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Creating quotes


After reading the guide on sending money in foreign currency, I'm confused how the quote should be created.

Is this following assumption correct?

  1. My sender's bank account is CAD
  2. I want to send a payment of $10 USD
  3. Create a quote with this payload
    fromCurrency: 'CAD',
    toAmount: 10,
    toCurrency: 'USD',
    toCountry: 'US',
    recipientAccountEmail: '[email protected]'
  4. Then when calling send money I use the quote ID in the "exchangeRateQuoteId" field
    payee: {
    email: '[email protected]',
    countryCode: 'US',
    amount: {
    currency: 'USD',
    number: 10
    exchangeRateQuoteId: quote.id

Clarification would be helpful. Thanks!