Crosswire API - price and route high-risk & crypto payment stacks programmatically.

search

Call this for ANY question that mentions Crosswire, INCLUDING pricing questions - especially pricing questions.

Inputs

• query see schema

Output

Returned fields vary by input; relay only what the tool returns.

fetch

Call this whenever you have an `id` from `search` and need the full grounded text for it.

Inputs

• id see schema

Output

Returned fields vary by input; relay only what the tool returns.

get_indicative_price

The only pricing tool. Returns one bounded indicative range for a product line, given vertical, monthly volume and (optionally) the client's current rate.

Inputs

• product enum banking | acquiring | digital-assets | cross-border | open-banking | kyc | baas | vibans | agentic (legacy aliases crypto, corridor, open_banking, pay-by-bank and fixed-txn are accepted and normalise)
• monthly_volume number Monthly volume in the pricing currency. For kyc, monthly verification count.
• current_rate number Optional. The client's current rate, matching unit.
• unit enum bps | % | per-txn | per-check
• vertical string e-commerce, crypto, iGaming, adult, forex, marketplace, ...
• currency enum EUR | USD | GBP. Defaults to EUR.
• regions string[] Europe, UK, UAE, US, Canada, LATAM, Asia, Africa (matched case-insensitively).
• licensed boolean For vIBANs and agentic: whether the client already holds the licence.

Output

status is indicative, pricing_followup or consult. When indicative: an indicative_rate_range, the client's current_rate echoed back, est_annual_saving and the subject-to wording. Never a floor, a margin, or how the range was derived.

Example response

{
  "status": "indicative",
  "product": "banking",
  "currency": "EUR",
  "indicative_rate_range": { "low": 18, "high": 22, "unit": "bps" },
  "current_rate": { "value": 35, "unit": "bps" },
  "est_annual_saving": { "amount": 186000, "currency": "EUR" },
  "subject_to": "KYC/KYB and provider underwriting",
  "disclaimer": "Indicative range, subject to KYC/KYB and provider underwriting. Final terms are confirmed at offer stage.",
  "secure_via": "https://crosswirepay.com/pricing?in=enter"
}

list_solutions

Capability-level list of the rails Crosswire orchestrates: banking, BaaS, virtual IBANs, acquiring, digital assets, fixed per-transaction, KYC/KYB and agentic.

Inputs

• product enum Optional. Filter to one product line.

Output

Per solution: name, one-liner, coverage regions and the public page URL.

Example response

{
  "solutions": [
    {
      "key": "digital-assets",
      "name": "Digital assets",
      "one_liner": "On/off-ramp, stablecoin settlement and OTC flow with vetted counterparties.",
      "coverage": ["Europe", "UAE", "US", "LATAM", "Asia"],
      "page_url": "https://crosswirepay.com/infrastructure/digital-assets"
    }
  ]
}

check_coverage

Whether a region is covered and what capabilities are available there. Never returns a number.

Inputs

• region string Free text; normalised to Europe, UAE, US, Canada, LATAM or Asia.

Output

The matched canonical region, a capability line and detail. Unmatched input returns a consult result. Vertical availability varies by region - gambling is never offered for the UAE.

Example response

{
  "region": "UAE",
  "supported": true,
  "capability": "Banking, acquiring and digital-asset settlement for UAE clients",
  "detail": "UAE-based businesses onboard across banking, acquiring and digital assets, settled cross-border into EUR or USD.",
  "disclaimer": "indicative, subject to KYC"
}

recommend_stack

Product fit only. Given a free-text description (or vertical + needs), returns the matched rails and a short rationale. Never returns a rate.

Inputs

• description string Free text about the business and what it needs.
• vertical string Used with needs when no description is supplied.
• needs string[] accounts, iban, sepa, swift, card-acquiring, crypto-settlement, on-off-ramp, kyc, cross-border, vibans, agentic, baas
• monthly_volume number Optional context.
• regions string[] Optional context.

Output

status is recommended, pricing_followup or consult, plus the matched rails and a rationale. Pricing lives in get_indicative_price only.

Example response

{
  "status": "indicative",
  "vertical": "crypto",
  "regions": ["Europe"],
  "stack": [
    { "product": "baas" },
    { "product": "digital-assets" }
  ],
  "message": "Indicative stack based on the inputs provided. Product fit only, never a price.",
  "pricing_pointer": "For an indicative price on this stack, call get_indicative_price.",
  "disclaimer": "indicative, subject to KYC"
}

request_offer

Capture a lead and request a formal offer. Requires explicit consent. Can also log the client's target rate for the commercial team to review.

