estimate_payment

Authentication: quote:read, intent:create
Mutates state: May create quote intents; does not create a payment

{
  "source": {
    "asset": { "type": "fiat", "symbol": "PHP" },
    "amount": "23729.64"
  },
  "destination": {
    "asset": { "type": "fiat", "symbol": "VND" },
    "amount": "10000000",
    "country": "VN"
  },
  "amount_mode": "exact_destination",
  "routing_preference": "lowest_total_cost",
  "route": {
    "intermediate_asset": {
      "type": "crypto",
      "ticker": "USDC",
      "chain": "worldchain"
    }
  }
}

Supports direct on/off-ramp, same-chain swap, fiat-to-fiat, and token-to-fiat routes. Estimates are recipient-free. A two-step estimate requires an explicit intermediate asset selected from live pairs. The result is ephemeral: it has no estimate ID, creates no payment or executable calldata, and may contain expiring quote references. For fiat destinations, recipient_requirements defines the supported instruments and required recipient fields. Collect the final recipient only after the user chooses one of those instruments. Reuse an estimate_ready result while its economic inputs are unchanged and expires_at has not passed. Pass its hops unchanged to create_payment or a plan-bound payment. Re-estimate only after expiry, a material input change, QUOTE_EXPIRED, or PRICE_MISMATCH, and reconfirm changed terms.

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