api/gateway/chain/go.mod

@@ -25,7 +25,7 @@ require (
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63 // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.10.0 // indirect

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b h1:RVnS+OZmBJbbNeqejAksq3Mxc73y0IEzyTUHPPWZuj8=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63 h1:kLumy+keYsmuByIG8/G7Iay1vGCd1/WBq8a3vvPJWTM=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=

api/gateway/tron/go.mod

@@ -27,7 +27,7 @@ require (
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63 // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.10.0 // indirect

api/gateway/tron/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b h1:RVnS+OZmBJbbNeqejAksq3Mxc73y0IEzyTUHPPWZuj8=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260218040609-6f1c0c95351b/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63 h1:kLumy+keYsmuByIG8/G7Iay1vGCd1/WBq8a3vvPJWTM=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260224171832-d0e24df9ee63/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=

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

@@ -6,7 +6,6 @@ import (
 
 	"github.com/tech/sendico/payments/storage/model"
 	pkgmodel "github.com/tech/sendico/pkg/model"
-	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	endpointv1 "github.com/tech/sendico/pkg/proto/payments/endpoint/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
@@ -29,10 +28,7 @@ func mapIntentSnapshot(src model.PaymentIntent) (*quotationv2.QuoteIntent, error
 	}
 
 	settlementMode := settlementModeToProto(src.SettlementMode)
-	feeTreatment := payecon.DefaultFeeTreatment()
-	if len(src.Attributes) > 0 {
-		feeTreatment = payecon.ResolveFeeTreatmentFromStringOrDefault(src.Attributes["fee_treatment"])
-	}
+	feeTreatment := feeTreatmentToProto(src.FeeTreatment)
 	return &quotationv2.QuoteIntent{
 		Source:             source,
 		Destination:        destination,
@@ -191,6 +187,17 @@ func settlementModeToProto(mode model.SettlementMode) paymentv1.SettlementMode {
 	}
 }
 
+func feeTreatmentToProto(value model.FeeTreatment) quotationv2.FeeTreatment {
+	switch value {
+	case model.FeeTreatmentDeductFromDestination:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
+	case model.FeeTreatmentAddToSource:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
+	default:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
+	}
+}
+
 func uintToString(value uint32) string {
 	if value == 0 {
 		return ""

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

@@ -239,10 +239,10 @@ func newPaymentFixture() *agg.Payment {
 				Currency: "USDT",
 			},
 			SettlementMode:     model.SettlementModeFixSource,
+			FeeTreatment:       model.FeeTreatmentDeductFromDestination,
 			SettlementCurrency: "USD",
 			Attributes: map[string]string{
-				"comment":       "invoice-7",
-				"fee_treatment": "deduct_from_destination",
+				"comment": "invoice-7",
 			},
 		},
 		QuoteSnapshot: &model.PaymentQuoteSnapshot{

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

@@ -5,12 +5,14 @@ import (
 
 	"github.com/tech/sendico/payments/storage/model"
 	chainasset "github.com/tech/sendico/pkg/chain"
+	payecon "github.com/tech/sendico/pkg/payments/economics"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
 )
 
@@ -18,17 +20,28 @@ func intentFromProto(src *sharedv1.PaymentIntent) model.PaymentIntent {
 	if src == nil {
 		return model.PaymentIntent{}
 	}
+	attrs := cloneMetadata(src.GetAttributes())
+	feeTreatment := feeTreatmentFromAttributes(attrs)
+	delete(attrs, "fee_treatment")
+	delete(attrs, "feeTreatment")
+	delete(attrs, "settlement_mode")
+	delete(attrs, "settlementMode")
+
+	settlementCurrency := derivedSettlementCurrencyFromProtoIntent(src)
+	requiresFX := derivedRequiresFXFromProtoIntent(src, settlementCurrency)
+
 	intent := model.PaymentIntent{
 		Ref:                src.GetRef(),
 		Kind:               modelKindFromProto(src.GetKind()),
 		Source:             endpointFromProto(src.GetSource()),
 		Destination:        endpointFromProto(src.GetDestination()),
 		Amount:             moneyFromProto(src.GetAmount()),
-		RequiresFX:         src.GetRequiresFx(),
+		RequiresFX:         requiresFX,
 		FeePolicy:          feePolicyFromProto(src.GetFeePolicy()),
 		SettlementMode:     settlementModeFromProto(src.GetSettlementMode()),
-		SettlementCurrency: strings.TrimSpace(src.GetSettlementCurrency()),
-		Attributes:         cloneMetadata(src.GetAttributes()),
+		FeeTreatment:       feeTreatment,
+		SettlementCurrency: settlementCurrency,
+		Attributes:         attrs,
 		Customer:           customerFromProto(src.GetCustomer()),
 	}
 	if src.GetFx() != nil {
@@ -103,17 +116,33 @@ func fxIntentFromProto(src *sharedv1.FXIntent) *model.FXIntent {
 }
 
 func protoIntentFromModel(src model.PaymentIntent) *sharedv1.PaymentIntent {
+	attrs := cloneMetadata(src.Attributes)
+	if attrs == nil {
+		attrs = map[string]string{}
+	}
+	if feeTreatment := strings.TrimSpace(string(src.FeeTreatment)); feeTreatment != "" && feeTreatment != string(model.FeeTreatmentUnspecified) {
+		attrs["fee_treatment"] = feeTreatment
+	}
+	if len(attrs) == 0 {
+		attrs = nil
+	}
+
+	settlementCurrency := strings.TrimSpace(src.SettlementCurrency)
+	if settlementCurrency == "" {
+		settlementCurrency = derivedSettlementCurrencyFromModelIntent(src)
+	}
+
 	intent := &sharedv1.PaymentIntent{
 		Ref:                src.Ref,
 		Kind:               protoKindFromModel(src.Kind),
 		Source:             protoEndpointFromModel(src.Source),
 		Destination:        protoEndpointFromModel(src.Destination),
 		Amount:             protoMoney(src.Amount),
-		RequiresFx:         src.RequiresFX,
+		RequiresFx:         derivedRequiresFXFromModelIntent(src, settlementCurrency),
 		FeePolicy:          feePolicyToProto(src.FeePolicy),
 		SettlementMode:     settlementModeToProto(src.SettlementMode),
-		SettlementCurrency: strings.TrimSpace(src.SettlementCurrency),
-		Attributes:         cloneMetadata(src.Attributes),
+		SettlementCurrency: settlementCurrency,
+		Attributes:         attrs,
 		Customer:           protoCustomerFromModel(src.Customer),
 	}
 	if src.FX != nil {
@@ -122,6 +151,109 @@ func protoIntentFromModel(src model.PaymentIntent) *sharedv1.PaymentIntent {
 	return intent
 }
 
