+	}
+	if data.DestinationTag != nil {
+		memo := strings.TrimSpace(*data.DestinationTag)
+		return QuoteEndpoint{
+			Type: QuoteEndpointTypeExternalChain,
+			ExternalChain: &QuoteExternalChainEndpoint{
+				Asset:   asset,
+				Address: addr,
+				Memo:    memo,
+			},
+		}, nil
+	}
+	return QuoteEndpoint{
+		Type: QuoteEndpointTypeExternalChain,
+		ExternalChain: &QuoteExternalChainEndpoint{
+			Asset:   asset,
+			Address: addr,
+		},
+	}, nil
+}
+
+func hydrateCardMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	var data pkgmodel.CardPaymentData
+	if err := decodeMethodData(method.GetData(), &data, field); err != nil {
+		return QuoteEndpoint{}, err
+	}
+	expMonth, err := parseUint32(data.ExpMonth, field+".exp_month")
+	if err != nil {
+		return QuoteEndpoint{}, err
+	}
+	expYear, err := parseUint32(data.ExpYear, field+".exp_year")
+	if err != nil {
+		return QuoteEndpoint{}, err
+	}
+	return QuoteEndpoint{
+		Type: QuoteEndpointTypeCard,
+		Card: &QuoteCardEndpoint{
+			Pan:               strings.TrimSpace(data.Pan),
+			Cardholder:        strings.TrimSpace(data.FirstName),
+			CardholderSurname: strings.TrimSpace(data.LastName),
+			ExpMonth:          expMonth,
+			ExpYear:           expYear,
+			Country:           strings.TrimSpace(data.Country),
+		},
+	}, nil
+}
+
+func hydrateCardTokenMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	var data pkgmodel.TokenPaymentData
+	if err := decodeMethodData(method.GetData(), &data, field); err != nil {
+		return QuoteEndpoint{}, err
+	}
+	expMonth, err := parseUint32(data.ExpMonth, field+".exp_month")
+	if err != nil {
+		return QuoteEndpoint{}, err
+	}
+	expYear, err := parseUint32(data.ExpYear, field+".exp_year")
+	if err != nil {
+		return QuoteEndpoint{}, err
+	}
+	return QuoteEndpoint{
+		Type: QuoteEndpointTypeCard,
+		Card: &QuoteCardEndpoint{
+			Token:      strings.TrimSpace(data.Token),
+			Cardholder: strings.TrimSpace(data.CardholderName),
+			ExpMonth:   expMonth,
+			ExpYear:    expYear,
+			Country:    strings.TrimSpace(data.Country),
+			MaskedPan:  strings.TrimSpace(data.Last4),
+		},
+	}, nil
+}
+
+func hydrateLedgerMethod(method *endpointv1.PaymentMethod, field string) (QuoteEndpoint, error) {
+	type ledgerData struct {
+		LedgerAccountRef       string `bson:"ledgerAccountRef"`
+		ContraLedgerAccountRef string `bson:"contraLedgerAccountRef,omitempty"`
+	}
+	var data ledgerData
+	if err := decodeMethodData(method.GetData(), &data, field); err != nil {
+		return QuoteEndpoint{}, err
+	}
+	ref := strings.TrimSpace(data.LedgerAccountRef)
+	if ref == "" {
+		return QuoteEndpoint{}, merrors.InvalidArgument(field + ".ledger_account_ref is required")
+	}
+	return QuoteEndpoint{
+		Type: QuoteEndpointTypeLedger,
+		Ledger: &QuoteLedgerEndpoint{
+			LedgerAccountRef:       ref,
+			ContraLedgerAccountRef: strings.TrimSpace(data.ContraLedgerAccountRef),
+		},
+	}, nil
+}

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

@@ -0,0 +1,81 @@
+package transfer_intent_hydrator
+
+import paymenttypes "github.com/tech/sendico/pkg/payments/types"
+
+type QuoteIntentKind string
+
+const (
+	QuoteIntentKindUnspecified      QuoteIntentKind = "unspecified"
+	QuoteIntentKindPayout           QuoteIntentKind = "payout"
+	QuoteIntentKindInternalTransfer QuoteIntentKind = "internal_transfer"
+	QuoteIntentKindFXConversion     QuoteIntentKind = "fx_conversion"
+)
+
+type QuoteSettlementMode string
+
+const (
+	QuoteSettlementModeUnspecified QuoteSettlementMode = "unspecified"
+	QuoteSettlementModeFixSource   QuoteSettlementMode = "fix_source"
+	QuoteSettlementModeFixReceived QuoteSettlementMode = "fix_received"
+)
+
+type QuoteEndpointType string