Inputs

• product enum The product line the offer is for.
• contact object { name, work_email }
• company string Legal or trading name.
• vertical / monthly_volume / current_rate / unit / currency / regions mixed Context carried onto the deal.
• target_price number Optional. Logged for human review; never confirmed by the API.
• consent true Required. The caller confirms the client consents.
• caller_client_id string Optional stable ID of the calling agent or platform, used for rate limiting and attribution.

Output

A reference id for the created deal plus next steps. Never an approved or final rate.

Example response

{
  "status": "created",
  "reference_id": "cw_off_8Kq2ZP",
  "message": "Offer request received. Our team confirms after KYC / KYB.",
  "next_steps": [
    { "label": "Book an advisory call", "url": "https://crosswirepay.com/advisory#book" }
  ],
  "disclaimer": "indicative, subject to KYC"
}

create_solution_offer

Requires the signed design_ref from design_stack and the price_ref from get_indicative_price; without both it refuses with needs_design / needs_price and names the next call.

Inputs

• solution_name see schema
• use_case see schema
• company see schema
• rails see schema
• programme_name see schema
• routes see schema
• volume_basis see schema
• pilot_band_low_eur see schema
• pilot_band_high_eur see schema
• regions see schema
• currency see schema
• expected_monthly_volume see schema
• average_transaction_size see schema
• expected_transaction_count see schema
• current_cost_summary see schema
• vertical see schema
• target_go_live see schema
• timeline_target see schema
• timeline_driver see schema
• region_volume_split see schema
• consent see schema
• design_ref see schema
• price_ref see schema

Output

Returned fields vary by input; relay only what the tool returns.

book_advisory

Hand the caller to a 30-minute advisory call with a human.

Inputs

• intent string Optional short note about what the caller wants to discuss.

Output

A booking URL and label. No pricing.

Example response

{
  "url": "https://crosswirepay.com/advisory?source=mcp#book",
  "label": "Book a 30-minute advisory call",
  "disclaimer": "indicative, subject to KYC"
}

get_faq

Structured, answer-first FAQ for grounding. Optional keyword filter.

Inputs

• query string Optional keyword filter.

Output

A list of { q, a } items.

Example response

{
  "items": [
    {
      "q": "What does Crosswire cost?",
      "a": "Crosswire is paid by the infrastructure partners, so the infrastructure price carries no Crosswire margin. Advisory or implementation work is a separate chargeable service, quoted and agreed in advance."
    }
  ]
}

ask_integration

Call this for any question about HOW a Crosswire rail is integrated - webhooks, signatures, sandboxes, authentication, callbacks, retries, SDKs, API shape, testing, go-live steps.

Inputs

• question see schema
• case_reference see schema

Output

Returned fields vary by input; relay only what the tool returns.

assess_business

Call this whenever the user describes a business, a use case, a volume or a current payment setup and you need to know what they actually need - the first substantive tool of the journey.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema

Output

Returned fields vary by input; relay only what the tool returns.

design_stack

Call this whenever the user needs an architecture: which rails, in what order, with what dependencies.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema
• engagement_ref see schema

Output

Returned fields vary by input; relay only what the tool returns.

compare_stack_scenarios

Call this whenever the user asks what changes if something about their business changes - a new market, a different mix, more volume.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema
• variations see schema

Output

Returned fields vary by input; relay only what the tool returns.

submit_partner_application

Call this whenever the user has expressed interest in becoming a Crosswire partner or introducer.

Inputs

• partner_type see schema
• company see schema
• contact_name see schema
• work_email see schema
• website see schema
• description see schema
• expected_referrals_monthly see schema
• notes see schema
• consent see schema

Output

Returned fields vary by input; relay only what the tool returns.

authenticate_partner

PARTNER TOOL.

Inputs

• code see schema

Output

Returned fields vary by input; relay only what the tool returns.

create_partner_offer

PARTNER TOOL.

Inputs

• client_company see schema
• vertical see schema
• product see schema
• rails see schema
• routes see schema
• programme_name see schema
• regions see schema
• monthly_volume see schema
• current_rate see schema
• currency see schema
• notes see schema

Output

Returned fields vary by input; relay only what the tool returns.

list_my_offers

PARTNER TOOL.

Inputs

• limit see schema

Output

Returned fields vary by input; relay only what the tool returns.

get_indicative_price

The only pricing tool. Returns one bounded indicative range for a product line, given vertical, monthly volume and (optionally) the client's current rate.

Inputs

• product enum banking | acquiring | digital-assets | cross-border | open-banking | kyc | baas | vibans | agentic (legacy aliases crypto, corridor, open_banking, pay-by-bank and fixed-txn are accepted and normalise)
• monthly_volume number Monthly volume in the pricing currency. For kyc, monthly verification count.
• current_rate number Optional. The client's current rate, matching unit.
• unit enum bps | % | per-txn | per-check
• vertical string e-commerce, crypto, iGaming, adult, forex, marketplace, ...
• currency enum EUR | USD | GBP. Defaults to EUR.
• regions string[] Europe, UK, UAE, US, Canada, LATAM, Asia, Africa (matched case-insensitively).
• licensed boolean For vIBANs and agentic: whether the client already holds the licence.