+func feeTreatmentFromAttributes(attrs map[string]string) model.FeeTreatment {
+	if len(attrs) == 0 {
+		return model.FeeTreatmentAddToSource
+	}
+	keys := []string{"fee_treatment", "feeTreatment"}
+	for _, key := range keys {
+		if value := strings.TrimSpace(attrs[key]); value != "" {
+			switch payecon.ResolveFeeTreatmentFromStringOrDefault(value) {
+			case quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION:
+				return model.FeeTreatmentDeductFromDestination
+			default:
+				return model.FeeTreatmentAddToSource
+			}
+		}
+	}
+	return model.FeeTreatmentAddToSource
+}
+
+func derivedSettlementCurrencyFromProtoIntent(src *sharedv1.PaymentIntent) string {
+	if src == nil {
+		return ""
+	}
+	if fx := src.GetFx(); fx != nil && fx.GetPair() != nil {
+		if currency := settlementCurrencyFromPair(fx.GetPair(), fx.GetSide()); currency != "" {
+			return currency
+		}
+	}
+	if amount := src.GetAmount(); amount != nil {
+		if currency := strings.ToUpper(strings.TrimSpace(amount.GetCurrency())); currency != "" {
+			return currency
+		}
+	}
+	return strings.ToUpper(strings.TrimSpace(src.GetSettlementCurrency()))
+}
+
+func derivedSettlementCurrencyFromModelIntent(src model.PaymentIntent) string {
+	if src.FX != nil && src.FX.Pair != nil {
+		pair := &fxv1.CurrencyPair{
+			Base:  strings.TrimSpace(src.FX.Pair.Base),
+			Quote: strings.TrimSpace(src.FX.Pair.Quote),
+		}
+		if currency := settlementCurrencyFromPair(pair, fxSideToProto(src.FX.Side)); currency != "" {
+			return currency
+		}
+	}
+	if src.Amount != nil {
+		if currency := strings.ToUpper(strings.TrimSpace(src.Amount.Currency)); currency != "" {
+			return currency
+		}
+	}
+	return ""
+}
+
+func settlementCurrencyFromPair(pair *fxv1.CurrencyPair, side fxv1.Side) string {
+	if pair == nil {
+		return ""
+	}
+	base := strings.ToUpper(strings.TrimSpace(pair.GetBase()))
+	quote := strings.ToUpper(strings.TrimSpace(pair.GetQuote()))
+	switch side {
+	case fxv1.Side_BUY_BASE_SELL_QUOTE:
+		if base != "" {
+			return base
+		}
+	case fxv1.Side_SELL_BASE_BUY_QUOTE, fxv1.Side_SIDE_UNSPECIFIED:
+		if quote != "" {
+			return quote
+		}
+	}
+	if quote != "" {
+		return quote
+	}
+	return base
+}
+
+func derivedRequiresFXFromProtoIntent(src *sharedv1.PaymentIntent, settlementCurrency string) bool {
+	if src == nil {
+		return false
+	}
+	if fx := src.GetFx(); fx != nil && fx.GetPair() != nil {
+		return true
+	}
+	amount := src.GetAmount()
+	if amount == nil {
+		return false
+	}
+	amountCurrency := strings.ToUpper(strings.TrimSpace(amount.GetCurrency()))
+	settlementCurrency = strings.ToUpper(strings.TrimSpace(settlementCurrency))
+	return amountCurrency != "" && settlementCurrency != "" && !strings.EqualFold(amountCurrency, settlementCurrency)
+}
+
+func derivedRequiresFXFromModelIntent(src model.PaymentIntent, settlementCurrency string) bool {
+	if src.FX != nil && src.FX.Pair != nil {
+		return true
+	}
+	if src.Amount == nil {
+		return false
+	}
+	amountCurrency := strings.ToUpper(strings.TrimSpace(src.Amount.Currency))
+	settlementCurrency = strings.ToUpper(strings.TrimSpace(settlementCurrency))
+	return amountCurrency != "" && settlementCurrency != "" && !strings.EqualFold(amountCurrency, settlementCurrency)
+}
+
 func customerFromProto(src *sharedv1.Customer) *model.Customer {
 	if src == nil {
 		return nil

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

@@ -0,0 +1,97 @@
+package quotation
+
+import (
+	"testing"
+
+	"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"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+)
+
+func TestIntentFromProto_DerivesCanonicalFXFieldsAndFeeTreatment(t *testing.T) {
+	src := &sharedv1.PaymentIntent{
+		Amount:             &moneyv1.Money{Amount: "10", Currency: "USDT"},
+		SettlementCurrency: "USD",
+		RequiresFx:         false,
+		Fx: &sharedv1.FXIntent{
+			Pair: &fxv1.CurrencyPair{Base: "USDT", Quote: "RUB"},
+			Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
+		},
+		Attributes: map[string]string{
+			"comment":         "invoice-7",
+			"fee_treatment":   "deduct_from_destination",
+			"settlement_mode": "fix_source",
+		},
+	}
+
+	got := intentFromProto(src)
+	if got.SettlementCurrency != "RUB" {
+		t.Fatalf("unexpected settlement currency: got=%q", got.SettlementCurrency)
+	}
+	if !got.RequiresFX {
+		t.Fatalf("expected requires_fx to be derived as true")
+	}
+	if got.FeeTreatment != model.FeeTreatmentDeductFromDestination {
+		t.Fatalf("unexpected fee treatment: got=%q", got.FeeTreatment)
+	}
+	if _, ok := got.Attributes["fee_treatment"]; ok {
+		t.Fatalf("fee_treatment must not be kept in generic attributes")
+	}
+	if _, ok := got.Attributes["settlement_mode"]; ok {
+		t.Fatalf("settlement_mode must not be kept in generic attributes")
+	}
+	if got.Attributes["comment"] != "invoice-7" {
+		t.Fatalf("comment attribute must be preserved")
+	}
+}
+
+func TestProtoIntentFromModel_DerivesRequiresFXAndSettlementCurrency(t *testing.T) {
+	src := model.PaymentIntent{
+		Amount: &paymenttypes.Money{
+			Amount:   "10",
+			Currency: "USDT",
+		},
+		FX: &model.FXIntent{
+			Pair: &paymenttypes.CurrencyPair{
+				Base:  "USDT",
+				Quote: "RUB",
+			},
+			Side: paymenttypes.FXSideSellBaseBuyQuote,
+		},
+		FeeTreatment: model.FeeTreatmentAddToSource,
+		Attributes: map[string]string{
+			"comment": "invoice-7",
+		},
+	}
+
+	got := protoIntentFromModel(src)
+	if got.GetSettlementCurrency() != "RUB" {
+		t.Fatalf("unexpected settlement currency: got=%q", got.GetSettlementCurrency())
+	}
+	if !got.GetRequiresFx() {
+		t.Fatalf("expected requires_fx=true to be derived from FX intent")
+	}
+	if got.GetAttributes()["fee_treatment"] != "add_to_source" {
+		t.Fatalf("expected fee_treatment compatibility attribute to be set")
+	}
+	if got.GetAttributes()["comment"] != "invoice-7" {
+		t.Fatalf("expected comment attribute to be preserved")
+	}
+}
+
+func TestProtoIntentFromModel_DerivesRequiresFXFromCurrencyMismatchWithoutFX(t *testing.T) {
+	src := model.PaymentIntent{
+		Amount: &paymenttypes.Money{
+			Amount:   "10",
+			Currency: "USDT",
+		},
+		SettlementCurrency: "RUB",
+	}
+
+	got := protoIntentFromModel(src)
+	if !got.GetRequiresFx() {
+		t.Fatalf("expected requires_fx=true for currency mismatch")
+	}
+}

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

@@ -3,70 +3,136 @@ package quotation
 import (
 	"testing"
 
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 )
 