+
+const (
+	QuoteEndpointTypeUnspecified   QuoteEndpointType = "unspecified"
+	QuoteEndpointTypeLedger        QuoteEndpointType = "ledger"
+	QuoteEndpointTypeManagedWallet QuoteEndpointType = "managed_wallet"
+	QuoteEndpointTypeExternalChain QuoteEndpointType = "external_chain"
+	QuoteEndpointTypeCard          QuoteEndpointType = "card"
+)
+
+type QuoteLedgerEndpoint struct {
+	LedgerAccountRef       string
+	ContraLedgerAccountRef string
+}
+
+type QuoteManagedWalletEndpoint struct {
+	ManagedWalletRef string
+	Asset            *paymenttypes.Asset
+}
+
+type QuoteExternalChainEndpoint struct {
+	Asset   *paymenttypes.Asset
+	Address string
+	Memo    string
+}
+
+type QuoteCardEndpoint struct {
+	Pan               string
+	Token             string
+	Cardholder        string
+	CardholderSurname string
+	ExpMonth          uint32
+	ExpYear           uint32
+	Country           string
+	MaskedPan         string
+}
+
+type QuoteEndpoint struct {
+	Type             QuoteEndpointType
+	PaymentMethodRef string
+	PayeeRef         string
+
+	Ledger        *QuoteLedgerEndpoint
+	ManagedWallet *QuoteManagedWalletEndpoint
+	ExternalChain *QuoteExternalChainEndpoint
+	Card          *QuoteCardEndpoint
+}
+
+type QuoteIntent struct {
+	Ref                string
+	Kind               QuoteIntentKind
+	Source             QuoteEndpoint
+	Destination        QuoteEndpoint
+	Amount             *paymenttypes.Money
+	Comment            string
+	SettlementMode     QuoteSettlementMode
+	SettlementCurrency string
+	RequiresFX         bool
+	Attributes         map[string]string
+}

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

@@ -0,0 +1,454 @@
+package transfer_intent_hydrator
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"testing"
+
+	pkgmodel "github.com/tech/sendico/pkg/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	pboundv1 "github.com/tech/sendico/pkg/proto/common/permission_bound/v1"
+	storablev1 "github.com/tech/sendico/pkg/proto/common/storable/v1"
+	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
+	methodsv1 "github.com/tech/sendico/pkg/proto/payments/methods/v1"
+	transferv1 "github.com/tech/sendico/pkg/proto/payments/transfer/v1"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"google.golang.org/grpc"
+)
+
+func TestHydrateOne_SuccessWithInlineMethods(t *testing.T) {
+	h := New(nil, WithRefFactory(func() string { return "q-intent-1" }))
+	tag := "12345"
+	intent := &transferv1.TransferIntent{
+		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-1",
+					}),
+				},
+			},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CRYPTO_ADDRESS,
+					Data: mustMarshalBSON(t, pkgmodel.CryptoAddressPaymentData{
+						Currency:       pkgmodel.CurrencyUSDT,
+						Address:        "TXYZ",
+						Network:        "TRON_MAINNET",
+						DestinationTag: &tag,
+					}),
+				},
+			},
+		},
+		Amount:  newMoney("10.25", "USDT"),
+		Comment: "transfer note",
+	}
+
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: bson.NewObjectID().Hex(),
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if err != nil {
+		t.Fatalf("HydrateOne returned error: %v", err)
+	}
+	if got == nil {
+		t.Fatalf("expected hydrated intent")
+	}
+	if got.Ref != "q-intent-1" {
+		t.Fatalf("expected ref q-intent-1, got %q", got.Ref)
+	}
+	if got.Kind != QuoteIntentKindPayout {
+		t.Fatalf("expected payout kind, got %s", got.Kind)
+	}
+	if got.Source.Type != QuoteEndpointTypeManagedWallet {
+		t.Fatalf("expected managed wallet source, got %s", got.Source.Type)
+	}
+	if got.Source.ManagedWallet == nil || got.Source.ManagedWallet.ManagedWalletRef != "mw-src-1" {
