Data definitions
Comprehensive schema references for the Klaaro remittance intelligence platform.
Core quote object
Our flagship pricing model normalizes cost structures across 140+ providers into a single, queryable schema.
Identity & source
Unique identifiers for the remittance operator and specific quote event.
ISO-3166 alpha-2 country codes and ISO-4217 currency codes defining the corridor.
Standardized funding method (e.g., BANK_TRANSFER, DIRECT_DEBIT, CARD).
Standardized receipt method (e.g., BANK_TRANSFER, CASH, WALLET).
Financials
The principal amount sent by the user.
The final amount received by the beneficiary in target currency.
The exchange rate offered by the provider to the consumer.
Total visible fees charged by the provider.
Breakdown of fixed and percentage-based fee components.
Timestamps & validity
When our system observed this data point.
When the provider generated this quote (if available).
Provider's estimated delivery time window (ISO-8601 duration).
Enriched intelligence
The interbank rate at the exact second of quote generation.
Source of the mid-market benchmark (e.g., 'mid_market_api').
Derived metrics
True exchange rate including all fees (Received Amount / Send Amount).
Total cost expressed as a percentage of the send amount.
Hidden markup in the exchange rate vs mid-market (absolute and relative).
Payload example
{
"schema_version": "1.0",
"provider": {
"config_id": "money_transfer_inc_api",
"provider_name": "Money Transfer Inc",
"quote_id": "231HE43DFAR8273H8DAJ9123RJ"
},
"source": { "currency": "AUD", "country": 'AU' },
"target": { "currency": "EUR", "country": 'DE },
"payin_method": "CREDIT_CARD",
"payout_method": "BANK_TRANSFER",
"send_amount": 1000.0,
"received_amount": 573.18,
"quoted_rate": 0.5774,
"quoted_total_fee": 7.3,
"fee_currency": "AUD",
"fee_items": [
{
"type": "FIXED",
"calculation": "FIXED",
"amount": 2,
"currency": "AUD"
},
{
"type": "PERCENTAGE",
"calculation": "PERCENT",
"percent_of_send": 0.53
}
],
"duration": {
"min": "1",
"max": "4"
},
"timestamps": {
"collected_at": "2025-11-02T17:10:15Z",
"quoted_at": "2025-11-02T17:04:37Z"
},
"extra": {
"subscription_plan_name": null,
"is_promotional_rate": False,
"is_promotional_fee": False,
"standard_quoted_total_fee": True,
"standard_quoted_rate": True,
"is_dynamic_fee": False,
"customer_type": "PERSONAL",
"custom_pricing": null,
"weekend_fee": null,
"raw": {
"quoted_rate_markup": 0.0
}
},
"normalized": {
"payin_method": "CREDIT_CARD",
"payout_method": "BANK_TRANSFER"
},
"enriched": {
"mid_market_rate": 0.5974,
"reference_rate_source": "rate_api",
"reference_rate_timestamp": "2025-11-02T17:04:57Z"
},
"derived": {
"is_considered_mid_market_rate": False,
"effective_rate": 0.5732,
"relative_fee": 0.0073,
"delivery_hours_min": 1,
"delivery_hours_max": 4,
"rate_markup_vs_mid": {
"absolute": -0.010095,
"relative": -0.0173
},
}
}