-func TestComputeAggregates_AddToSource(t *testing.T) {
+func TestComputeAggregates_FeeTreatmentMatrix(t *testing.T) {
+	fxQuote := &oraclev1.Quote{
+		Pair: &fxv1.CurrencyPair{
+			Base:  "USDT",
+			Quote: "RUB",
+		},
+		Price: &moneyv1.Decimal{
+			Value: "76",
+		},
+		Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
+	}
+
+	cases := []struct {
+		name           string
+		pay            *moneyv1.Money
+		settlement     *moneyv1.Money
+		fee            *moneyv1.Money
+		networkFee     *moneyv1.Money
+		fxQuote        *oraclev1.Quote
+		feeTreatment   quotationv2.FeeTreatment
+		wantDebit      string
+		wantSettlement string
+	}{
+		{
+			name:           "unspecified fee treatment defaults to add_to_source",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USD"},
+			settlement:     &moneyv1.Money{Amount: "100", Currency: "USD"},
+			fee:            &moneyv1.Money{Amount: "10", Currency: "USD"},
+			networkFee:     &moneyv1.Money{Amount: "2", Currency: "USD"},
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED,
+			wantDebit:      "112",
+			wantSettlement: "100",
+		},
+		{
+			name:           "add_to_source charges payer for fee and network",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USD"},
+			settlement:     &moneyv1.Money{Amount: "100", Currency: "USD"},
+			fee:            &moneyv1.Money{Amount: "10", Currency: "USD"},
+			networkFee:     &moneyv1.Money{Amount: "2", Currency: "USD"},
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+			wantDebit:      "112",
+			wantSettlement: "100",
+		},
+		{
+			name:           "deduct_from_destination charges recipient for fee and network",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USD"},
+			settlement:     &moneyv1.Money{Amount: "100", Currency: "USD"},
+			fee:            &moneyv1.Money{Amount: "10", Currency: "USD"},
+			networkFee:     &moneyv1.Money{Amount: "2", Currency: "USD"},
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantDebit:      "100",
+			wantSettlement: "88",
+		},
+		{
+			name:           "add_to_source keeps settlement amount unchanged in FX path",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USDT"},
+			settlement:     &moneyv1.Money{Amount: "7600", Currency: "RUB"},
+			fee:            &moneyv1.Money{Amount: "1", Currency: "USDT"},
+			networkFee:     &moneyv1.Money{Amount: "1", Currency: "USDT"},
+			fxQuote:        fxQuote,
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+			wantDebit:      "102",
+			wantSettlement: "7600",
+		},
+		{
+			name:           "deduct_from_destination converts charges in FX path",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USDT"},
+			settlement:     &moneyv1.Money{Amount: "7600", Currency: "RUB"},
+			fee:            &moneyv1.Money{Amount: "1", Currency: "USDT"},
+			networkFee:     &moneyv1.Money{Amount: "1", Currency: "USDT"},
+			fxQuote:        fxQuote,
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantDebit:      "100",
+			wantSettlement: "7448",
+		},
+		{
+			name:           "no charges keeps aggregates intact",
+			pay:            &moneyv1.Money{Amount: "100", Currency: "USD"},
+			settlement:     &moneyv1.Money{Amount: "100", Currency: "USD"},
+			feeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantDebit:      "100",
+			wantSettlement: "100",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			var network *chainv1.EstimateTransferFeeResponse
+			if tc.networkFee != nil {
+				network = &chainv1.EstimateTransferFeeResponse{NetworkFee: tc.networkFee}
+			}
+
+			debit, settlement := computeAggregates(
+				tc.pay,
+				tc.settlement,
+				tc.fee,
+				network,
+				tc.fxQuote,
+				tc.feeTreatment,
+			)
+			if debit == nil || settlement == nil {
+				t.Fatalf("expected aggregate amounts")
+			}
+			if got, want := debit.GetAmount(), tc.wantDebit; got != want {
+				t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
+			}
+			if got, want := settlement.GetAmount(), tc.wantSettlement; got != want {
+				t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
+			}
+		})
+	}
+}
+
+func TestComputeAggregates_NilPayReturnsNil(t *testing.T) {
 	debit, settlement := computeAggregates(
-		&moneyv1.Money{Amount: "100", Currency: "USD"},
+		nil,
 		&moneyv1.Money{Amount: "100", Currency: "USD"},
 		&moneyv1.Money{Amount: "10", Currency: "USD"},
 		nil,
 		nil,
 		quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
 	)
-	if debit == nil || settlement == nil {
-		t.Fatalf("expected aggregate amounts")
-	}
-	if got, want := debit.GetAmount(), "110"; got != want {
-		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
-	}
-	if got, want := settlement.GetAmount(), "100"; got != want {
-		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
-	}
-}
-
-func TestComputeAggregates_DeductFromDestination(t *testing.T) {
-	debit, settlement := computeAggregates(
-		&moneyv1.Money{Amount: "100", Currency: "USD"},
-		&moneyv1.Money{Amount: "100", Currency: "USD"},
-		&moneyv1.Money{Amount: "10", Currency: "USD"},
-		nil,
-		nil,
-		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
-	)
-	if debit == nil || settlement == nil {
-		t.Fatalf("expected aggregate amounts")
-	}
-	if got, want := debit.GetAmount(), "100"; got != want {
-		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
-	}
-	if got, want := settlement.GetAmount(), "90"; got != want {
-		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
-	}
-}
-
-func TestComputeAggregates_NetworkFeeFollowsFeeTreatment(t *testing.T) {
-	networkFee := &chainv1.EstimateTransferFeeResponse{
-		NetworkFee: &moneyv1.Money{Amount: "2", Currency: "USD"},
-	}
-	debit, settlement := computeAggregates(
-		&moneyv1.Money{Amount: "100", Currency: "USD"},
-		&moneyv1.Money{Amount: "100", Currency: "USD"},
-		&moneyv1.Money{Amount: "10", Currency: "USD"},
-		networkFee,
-		nil,
-		quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
-	)
-	if debit == nil || settlement == nil {
-		t.Fatalf("expected aggregate amounts")
-	}
-	if got, want := debit.GetAmount(), "100"; got != want {
-		t.Fatalf("unexpected debit amount: got=%s want=%s", got, want)
-	}
-	if got, want := settlement.GetAmount(), "88"; got != want {
-		t.Fatalf("unexpected settlement amount: got=%s want=%s", got, want)
+	if debit != nil || settlement != nil {
+		t.Fatalf("expected nil aggregates, got debit=%v settlement=%v", debit, settlement)
 	}
 }

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

@@ -59,10 +59,7 @@ func shouldRequestFX(intent *sharedv1.PaymentIntent) bool {
 	if intent == nil {
 		return false
 	}
-	if fxIntentForQuote(intent) != nil {
-		return true
-	}
-	return intent.GetRequiresFx()
+	return fxIntentForQuote(intent) != nil
 }
 