+		t.Fatalf("unexpected managed wallet source: %#v", got.Source.ManagedWallet)
+	}
+	if got.Destination.Type != QuoteEndpointTypeExternalChain {
+		t.Fatalf("expected external chain destination, got %s", got.Destination.Type)
+	}
+	if got.Destination.ExternalChain == nil {
+		t.Fatalf("expected external chain payload")
+	}
+	if got.Destination.ExternalChain.Asset == nil || got.Destination.ExternalChain.Asset.Chain != "TRON_MAINNET" {
+		t.Fatalf("expected TRON_MAINNET chain, got %#v", got.Destination.ExternalChain.Asset)
+	}
+	if got.Destination.ExternalChain.Memo != tag {
+		t.Fatalf("expected destination memo %q, got %q", tag, got.Destination.ExternalChain.Memo)
+	}
+	if got.SettlementCurrency != "USDT" {
+		t.Fatalf("expected settlement currency USDT, got %q", got.SettlementCurrency)
+	}
+	if got.Amount == nil || got.Amount.Amount != "10.25" {
+		t.Fatalf("unexpected amount: %#v", got.Amount)
+	}
+}
+
+func TestHydrateOne_ResolvesPaymentMethodRefViaPrivateMethod(t *testing.T) {
+	orgRef := bson.NewObjectID().Hex()
+	methodRef := bson.NewObjectID().Hex()
+	resolvedMethodRef := bson.NewObjectID().Hex()
+
+	var getReq *methodsv1.GetPaymentMethodPrivateRequest
+	h := New(&fakeMethodsClient{
+		getPaymentMethodPrivateFn: func(
+			_ context.Context,
+			req *methodsv1.GetPaymentMethodPrivateRequest,
+			_ ...grpc.CallOption,
+		) (*methodsv1.GetPaymentMethodPrivateResponse, error) {
+			getReq = req
+			return &methodsv1.GetPaymentMethodPrivateResponse{
+				PaymentMethodRecord: &endpointv1.PaymentMethodRecord{
+					PermissionBound: &pboundv1.PermissionBound{
+						Storable: &storablev1.Storable{Id: resolvedMethodRef},
+					},
+					PaymentMethod: &endpointv1.PaymentMethod{
+						Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+						Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{
+							WalletID: "mw-source-ref",
+						}),
+					},
+				},
+			}, nil
+		},
+	})
+
+	intent := &transferv1.TransferIntent{
+		Source: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethodRef{PaymentMethodRef: methodRef},
+		},
+		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",
+						Country:  "US",
+					}),
+				},
+			},
+		},
+		Amount: newMoney("1", "USD"),
+	}
+
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: orgRef,
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if err != nil {
+		t.Fatalf("HydrateOne returned error: %v", err)
+	}
+	if getReq == nil {
+		t.Fatalf("expected GetPaymentMethodPrivate call")
+	}
+	if getReq.GetOrganizationRef() != orgRef {
+		t.Fatalf("unexpected organization_ref in request: %#v", getReq)
+	}
+	if getReq.GetEndpoint() != methodsv1.PrivateEndpoint_PRIVATE_ENDPOINT_SOURCE {
+		t.Fatalf("expected source endpoint role, got %s", getReq.GetEndpoint().String())
+	}
+	if getReq.GetPaymentMethodRef() != methodRef {
+		t.Fatalf("unexpected payment_method_ref in request: %#v", getReq)
+	}
+	if got.Source.PaymentMethodRef != resolvedMethodRef {
+		t.Fatalf("expected resolved payment_method_ref %q, got %q", resolvedMethodRef, got.Source.PaymentMethodRef)
+	}
+	if got.Source.ManagedWallet == nil || got.Source.ManagedWallet.ManagedWalletRef != "mw-source-ref" {
+		t.Fatalf("unexpected resolved source: %#v", got.Source)
+	}
+}
+
+func TestHydrateOne_ResolvesPayeeRefViaPrivateMethod(t *testing.T) {
+	orgRef := bson.NewObjectID().Hex()
+	payeeRef := bson.NewObjectID().Hex()
+	mainMethodRef := bson.NewObjectID().Hex()
+
+	var getReq *methodsv1.GetPaymentMethodPrivateRequest
+	h := New(&fakeMethodsClient{
+		getPaymentMethodPrivateFn: func(
+			_ context.Context,
+			req *methodsv1.GetPaymentMethodPrivateRequest,
+			_ ...grpc.CallOption,
+		) (*methodsv1.GetPaymentMethodPrivateResponse, error) {
