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GET /pub/v2/rate returns the two live rates for a currency. Both are quoted as units of the target currency per 1 USD, so a rate of 1610 for NGN means one dollar of stablecoin is worth ₦1,610.

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Two directions, priced separately

offRampRate

Crypto leaving for fiat — the rate applied when a deposit to a bank account address is paid out.

onRampRate

Fiat coming in for crypto.
The offramp rate is not the inverse of the onramp rate. The spread between them is where the pricing lives, so always read the field matching the direction the money is actually moving rather than deriving one from the other.

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Your fee is already applied

Rates are resolved against the business behind your API key, with that business’s fee already baked into the number returned. The value you get is the value your user should see.
Do not add your own margin on top of these rates unless you deliberately intend to charge twice — the fee configured for your business has already been applied.

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Quoting an amount

To show a user what a deposit will be worth:

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A rate is indicative, not a lock

Calling this endpoint does not reserve anything. The rate that settles a deposit is the one active at the moment the deposit is observed on-chain, which may differ from the one you displayed a minute earlier.
Present quotes as approximate (“you’ll receive about ₦80,500”) and re-fetch the rate rather than caching it for long stretches. The createdAt on each rate tells you how recently it was published.

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Currencies

The currency parameter accepts NGN, GHS, TZS, KES, ZAR and USD. Being listed in the enum is not the same as being live — a currency with no active rate returns 404, so treat that response as “not supported yet” rather than as an error in your request.