 func fxIntentForQuote(intent *sharedv1.PaymentIntent) *sharedv1.FXIntent {

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

@@ -0,0 +1,116 @@
+package quotation
+
+import (
+	"testing"
+
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+	sharedv1 "github.com/tech/sendico/pkg/proto/payments/shared/v1"
+)
+
+func TestResolvedFeeTreatmentForQuote(t *testing.T) {
+	cases := []struct {
+		name   string
+		intent *sharedv1.PaymentIntent
+		want   quotationv2.FeeTreatment
+	}{
+		{
+			name:   "nil intent defaults",
+			intent: nil,
+			want:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name:   "no attributes defaults",
+			intent: &sharedv1.PaymentIntent{},
+			want:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name: "snake key parsed",
+			intent: &sharedv1.PaymentIntent{
+				Attributes: map[string]string{
+					"fee_treatment": "deduct_from_destination",
+				},
+			},
+			want: quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+		{
+			name: "camel key parsed",
+			intent: &sharedv1.PaymentIntent{
+				Attributes: map[string]string{
+					"feeTreatment": "fee_treatment_deduct_from_destination",
+				},
+			},
+			want: quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+		{
+			name: "invalid value falls back to default",
+			intent: &sharedv1.PaymentIntent{
+				Attributes: map[string]string{
+					"fee_treatment": "something_else",
+				},
+			},
+			want: quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name: "snake key takes precedence over camel key",
+			intent: &sharedv1.PaymentIntent{
+				Attributes: map[string]string{
+					"fee_treatment": "add_to_source",
+					"feeTreatment":  "deduct_from_destination",
+				},
+			},
+			want: quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+		},
+		{
+			name: "value is trimmed and case-insensitive",
+			intent: &sharedv1.PaymentIntent{
+				Attributes: map[string]string{
+					"fee_treatment": "  FEE_TREATMENT_DEDUCT_FROM_DESTINATION  ",
+				},
+			},
+			want: quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			got := resolvedFeeTreatmentForQuote(tc.intent)
+			if got != tc.want {
+				t.Fatalf("unexpected fee treatment: got=%s want=%s", got.String(), tc.want.String())
+			}
+		})
+	}
+}
+
+func TestShouldRequestFX_DoesNotDependOnRequiresFxFlag(t *testing.T) {
+	intent := &sharedv1.PaymentIntent{
+		Amount:             &moneyv1.Money{Amount: "10", Currency: "USDT"},
+		SettlementCurrency: "USDT",
+		RequiresFx:         true,
+	}
+	if got := shouldRequestFX(intent); got {
+		t.Fatalf("expected shouldRequestFX=false when only requires_fx=true without FX data")
+	}
+}
+
+func TestShouldRequestFX_UsesFXIntentOrCurrencyDifference(t *testing.T) {
+	withPair := &sharedv1.PaymentIntent{
+		Amount: &moneyv1.Money{Amount: "10", Currency: "USDT"},
+		Fx: &sharedv1.FXIntent{
+			Pair: &fxv1.CurrencyPair{Base: "USDT", Quote: "RUB"},
+			Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
+		},
+	}
+	if got := shouldRequestFX(withPair); !got {
+		t.Fatalf("expected shouldRequestFX=true for explicit fx intent")
+	}
+
+	withDerived := &sharedv1.PaymentIntent{
+		Amount:             &moneyv1.Money{Amount: "10", Currency: "USDT"},
+		SettlementCurrency: "RUB",
+	}
+	if got := shouldRequestFX(withDerived); !got {
+		t.Fatalf("expected shouldRequestFX=true for derived FX from currency mismatch")
+	}
+}

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

@@ -130,9 +130,9 @@ func mapLegacyQuote(in quote_computation_service.BuildQuoteInput, src *sharedv1.
 	if resolvedSettlementMode == paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED {
 		resolvedSettlementMode = paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE
 	}
-	resolvedFeeTreatment := payecon.DefaultFeeTreatment()
-	if attrs := in.Intent.Attributes; len(attrs) > 0 {
-		resolvedFeeTreatment = payecon.ResolveFeeTreatmentFromStringOrDefault(attrs["fee_treatment"])
+	resolvedFeeTreatment := feeTreatmentToProto(in.Intent.FeeTreatment)
+	if resolvedFeeTreatment == quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED {
+		resolvedFeeTreatment = payecon.DefaultFeeTreatment()
 	}
 	return &quote_computation_service.ComputedQuote{
 		DebitAmount:            cloneProtoMoney(src.GetDebitSettlementAmount()),
@@ -148,6 +148,17 @@ func mapLegacyQuote(in quote_computation_service.BuildQuoteInput, src *sharedv1.
 	}
 }
 
+func feeTreatmentToProto(value model.FeeTreatment) quotationv2.FeeTreatment {
+	switch value {
+	case model.FeeTreatmentDeductFromDestination:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION
+	case model.FeeTreatmentAddToSource:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE
+	default:
+		return quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED
+	}
+}
+
 func cloneRouteSpecification(src *quotationv2.RouteSpecification) *quotationv2.RouteSpecification {
 	if src == nil {
 		return nil

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

@@ -15,6 +15,7 @@ import (
 	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"
+	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
 	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
 	"go.mongodb.org/mongo-driver/v2/bson"
 )
@@ -167,6 +168,68 @@ func TestBuildPlan_RequiresFXUsesSettlementCurrencyForDestinationStep(t *testing
 	}
 }
 
+func TestBuildPlan_ResolvesIndependentEconomicsKnobs(t *testing.T) {
+	svc := New(nil)
+	orgID := bson.NewObjectID()
+	intent := sampleCardQuoteIntent()
+	intent.SettlementMode = transfer_intent_hydrator.QuoteSettlementModeFixReceived
+	intent.FeeTreatment = transfer_intent_hydrator.QuoteFeeTreatmentDeductFromDestination
+
+	planModel, err := svc.BuildPlan(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		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 got, want := item.ResolvedSettlementMode, paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED; got != want {
+		t.Fatalf("unexpected resolved settlement mode: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := item.ResolvedFeeTreatment, quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION; got != want {
+		t.Fatalf("unexpected resolved fee treatment: got=%s want=%s", got.String(), want.String())
+	}
+}
+
+func TestBuildPlan_DefaultsResolvedFeeTreatmentWhenUnspecified(t *testing.T) {
+	svc := New(nil)
+	orgID := bson.NewObjectID()
+	intent := sampleCardQuoteIntent()
+	intent.SettlementMode = transfer_intent_hydrator.QuoteSettlementModeFixReceived
+	intent.FeeTreatment = transfer_intent_hydrator.QuoteFeeTreatmentUnspecified
+
+	planModel, err := svc.BuildPlan(context.Background(), ComputeInput{
+		OrganizationRef:    orgID.Hex(),
+		OrganizationID:     orgID,
+		BaseIdempotencyKey: "idem-key",
+		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 got, want := item.ResolvedSettlementMode, paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED; got != want {
+		t.Fatalf("unexpected resolved settlement mode: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := item.ResolvedFeeTreatment, quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE; got != want {
+		t.Fatalf("unexpected default resolved fee treatment: got=%s want=%s", got.String(), want.String())
+	}
+}
+
 func TestBuildPlan_SelectsGatewaysAndIgnoresIrrelevant(t *testing.T) {
 	svc := New(nil, WithGatewayRegistry(staticGatewayRegistry{
 		items: []*model.GatewayInstanceDescriptor{
@@ -405,6 +468,49 @@ func TestCompute_EnrichesRouteConditionsAndTotalCost(t *testing.T) {
 	if got := core.lastQuoteIn.ExecutionConditions.GetPrefundingRequired(); !got {
 		t.Fatalf("expected prefunding_required in build quote input for reserve mode")
 	}
+	if got, want := result.Quote.ResolvedSettlementMode, paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE; got != want {
+		t.Fatalf("unexpected resolved settlement mode: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := result.Quote.ResolvedFeeTreatment, quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE; got != want {
+		t.Fatalf("unexpected resolved fee treatment: got=%s want=%s", got.String(), want.String())
+	}
+}
+
+func TestCompute_PropagatesIndependentResolvedEconomics(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()
+	intent := sampleCardQuoteIntent()
+	intent.SettlementMode = transfer_intent_hydrator.QuoteSettlementModeFixReceived
+	intent.FeeTreatment = transfer_intent_hydrator.QuoteFeeTreatmentDeductFromDestination
+
+	output, err := svc.Compute(context.Background(), ComputeInput{
+		OrganizationRef: orgID.Hex(),
+		OrganizationID:  orgID,
+		PreviewOnly:     true,
+		Intents:         []*transfer_intent_hydrator.QuoteIntent{intent},
+	})
+	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 {
+		t.Fatalf("expected quote")
+	}
+	if got, want := output.Results[0].Quote.ResolvedSettlementMode, paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED; got != want {
+		t.Fatalf("unexpected resolved settlement mode: got=%s want=%s", got.String(), want.String())
+	}
+	if got, want := output.Results[0].Quote.ResolvedFeeTreatment, quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION; got != want {
+		t.Fatalf("unexpected resolved fee treatment: got=%s want=%s", got.String(), want.String())
+	}
 }
 