Output

status is indicative, pricing_followup or consult. When indicative: an indicative_rate_range, the client's current_rate echoed back, est_annual_saving and the subject-to wording. Never a floor, a margin, or how the range was derived.

Example response

{
  "status": "indicative",
  "product": "banking",
  "currency": "EUR",
  "indicative_rate_range": { "low": 18, "high": 22, "unit": "bps" },
  "current_rate": { "value": 35, "unit": "bps" },
  "est_annual_saving": { "amount": 186000, "currency": "EUR" },
  "subject_to": "KYC/KYB and provider underwriting",
  "disclaimer": "Indicative range, subject to KYC/KYB and provider underwriting. Final terms are confirmed at offer stage.",
  "secure_via": "https://crosswirepay.com/pricing?in=enter"
}

check_coverage

Whether a region is covered and what capabilities are available there. Never returns a number.

Inputs

• region string Free text; normalised to Europe, UAE, US, Canada, LATAM or Asia.

Output

The matched canonical region, a capability line and detail. Unmatched input returns a consult result. Vertical availability varies by region - gambling is never offered for the UAE.

Example response

{
  "region": "UAE",
  "supported": true,
  "capability": "Banking, acquiring and digital-asset settlement for UAE clients",
  "detail": "UAE-based businesses onboard across banking, acquiring and digital assets, settled cross-border into EUR or USD.",
  "disclaimer": "indicative, subject to KYC"
}

list_solutions

Capability-level list of the rails Crosswire orchestrates: banking, BaaS, virtual IBANs, acquiring, digital assets, fixed per-transaction, KYC/KYB and agentic.

Inputs

• product enum Optional. Filter to one product line.

Output

Per solution: name, one-liner, coverage regions and the public page URL.

Example response

{
  "solutions": [
    {
      "key": "digital-assets",
      "name": "Digital assets",
      "one_liner": "On/off-ramp, stablecoin settlement and OTC flow with vetted counterparties.",
      "coverage": ["Europe", "UAE", "US", "LATAM", "Asia"],
      "page_url": "https://crosswirepay.com/infrastructure/digital-assets"
    }
  ]
}

get_faq

Structured, answer-first FAQ for grounding. Optional keyword filter.

Inputs

• query string Optional keyword filter.

Output

A list of { q, a } items.

Example response

{
  "items": [
    {
      "q": "What does Crosswire cost?",
      "a": "Crosswire is paid by the infrastructure partners, so the infrastructure price carries no Crosswire margin. Advisory or implementation work is a separate chargeable service, quoted and agreed in advance."
    }
  ]
}

assess_business

Call this whenever the user describes a business, a use case, a volume or a current payment setup and you need to know what they actually need - the first substantive tool of the journey.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema

Output

Returned fields vary by input; relay only what the tool returns.

design_stack

Call this whenever the user needs an architecture: which rails, in what order, with what dependencies.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema
• engagement_ref see schema

Output

Returned fields vary by input; relay only what the tool returns.

recommend_stack

Product fit only. Given a free-text description (or vertical + needs), returns the matched rails and a short rationale. Never returns a rate.

Inputs

• description string Free text about the business and what it needs.
• vertical string Used with needs when no description is supplied.
• needs string[] accounts, iban, sepa, swift, card-acquiring, crypto-settlement, on-off-ramp, kyc, cross-border, vibans, agentic, baas
• monthly_volume number Optional context.
• regions string[] Optional context.

Output

status is recommended, pricing_followup or consult, plus the matched rails and a rationale. Pricing lives in get_indicative_price only.

Example response

{
  "status": "indicative",
  "vertical": "crypto",
  "regions": ["Europe"],
  "stack": [
    { "product": "baas" },
    { "product": "digital-assets" }
  ],
  "message": "Indicative stack based on the inputs provided. Product fit only, never a price.",
  "pricing_pointer": "For an indicative price on this stack, call get_indicative_price.",
  "disclaimer": "indicative, subject to KYC"
}

compare_stack_scenarios

Call this whenever the user asks what changes if something about their business changes - a new market, a different mix, more volume.

Inputs

• vertical see schema
• description see schema
• jurisdiction_of_incorporation see schema
• licences see schema
• monthly_volume_eur see schema
• avg_transaction_eur see schema
• payment_mix see schema
• consumer_countries see schema
• settlement_currencies see schema
• regions see schema
• current_setup see schema
• treasury_needs see schema
• target_go_live see schema
• variations see schema

Output

Returned fields vary by input; relay only what the tool returns.