Creates a quote scoped to an account. The endpoint supports two modes depending on whether the account has the payouts feature enabled:

Mode 1: FX Quote (default)
Creates a guaranteed all-in FX quote valid for 60 seconds. Routes source_currency → USDC → target_currency via live rates. Both intermediate and final amounts are locked at creation time.
Request body: source_currency, target_currency, source_amount.

Mode 2: Payout Quote (when payouts feature is active, ask Depa team to activate it for you!)
Creates a payout quote for a counterparty in a supported destination country (Colombia — CO and Mexico — MX).

Request body: counterparty_id, trx_uuid, and either source_amount or destination_amount, plus destination_currency and reason_for_payment.

Prerequisites for payouts:
A counterparty must exist with country: "CO" or country: "MX" and all required fields. See Counterparty Requirements for the full field list per country.