 func TestCompute_PreviewMarksIndicativeReadiness(t *testing.T) {

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

@@ -0,0 +1,71 @@
+package quote_computation_service
+
+import (
+	"testing"
+
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	paymentv1 "github.com/tech/sendico/pkg/proto/common/payment/v1"
+	quotationv2 "github.com/tech/sendico/pkg/proto/payments/quotation/v2"
+)
+
+func TestEnsureComputedQuote_UsesItemResolvedEconomicsWhenQuoteUnset(t *testing.T) {
+	src := &ComputedQuote{
+		DebitAmount: &moneyv1.Money{Amount: "10", Currency: "USD"},
+	}
+	item := &QuoteComputationPlanItem{
+		ResolvedSettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+		ResolvedFeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+	}
+
+	got := ensureComputedQuote(src, item)
+	if got == nil {
+		t.Fatalf("expected quote")
+	}
+	if got.ResolvedSettlementMode != paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED {
+		t.Fatalf("unexpected resolved settlement mode: %s", got.ResolvedSettlementMode.String())
+	}
+	if got.ResolvedFeeTreatment != quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION {
+		t.Fatalf("unexpected resolved fee treatment: %s", got.ResolvedFeeTreatment.String())
+	}
+}
+
+func TestEnsureComputedQuote_PreservesQuoteResolvedEconomics(t *testing.T) {
+	src := &ComputedQuote{
+		DebitAmount:            &moneyv1.Money{Amount: "10", Currency: "USD"},
+		ResolvedSettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+		ResolvedFeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+	}
+	item := &QuoteComputationPlanItem{
+		ResolvedSettlementMode: paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+		ResolvedFeeTreatment:   quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+	}
+
+	got := ensureComputedQuote(src, item)
+	if got == nil {
+		t.Fatalf("expected quote")
+	}
+	if got.ResolvedSettlementMode != paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE {
+		t.Fatalf("unexpected resolved settlement mode: %s", got.ResolvedSettlementMode.String())
+	}
+	if got.ResolvedFeeTreatment != quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE {
+		t.Fatalf("unexpected resolved fee treatment: %s", got.ResolvedFeeTreatment.String())
+	}
+}
+
+func TestEnsureComputedQuote_DefaultsResolvedEconomicsWhenUnset(t *testing.T) {
+	src := &ComputedQuote{
+		DebitAmount: &moneyv1.Money{Amount: "10", Currency: "USD"},
+	}
+	item := &QuoteComputationPlanItem{}
+
+	got := ensureComputedQuote(src, item)
+	if got == nil {
+		t.Fatalf("expected quote")
+	}
+	if got.ResolvedSettlementMode != paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE {
+		t.Fatalf("unexpected default settlement mode: %s", got.ResolvedSettlementMode.String())
+	}
+	if got.ResolvedFeeTreatment != quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE {
+		t.Fatalf("unexpected default fee treatment: %s", got.ResolvedFeeTreatment.String())
+	}
+}

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

@@ -78,6 +78,7 @@ func clonePaymentIntent(src model.PaymentIntent) model.PaymentIntent {
 		FX:                 nil,
 		FeePolicy:          src.FeePolicy,
 		SettlementMode:     src.SettlementMode,
+		FeeTreatment:       src.FeeTreatment,
 		SettlementCurrency: strings.ToUpper(strings.TrimSpace(src.SettlementCurrency)),
 		Attributes:         cloneStringMap(src.Attributes),
 		Customer:           src.Customer,

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

@@ -25,6 +25,7 @@ func modelIntentFromQuoteIntent(src *transfer_intent_hydrator.QuoteIntent) model
 		RequiresFX:         src.RequiresFX,
 		Attributes:         cloneStringMap(src.Attributes),
 		SettlementMode:     modelSettlementMode(src.SettlementMode),
+		FeeTreatment:       modelFeeTreatment(src.FeeTreatment),
 		SettlementCurrency: settlementCurrency,
 	}
 }
@@ -106,3 +107,14 @@ func modelSettlementMode(mode transfer_intent_hydrator.QuoteSettlementMode) mode
 		return model.SettlementModeFixSource
 	}
 }
+
+func modelFeeTreatment(value transfer_intent_hydrator.QuoteFeeTreatment) model.FeeTreatment {
+	switch value {
+	case transfer_intent_hydrator.QuoteFeeTreatmentDeductFromDestination:
+		return model.FeeTreatmentDeductFromDestination
+	case transfer_intent_hydrator.QuoteFeeTreatmentAddToSource:
+		return model.FeeTreatmentAddToSource
+	default:
+		return model.FeeTreatmentAddToSource
+	}
+}

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

@@ -335,7 +335,7 @@ func feeTriggerForIntent(intent *sharedv1.PaymentIntent) feesv1.Trigger {
 	if intent == nil {
 		return feesv1.Trigger_TRIGGER_UNSPECIFIED
 	}
-	trigger := triggerFromKind(intent.GetKind(), intent.GetRequiresFx())
+	trigger := triggerFromKind(intent.GetKind(), shouldRequestFX(intent))
 	if trigger != feesv1.Trigger_TRIGGER_FX_CONVERSION && isManagedWalletEndpoint(intent.GetSource()) && isLedgerEndpoint(intent.GetDestination()) {
 		return feesv1.Trigger_TRIGGER_CAPTURE
 	}
@@ -488,17 +488,19 @@ func (s *Service) estimateNetworkFee(ctx context.Context, intent *sharedv1.Payme
 }
 
 func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *quoteRequest) (*oraclev1.Quote, error) {
+	intent := req.GetIntent()
+	fxRequired := shouldRequestFX(intent)
+
 	if !s.deps.oracle.available() {
-		if req.GetIntent().GetRequiresFx() {
+		if fxRequired {
 			return nil, merrors.Internal("fx_oracle_unavailable")
 		}
 		return nil, nil
 	}
-	intent := req.GetIntent()
 	meta := req.GetMeta()
 	fxIntent := fxIntentForQuote(intent)
 	if fxIntent == nil {
-		if intent.GetRequiresFx() {
+		if fxRequired {
 			return nil, merrors.InvalidArgument("fx intent missing")
 		}
 		return nil, nil
@@ -547,7 +549,7 @@ func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *quoteR
 		return nil, merrors.Internal(fmt.Sprintf("orchestrator: fx quote failed, %s", err.Error()))
 	}
 	if quote == nil {
-		if intent.GetRequiresFx() {
+		if fxRequired {
 			return nil, merrors.Internal("orchestrator: fx quote missing")
 		}
 		return nil, nil

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

@@ -281,6 +281,11 @@ func TestValidateQuotePayment_EconomicsKnobsAreIndependent(t *testing.T) {
 		mode paymentv1.SettlementMode
 		fee  quotationv2.FeeTreatment
 	}{
+		{
+			name: "both knobs omitted",
+			mode: paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+			fee:  quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED,
+		},
 		{
 			name: "fix_source with add_to_source",
 			mode: paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,

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

@@ -136,9 +136,7 @@ func (h *TransferIntentHydrator) HydrateOne(ctx context.Context, in HydrateOneIn
 		SettlementCurrency: settlementCurrency,
 		RequiresFX:         requiresFX,
 		Attributes: map[string]string{
-			"initiator_ref":   strings.TrimSpace(in.InitiatorRef),
-			"settlement_mode": string(settlementMode),
-			"fee_treatment":   string(feeTreatment),
+			"initiator_ref": strings.TrimSpace(in.InitiatorRef),
 		},
 	}
 	if intent.Comment != "" {