+			getReq = req
+			return &methodsv1.GetPaymentMethodPrivateResponse{
+				PaymentMethodRecord: &endpointv1.PaymentMethodRecord{
+					PermissionBound: &pboundv1.PermissionBound{
+						Storable: &storablev1.Storable{Id: mainMethodRef},
+					},
+					PaymentMethod: &endpointv1.PaymentMethod{
+						Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD_TOKEN,
+						Data: mustMarshalBSON(t, pkgmodel.TokenPaymentData{
+							Token:          "tok-1",
+							CardholderName: "John",
+							ExpMonth:       "1",
+							ExpYear:        "2031",
+							Country:        "US",
+						}),
+					},
+				},
+			}, nil
+		},
+	})
+
+	intent := &transferv1.TransferIntent{
+		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_PayeeRef{PayeeRef: payeeRef},
+		},
+		Amount: newMoney("7.5", "USD"),
+	}
+
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: orgRef,
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if err != nil {
+		t.Fatalf("HydrateOne returned error: %v", err)
+	}
+	if getReq == nil {
+		t.Fatalf("expected GetPaymentMethodPrivate call")
+	}
+	if getReq.GetOrganizationRef() != orgRef || getReq.GetPayeeRef() != payeeRef {
+		t.Fatalf("unexpected request: %#v", getReq)
+	}
+	if getReq.GetEndpoint() != methodsv1.PrivateEndpoint_PRIVATE_ENDPOINT_DESTINATION {
+		t.Fatalf("expected destination endpoint role, got %s", getReq.GetEndpoint().String())
+	}
+	if got.Destination.Type != QuoteEndpointTypeCard {
+		t.Fatalf("expected card destination, got %s", got.Destination.Type)
+	}
+	if got.Destination.Card == nil || got.Destination.Card.Token != "tok-1" {
+		t.Fatalf("unexpected selected destination method: %#v", got.Destination)
+	}
+	if got.Destination.PaymentMethodRef != mainMethodRef {
+		t.Fatalf("expected selected main method ref %q, got %q", mainMethodRef, got.Destination.PaymentMethodRef)
+	}
+}
+
+func TestHydrateOne_ResolvesInlineAccountPaymentMethodViaPrivateMethod(t *testing.T) {
+	orgRef := bson.NewObjectID().Hex()
+	accountRecipientRef := bson.NewObjectID().Hex()
+	childMethodRef := bson.NewObjectID().Hex()
+
+	var getReq *methodsv1.GetPaymentMethodPrivateRequest
+	h := New(&fakeMethodsClient{
+		getPaymentMethodPrivateFn: func(
+			_ context.Context,
+			req *methodsv1.GetPaymentMethodPrivateRequest,
+			_ ...grpc.CallOption,
+		) (*methodsv1.GetPaymentMethodPrivateResponse, error) {
+			getReq = req
+			return &methodsv1.GetPaymentMethodPrivateResponse{
+				PaymentMethodRecord: &endpointv1.PaymentMethodRecord{
+					PermissionBound: &pboundv1.PermissionBound{
+						Storable: &storablev1.Storable{Id: childMethodRef},
+					},
+					PaymentMethod: &endpointv1.PaymentMethod{
+						Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+						Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{
+							WalletID: "mw-child-main",
+						}),
+					},
+				},
+			}, nil
+		},
+	})
+
+	intent := &transferv1.TransferIntent{
+		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_ACCOUNT,
+					RecipientRef: accountRecipientRef,
+				},
+			},
+		},
+		Amount: newMoney("4.2", "USD"),
+	}
+
+	got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: orgRef,
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if err != nil {
+		t.Fatalf("HydrateOne returned error: %v", err)
+	}
+	if getReq == nil {
+		t.Fatalf("expected GetPaymentMethodPrivate call")
+	}
+	if getReq.GetOrganizationRef() != orgRef || getReq.GetPayeeRef() != accountRecipientRef {
+		t.Fatalf("unexpected request: %#v", getReq)
+	}
+	if getReq.GetEndpoint() != methodsv1.PrivateEndpoint_PRIVATE_ENDPOINT_DESTINATION {
+		t.Fatalf("expected destination endpoint role, got %s", getReq.GetEndpoint().String())