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

@@ -517,6 +517,148 @@ func TestHydrateOne_DefaultsSettlementModeWhenOnlyFeeTreatmentProvided(t *testin
 	}
 }
 
+func TestHydrateOne_ResolvesEconomicsMatrix(t *testing.T) {
+	h := New(nil)
+	cases := []struct {
+		name     string
+		mode     paymentv1.SettlementMode
+		fee      quotationv2.FeeTreatment
+		wantMode QuoteSettlementMode
+		wantFee  QuoteFeeTreatment
+	}{
+		{
+			name:     "defaults both when unspecified",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_UNSPECIFIED,
+			wantMode: QuoteSettlementModeFixSource,
+			wantFee:  QuoteFeeTreatmentAddToSource,
+		},
+		{
+			name:     "preserves fix_source with add_to_source",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+			wantMode: QuoteSettlementModeFixSource,
+			wantFee:  QuoteFeeTreatmentAddToSource,
+		},
+		{
+			name:     "preserves fix_source with deduct_from_destination",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantMode: QuoteSettlementModeFixSource,
+			wantFee:  QuoteFeeTreatmentDeductFromDestination,
+		},
+		{
+			name:     "preserves fix_received with add_to_source",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+			wantMode: QuoteSettlementModeFixReceived,
+			wantFee:  QuoteFeeTreatmentAddToSource,
+		},
+		{
+			name:     "preserves fix_received with deduct_from_destination",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_FIX_RECEIVED,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantMode: QuoteSettlementModeFixReceived,
+			wantFee:  QuoteFeeTreatmentDeductFromDestination,
+		},
+		{
+			name:     "defaults settlement when only fee provided",
+			mode:     paymentv1.SettlementMode_SETTLEMENT_UNSPECIFIED,
+			fee:      quotationv2.FeeTreatment_FEE_TREATMENT_DEDUCT_FROM_DESTINATION,
+			wantMode: QuoteSettlementModeFixSource,
+			wantFee:  QuoteFeeTreatmentDeductFromDestination,
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			got, err := h.HydrateOne(context.Background(), HydrateOneInput{
+				OrganizationRef: bson.NewObjectID().Hex(),
+				InitiatorRef:    bson.NewObjectID().Hex(),
+				Intent:          economicsCardIntent(t, tc.mode, tc.fee),
+			})
+			if err != nil {
+				t.Fatalf("unexpected error: %v", err)
+			}
+			if got.SettlementMode != tc.wantMode {
+				t.Fatalf("unexpected settlement mode: got=%s want=%s", got.SettlementMode, tc.wantMode)
+			}
+			if got.FeeTreatment != tc.wantFee {
+				t.Fatalf("unexpected fee treatment: got=%s want=%s", got.FeeTreatment, tc.wantFee)
+			}
+			if _, ok := got.Attributes["settlement_mode"]; ok {
+				t.Fatalf("settlement_mode must not be persisted in attributes")
+			}
+			if _, ok := got.Attributes["fee_treatment"]; ok {
+				t.Fatalf("fee_treatment must not be persisted in attributes")
+			}
+		})
+	}
+}
+
+func TestResolveEconomics_InvalidInputs(t *testing.T) {
+	cases := []struct {
+		name        string
+		mode        paymentv1.SettlementMode
+		fee         quotationv2.FeeTreatment
+		wantErrPart string
+	}{
+		{
+			name:        "invalid settlement mode rejected",
+			mode:        paymentv1.SettlementMode(99),
+			fee:         quotationv2.FeeTreatment_FEE_TREATMENT_ADD_TO_SOURCE,
+			wantErrPart: "intent.settlement_mode is invalid",
+		},
+		{
+			name:        "invalid fee treatment rejected",
+			mode:        paymentv1.SettlementMode_SETTLEMENT_FIX_SOURCE,
+			fee:         quotationv2.FeeTreatment(99),
+			wantErrPart: "intent.fee_treatment is invalid",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			_, _, err := resolveEconomics(tc.mode, tc.fee)
+			if err == nil {
+				t.Fatalf("expected error")
+			}
+			if !strings.Contains(err.Error(), tc.wantErrPart) {
+				t.Fatalf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func economicsCardIntent(t *testing.T, mode paymentv1.SettlementMode, fee quotationv2.FeeTreatment) *quotationv2.QuoteIntent {
+	t.Helper()
+	return &quotationv2.QuoteIntent{
+		Source: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_WALLET,
+					Data: mustMarshalBSON(t, pkgmodel.WalletPaymentData{WalletID: "mw-src"}),
+				},
+			},
+		},
+		Destination: &endpointv1.PaymentEndpoint{
+			Source: &endpointv1.PaymentEndpoint_PaymentMethod{
+				PaymentMethod: &endpointv1.PaymentMethod{
+					Type: endpointv1.PaymentMethodType_PAYMENT_METHOD_TYPE_CARD,
+					Data: mustMarshalBSON(t, pkgmodel.CardPaymentData{
+						Pan:      "4111111111111111",
+						ExpMonth: "12",
+						ExpYear:  "2030",
+					}),
+				},
+			},
+		},
+		Amount:         newMoney("1", "USD"),
+		SettlementMode: mode,
+		FeeTreatment:   fee,
+	}
+}
+
 type fakeMethodsClient struct {
 	getPaymentMethodPrivateFn func(context.Context, *methodsv1.GetPaymentMethodPrivateRequest, ...grpc.CallOption) (*methodsv1.GetPaymentMethodPrivateResponse, error)
 }

api/payments/storage/model/payment.go

@@ -30,6 +30,15 @@ const (
 	SettlementModeFixReceived SettlementMode = "fix_received"
 )
 
+// FeeTreatment defines who covers fees in settlement math.
+type FeeTreatment string
+
+const (
+	FeeTreatmentUnspecified           FeeTreatment = "unspecified"
+	FeeTreatmentAddToSource           FeeTreatment = "add_to_source"
+	FeeTreatmentDeductFromDestination FeeTreatment = "deduct_from_destination"
+)
+
 // CommitPolicy controls when a step is committed during orchestration.
 type CommitPolicy string
 
@@ -233,6 +242,7 @@ type PaymentIntent struct {
 	FX                 *FXIntent               `bson:"fx,omitempty" json:"fx,omitempty"`
 	FeePolicy          *paymenttypes.FeePolicy `bson:"feePolicy,omitempty" json:"feePolicy,omitempty"`
 	SettlementMode     SettlementMode          `bson:"settlementMode,omitempty" json:"settlementMode,omitempty"`
+	FeeTreatment       FeeTreatment            `bson:"feeTreatment,omitempty" json:"feeTreatment,omitempty"`
 	SettlementCurrency string                  `bson:"settlementCurrency,omitempty" json:"settlementCurrency,omitempty"`
 	Attributes         map[string]string       `bson:"attributes,omitempty" json:"attributes,omitempty"`
 	Customer           *Customer               `bson:"customer,omitempty" json:"customer,omitempty"`
@@ -413,6 +423,7 @@ func (p *Payment) Normalize() {
 			p.Intent.Attributes[k] = strings.TrimSpace(v)
 		}
 	}
+	p.Intent.FeeTreatment = FeeTreatment(strings.TrimSpace(string(p.Intent.FeeTreatment)))
 	p.Intent.SettlementCurrency = strings.TrimSpace(p.Intent.SettlementCurrency)
 	if p.Intent.Customer != nil {
 		p.Intent.Customer.ID = strings.TrimSpace(p.Intent.Customer.ID)

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

@@ -1,23 +1,20 @@
 package srequest
 
 import (
-	"strings"
-
 	"github.com/tech/sendico/pkg/merrors"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 )
 
 type PaymentIntent struct {
-	Kind               PaymentKind         `json:"kind,omitempty"`
-	Source             *Endpoint           `json:"source,omitempty"`
-	Destination        *Endpoint           `json:"destination,omitempty"`
-	Amount             *paymenttypes.Money `json:"amount,omitempty"`
-	FX                 *FXIntent           `json:"fx,omitempty"`
-	SettlementMode     SettlementMode      `json:"settlement_mode,omitempty"`
-	FeeTreatment       FeeTreatment        `json:"fee_treatment,omitempty"`
-	SettlementCurrency string              `json:"settlement_currency,omitempty"`
-	Attributes         map[string]string   `json:"attributes,omitempty"`
-	Customer           *Customer           `json:"customer,omitempty"`
+	Kind           PaymentKind         `json:"kind,omitempty"`
+	Source         *Endpoint           `json:"source,omitempty"`
+	Destination    *Endpoint           `json:"destination,omitempty"`
+	Amount         *paymenttypes.Money `json:"amount,omitempty"`
+	FX             *FXIntent           `json:"fx,omitempty"`
+	SettlementMode SettlementMode      `json:"settlement_mode,omitempty"`
+	FeeTreatment   FeeTreatment        `json:"fee_treatment,omitempty"`
+	Attributes     map[string]string   `json:"attributes,omitempty"`
+	Customer       *Customer           `json:"customer,omitempty"`
 }
 
 type AssetResolverStub struct{}
@@ -55,9 +52,5 @@ func (p *PaymentIntent) Validate() error {
 		}
 	}
 
-	if strings.TrimSpace(p.SettlementCurrency) != "" {
-		return merrors.InvalidArgument("settlement_currency must not be provided; it is derived from fx intent or amount currency", "intent.settlement_currency")
-	}
-
 	return nil
 }

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

@@ -6,12 +6,11 @@ import (
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 )
 
-func TestPaymentIntentValidate_RejectsSettlementCurrency(t *testing.T) {
+func TestPaymentIntentValidate_AcceptsBaseIntentWithoutFX(t *testing.T) {
 	intent := mustValidBaseIntent(t)
-	intent.SettlementCurrency = "RUB"
 
-	if err := intent.Validate(); err == nil {
-		t.Fatalf("expected validation error for settlement_currency")
+	if err := intent.Validate(); err != nil {
+		t.Fatalf("unexpected validation error: %v", err)
 	}
 }
 

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

@@ -37,9 +37,6 @@ func mapQuoteIntent(intent *srequest.PaymentIntent) (*quotationv2.QuoteIntent, e
 	if err != nil {
 		return nil, err
 	}
-	if strings.TrimSpace(intent.SettlementCurrency) != "" {
-		return nil, merrors.InvalidArgument("settlement_currency must not be provided; it is derived from fx intent or amount currency")
-	}
 	settlementCurrency := resolveSettlementCurrency(intent)
 	if settlementCurrency == "" {
 		return nil, merrors.InvalidArgument("unable to derive settlement currency from intent")

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

@@ -122,7 +122,7 @@ func TestMapQuoteIntent_AcceptsIndependentSettlementAndFeeTreatment(t *testing.T
 	}
 }
 
-func TestMapQuoteIntent_RejectsExplicitSettlementCurrency(t *testing.T) {
+func TestMapQuoteIntent_DerivesSettlementCurrencyFromAmountWithoutFX(t *testing.T) {
 	source, err := srequest.NewManagedWalletEndpointDTO(srequest.ManagedWalletEndpoint{
 		ManagedWalletRef: "wallet-source-1",
 	}, nil)
@@ -142,17 +142,20 @@ func TestMapQuoteIntent_RejectsExplicitSettlementCurrency(t *testing.T) {
 	}
 
 	intent := &srequest.PaymentIntent{
-		Kind:               srequest.PaymentKindPayout,
-		Source:             &source,
-		Destination:        &destination,
-		Amount:             &paymenttypes.Money{Amount: "10", Currency: "USDT"},
-		SettlementMode:     srequest.SettlementModeFixSource,
-		FeeTreatment:       srequest.FeeTreatmentAddToSource,
-		SettlementCurrency: "RUB",
+		Kind:           srequest.PaymentKindPayout,
+		Source:         &source,
+		Destination:    &destination,
+		Amount:         &paymenttypes.Money{Amount: "10", Currency: "USDT"},
+		SettlementMode: srequest.SettlementModeFixSource,
+		FeeTreatment:   srequest.FeeTreatmentAddToSource,
 	}
 
-	if _, err := mapQuoteIntent(intent); err == nil {
-		t.Fatalf("expected error for explicit settlement_currency")
+	got, err := mapQuoteIntent(intent)
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if got.GetSettlementCurrency() != "USDT" {
+		t.Fatalf("unexpected settlement currency: got=%q", got.GetSettlementCurrency())
 	}
 }
 

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

@@ -4,7 +4,6 @@ import 'package:pshared/data/dto/money.dart';
 
 part 'fx_quote.g.dart';
 
-
 @JsonSerializable()
 class FxQuoteDTO {
   final String? quoteRef;
@@ -15,6 +14,7 @@ class FxQuoteDTO {
   final MoneyDTO? baseAmount;
   final MoneyDTO? quoteAmount;
   final int? expiresAtUnixMs;
+  final int? pricedAtUnixMs;
   final String? provider;
   final String? rateRef;
 
@@ -30,11 +30,13 @@ class FxQuoteDTO {
     this.baseAmount,
     this.quoteAmount,
     this.expiresAtUnixMs,
+    this.pricedAtUnixMs,
     this.provider,
     this.rateRef,
     this.firm = false,
   });
 
-  factory FxQuoteDTO.fromJson(Map<String, dynamic> json) => _$FxQuoteDTOFromJson(json);
+  factory FxQuoteDTO.fromJson(Map<String, dynamic> json) =>
+      _$FxQuoteDTOFromJson(json);
   Map<String, dynamic> toJson() => _$FxQuoteDTOToJson(this);
 }

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

@@ -2,35 +2,36 @@ import 'package:pshared/data/dto/payment/fx_quote.dart';
 import 'package:pshared/data/mapper/money.dart';
 import 'package:pshared/models/payment/fx/quote.dart';
 