+	}
+	if got.Destination.Type != QuoteEndpointTypeManagedWallet {
+		t.Fatalf("expected managed wallet destination, got %s", got.Destination.Type)
+	}
+	if got.Destination.ManagedWallet == nil || got.Destination.ManagedWallet.ManagedWalletRef != "mw-child-main" {
+		t.Fatalf("unexpected resolved destination: %#v", got.Destination.ManagedWallet)
+	}
+	if got.Destination.PaymentMethodRef != childMethodRef {
+		t.Fatalf("expected resolved child method ref %q, got %q", childMethodRef, got.Destination.PaymentMethodRef)
+	}
+}
+
+func TestHydrateOne_ReferenceWithoutMethodsClientFails(t *testing.T) {
+	h := New(nil)
+	intent := &transferv1.TransferIntent{
+		Source: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethodRef{PaymentMethodRef: bson.NewObjectID().Hex()},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+					Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{
+						WalletID: "mw-dst",
+					}),
+				},
+			},
+		},
+		Amount: newMoney("1", "USD"),
+	}
+
+	_, err := h.HydrateOne(context.Background(), HydrateOneInput{
+		OrganizationRef: bson.NewObjectID().Hex(),
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intent:          intent,
+	})
+	if !errors.Is(err, ErrPaymentMethodsClientRequired) {
+		t.Fatalf("expected ErrPaymentMethodsClientRequired, got %v", err)
+	}
+}
+
+func TestHydrateMany_IndexesError(t *testing.T) {
+	h := New(nil)
+	intents := []*transferv1.TransferIntent{
+		{
+			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"),
+		},
+		{
+			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-2",
+						}),
+					},
+				},
+			},
+			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: "nope",
+							ExpYear:  "2030",
+						}),
+					},
+				},
+			},
+			Amount: newMoney("2", "USD"),
+		},
+	}
+
+	_, err := h.HydrateMany(context.Background(), HydrateManyInput{
+		OrganizationRef: bson.NewObjectID().Hex(),
+		InitiatorRef:    bson.NewObjectID().Hex(),
+		Intents:         intents,
+	})
+	if err == nil {
+		t.Fatalf("expected batch hydration error")
+	}
+	if !strings.Contains(err.Error(), "intents[1]") {
+		t.Fatalf("expected indexed error, got %v", err)
+	}
+}
+
+type fakeMethodsClient struct {
+	getPaymentMethodPrivateFn func(context.Context, *methodsv1.GetPaymentMethodPrivateRequest, ...grpc.CallOption) (*methodsv1.GetPaymentMethodPrivateResponse, error)
+}
+
+func (f *fakeMethodsClient) GetPaymentMethodPrivate(
+	ctx context.Context,
+	req *methodsv1.GetPaymentMethodPrivateRequest,
+	opts ...grpc.CallOption,
+) (*methodsv1.GetPaymentMethodPrivateResponse, error) {
+	if f.getPaymentMethodPrivateFn == nil {
+		return nil, errors.New("unexpected GetPaymentMethodPrivate call")
+	}
+	return f.getPaymentMethodPrivateFn(ctx, req, opts...)
+}
+
+func newMoney(amount, currency string) *moneyv1.Money {
+	return &moneyv1.Money{
+		Amount:   amount,
+		Currency: currency,
+	}
+}
+
+func mustMarshalBSON(t *testing.T, value any) []byte {
+	t.Helper()
+	data, err := bson.Marshal(value)
+	if err != nil {
+		t.Fatalf("marshal bson: %v", err)
+	}
+	return data
+}

api/payments/quotation/internal/shared/funding.go

@@ -0,0 +1,20 @@
+package shared
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/payments/storage/model"
+)
+
+func NormalizeFundingMode(mode model.FundingMode) model.FundingMode {
+	switch strings.ToLower(strings.TrimSpace(string(mode))) {
+	case string(model.FundingModeNone):
+		return model.FundingModeNone
+	case string(model.FundingModeBalanceReserve):
+		return model.FundingModeBalanceReserve
+	case string(model.FundingModeDepositObserved):
+		return model.FundingModeDepositObserved
+	default:
+		return model.FundingModeUnspecified
+	}
+}