-
 extension FxQuoteDTOMapper on FxQuoteDTO {
   FxQuote toDomain() => FxQuote(
-        quoteRef: quoteRef,
-        baseCurrency: baseCurrency,
-        quoteCurrency: quoteCurrency,
-        side: side,
-        price: price,
-        baseAmount: baseAmount?.toDomain(),
-        quoteAmount: quoteAmount?.toDomain(),
-        expiresAtUnixMs: expiresAtUnixMs,
-        provider: provider,
-        rateRef: rateRef,
-        firm: firm ?? false,
-      );
+    quoteRef: quoteRef,
+    baseCurrency: baseCurrency,
+    quoteCurrency: quoteCurrency,
+    side: side,
+    price: price,
+    baseAmount: baseAmount?.toDomain(),
+    quoteAmount: quoteAmount?.toDomain(),
+    expiresAtUnixMs: expiresAtUnixMs,
+    pricedAtUnixMs: pricedAtUnixMs,
+    provider: provider,
+    rateRef: rateRef,
+    firm: firm ?? false,
+  );
 }
 
 extension FxQuoteMapper on FxQuote {
   FxQuoteDTO toDTO() => FxQuoteDTO(
-        quoteRef: quoteRef,
-        baseCurrency: baseCurrency,
-        quoteCurrency: quoteCurrency,
-        side: side,
-        price: price,
-        baseAmount: baseAmount?.toDTO(),
-        quoteAmount: quoteAmount?.toDTO(),
-        expiresAtUnixMs: expiresAtUnixMs,
-        provider: provider,
-        rateRef: rateRef,
-        firm: firm,
-      );
+    quoteRef: quoteRef,
+    baseCurrency: baseCurrency,
+    quoteCurrency: quoteCurrency,
+    side: side,
+    price: price,
+    baseAmount: baseAmount?.toDTO(),
+    quoteAmount: quoteAmount?.toDTO(),
+    expiresAtUnixMs: expiresAtUnixMs,
+    pricedAtUnixMs: pricedAtUnixMs,
+    provider: provider,
+    rateRef: rateRef,
+    firm: firm,
+  );
 }

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

@@ -1,5 +1,5 @@
 import 'package:pshared/data/dto/payment/payment.dart';
-import 'package:pshared/data/mapper/payment/payment_quote.dart';
+import 'package:pshared/data/mapper/payment/quote.dart';
 import 'package:pshared/models/payment/payment.dart';
 import 'package:pshared/models/payment/state.dart';
 

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

@@ -1,5 +1,5 @@
 import 'package:pshared/data/dto/payment/payment_quote.dart';
-import 'package:pshared/data/mapper/payment/fee_line.dart';
+import 'package:pshared/data/mapper/payment/fees/line.dart';
 import 'package:pshared/data/mapper/payment/fx_quote.dart';
 import 'package:pshared/data/mapper/money.dart';
 import 'package:pshared/data/mapper/payment/network_fee.dart';

frontend/pshared/lib/data/mapper/payment/quote/quotes.dart

@@ -1,5 +1,5 @@
 import 'package:pshared/data/dto/payment/quotes.dart';
-import 'package:pshared/data/mapper/payment/payment_quote.dart';
+import 'package:pshared/data/mapper/payment/quote.dart';
 import 'package:pshared/data/mapper/payment/quote/aggregate.dart';
 import 'package:pshared/models/payment/quote/quotes.dart';
 

frontend/pshared/lib/models/payment/fx/quote.dart

@@ -1,6 +1,5 @@
 import 'package:pshared/models/money.dart';
 
-
 class FxQuote {
   final String? quoteRef;
   final String? baseCurrency;
@@ -10,6 +9,7 @@ class FxQuote {
   final Money? baseAmount;
   final Money? quoteAmount;
   final int? expiresAtUnixMs;
+  final int? pricedAtUnixMs;
   final String? provider;
   final String? rateRef;
   final bool firm;
@@ -23,6 +23,7 @@ class FxQuote {
     required this.baseAmount,
     required this.quoteAmount,
     required this.expiresAtUnixMs,
+    required this.pricedAtUnixMs,
     required this.provider,
     required this.rateRef,
     this.firm = false,

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

@@ -12,7 +12,6 @@ import 'package:pshared/provider/resource.dart';
 import 'package:pshared/service/payment/multiple.dart';
 import 'package:pshared/utils/exception.dart';
 
-
 class MultiQuotationProvider extends ChangeNotifier {
   static const Duration _autoRefreshLead = Duration(seconds: 5);
 
@@ -87,10 +86,13 @@ class MultiQuotationProvider extends ChangeNotifier {
 
     _setResource(_quotation.copyWith(isLoading: true, error: null));
     try {
+      final effectiveIdempotencyKey = previewOnly
+          ? ''
+          : (idempotencyKey ?? const Uuid().v4());
       final response = await MultiplePaymentsService.getQuotation(
         organization.current.id,
         QuotePaymentsRequest(
-          idempotencyKey: idempotencyKey ?? const Uuid().v4(),
+          idempotencyKey: effectiveIdempotencyKey,
           metadata: metadata,
           intents: intents.map((intent) => intent.toDTO()).toList(),
           previewOnly: previewOnly,

frontend/pshared/lib/service/payment/quotation.dart

@@ -4,7 +4,7 @@ import 'package:pshared/api/requests/payment/quote.dart';
 import 'package:pshared/api/requests/payment/quotes.dart';
 import 'package:pshared/api/responses/payment/quotation.dart';
 import 'package:pshared/api/responses/payment/quotes.dart';
-import 'package:pshared/data/mapper/payment/payment_quote.dart';
+import 'package:pshared/data/mapper/payment/quote.dart';
 import 'package:pshared/data/mapper/payment/quote/quotes.dart';
 import 'package:pshared/models/payment/quote/quote.dart';
 import 'package:pshared/models/payment/quote/quotes.dart';

frontend/pshared/test/payment/request_dto_format_test.dart

@@ -5,6 +5,7 @@ import 'package:test/test.dart';
 import 'package:pshared/api/requests/payment/initiate.dart';
 import 'package:pshared/api/requests/payment/initiate_payments.dart';
 import 'package:pshared/api/requests/payment/quote.dart';
+import 'package:pshared/api/responses/payment/quotation.dart';
 import 'package:pshared/data/dto/money.dart';
 import 'package:pshared/data/dto/payment/endpoint.dart';
 import 'package:pshared/data/dto/payment/intent/payment.dart';
@@ -40,7 +41,7 @@ void main() {
 
     test('quote payment request uses expected backend field names', () {
       final request = QuotePaymentRequest(
-        idempotencyKey: 'idem-1',
+        idempotencyKey: '',
         previewOnly: true,
         intent: const PaymentIntentDTO(
           kind: 'payout',
@@ -60,7 +61,7 @@ void main() {
       final json =
           jsonDecode(jsonEncode(request.toJson())) as Map<String, dynamic>;
 
-      expect(json['idempotencyKey'], equals('idem-1'));
+      expect(json['idempotencyKey'], equals(''));
       expect(json['previewOnly'], isTrue);
       expect(json['intent'], isA<Map<String, dynamic>>());
 
@@ -75,6 +76,34 @@ void main() {
       expect(destination['type'], equals('cardToken'));
     });
 
+    test('quote response parses backend fx quote pricedAtUnixMs', () {
+      final response = PaymentQuoteResponse.fromJson({
+        'accessToken': {'token': 'token', 'expiration': '2026-02-25T00:00:00Z'},
+        'idempotencyKey': 'idem-1',
+        'quote': {
+          'quoteRef': 'q-1',
+          'debitAmount': {'amount': '10', 'currency': 'USDT'},
+          'expectedSettlementAmount': {'amount': '760', 'currency': 'RUB'},
+          'fxQuote': {
+            'quoteRef': 'fx-1',
+            'baseCurrency': 'USDT',
+            'quoteCurrency': 'RUB',
+            'side': 'sell_base_buy_quote',
+            'price': '76',
+            'baseAmount': {'amount': '10', 'currency': 'USDT'},
+            'quoteAmount': {'amount': '760', 'currency': 'RUB'},
+            'expiresAtUnixMs': 1771945907749,
+            'pricedAtUnixMs': 1771945907000,
+            'provider': 'binance',
+            'rateRef': 'rate-1',
+            'firm': false,
+          },
+        },
+      });
+
+      expect(response.quote.fxQuote?.pricedAtUnixMs, equals(1771945907000));
+    });
+
     test('initiate payment by quote keeps expected fields', () {
       final request = InitiatePaymentRequest(
         idempotencyKey: 'idem-2',