> ## Documentation Index > Fetch the complete documentation index at: https://docs.gethevn.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > HEVN accounts are non-custodial in both products. Self-serve (the General tab): the person who owns the email holds the only key and signs for themselves. Whitelabel (the Whitelabel and REST API tabs): the integrator's customer creates and owns their account through Sign in with HEVN, a HEVN-hosted popup on the integrator's site; the integrator's backend holds a developer key, operates linked accounts and books their payouts, and the account holder approves every payout in that popup. The developer key signs only for the integrator's own wallet; it never signs a client's money. > Use HEVN's terms exactly. A rail is a bank route a client can request. A virtual account (bnk_) is an opened rail. Account details are what a payer needs in order to wire money, and arrive in a field named requisites. A client is a customer's own account linked to the integrator through Sign in with HEVN (POST /dapi/v1/connect/sessions, then POST /dapi/v1/clients/link); there is no API call that creates one. The business behind it is the integrator's customer. A contact is a saved destination; a beneficiary is the party at the far end of a fiat payout. Every departure of money is a payout, to a bank account or to a wallet alike. > Never name a banking partner. Say 'a licensed banking partner'. > There are no published fee rates, spreads or minimums. Prices come from a quote on a specific payment; direct pricing questions to HEVN rather than inventing numbers. > The whitelabel API is at /dapi/v1 and takes a developer-key session plus an X-Hevn-Account header. Developer keys have an IP allowlist and no scopes. Remote transfers are at /api/v1/remote_spend_limit and take a remote transfer key (rsl_) in X-Api-Key, bounded by an onchain spend permission the account holder grants. They are different credentials and neither works on the other surface. The HEVN CLI is discontinued. # Retrieve the receiving conversion rate > Return the current conversion rate and fixed fee for this receiving payment method. The result is indicative until an incoming transfer is created. ## OpenAPI ````yaml /openapi.json get /banks/{product}/rate openapi: 3.1.0 info: title: HEVN Platform API description: >- HEVN's account, verification and money-movement API. Verification follows a submission workflow: save applicant info and documents, inspect outstanding requirements, then explicitly complete the submission to send an immutable snapshot for review. Completing a submission is separate from editing it. version: 1.0.0 servers: [] security: [] tags: - name: auth description: Authenticate an integration and issue short-lived account sessions. - name: accounts description: Create and manage business or individual customer accounts. - name: verification description: >- Collect business-applicant and related-individual information, inspect requirements, and complete a verification submission for review. - name: documents description: Upload verification and payment evidence for later reference by id. - name: virtual accounts description: Discover payment methods and create persistent receiving account details. - name: transfers description: Quote, create, authorize and track incoming or outgoing transfers. - name: contacts description: Create saved contacts and inspect their available payment channels. - name: transactions description: Read and export the account ledger. - name: escrow description: Create, authorize and reconcile on-chain escrow agreements. - name: sandbox description: Emulate funding and lifecycle events in the sandbox environment. paths: /banks/{product}/rate: get: tags: - virtual accounts summary: Retrieve the receiving conversion rate description: >- Return the current conversion rate and fixed fee for this receiving payment method. The result is indicative until an incoming transfer is created. operationId: read_rail_rate_banks__product__rate_get parameters: - name: product in: path required: true schema: $ref: '#/components/schemas/RailProduct' description: Region product, for example eu or us examples: - eu description: Region product, for example eu or us - name: X-Hevn-Account in: header required: false schema: anyOf: - type: string - type: 'null' description: >- The client account to act for, as a `cl_…` id. Omit it to act as yourself. examples: - cl_9f2c1ab84d7e4f1fa3c65b0e7d9a2c41 title: X-Hevn-Account description: >- The client account to act for, as a `cl_…` id. Omit it to act as yourself. responses: '200': description: Successful Response content: application/json: schema: $ref: '#/components/schemas/RailRateView' '422': description: Request validation failed content: application/json: schema: $ref: '#/components/schemas/PlatformErrorResponse' security: - HTTPBearer: [] components: schemas: RailProduct: type: string enum: - us - swift - eu - uae - uk - br - mx - co - ar - au - ng - ca - dk - 'no' - pl - tr - il - sa - bo - cl - cr - do - gt - hn - jm - eg - sl - tz - ug - waemu - zm - bd - cn - hk - in - id - jp - my - pk - ph - kr - th - vn - card title: RailProduct RailRateView: properties: currency: type: string title: Currency description: ISO 4217 fiat currency code for this conversion. rate: anyOf: - type: string example: '500.00' - type: 'null' title: Rate description: Conversion rate net of markup, when currently available. fixedFee: anyOf: - type: string example: '500.00' - type: 'null' title: Fixedfee description: Fixed fee component, when charged. fixedFeeCurrency: anyOf: - type: string - type: 'null' title: Fixedfeecurrency description: Currency in which the fixed fee is charged. type: object required: - currency title: RailRateView PlatformErrorResponse: properties: error: $ref: '#/components/schemas/PlatformErrorBody' description: Public error body. type: object required: - error title: PlatformErrorResponse PlatformErrorBody: properties: code: $ref: '#/components/schemas/PlatformErrorCode' description: Stable machine-readable error code. message: type: string title: Message description: Human-readable explanation safe to show to an end user. details: anyOf: - additionalProperties: true type: object - type: 'null' title: Details description: Structured context for this error, when available. type: object required: - code - message title: PlatformErrorBody PlatformErrorCode: type: string enum: - invalid_request - validation_failed - invalid_cursor - invalid_id - idempotency_key_invalid - idempotency_key_reused - unauthenticated - token_expired - forbidden - not_found - method_not_allowed - conflict - gone - payload_too_large - rate_limited - provider_unavailable - database_unavailable - internal_error - invalid_credentials - request_expired - challenge_not_found - challenge_consumed - challenge_expired - signature_invalid - key_not_registered - signer_not_attached - wallet_not_linked - approval_consumed - approval_expired - approval_mismatch - signing_policy_refused - login_unavailable - login_mode_unavailable - developer_key_not_found - developer_key_already_exists - account_header_invalid - account_scope_conflict - account_not_found - account_forbidden - account_read_only - account_not_controlled - contact_not_found - quote_not_submitted - quote_not_fundable - funding_mode_unsupported - funding_token_unsupported - insufficient_funds - smart_wallet_not_deployed - wallet_owner_unverified - already_funded - payment_slot_consumed - funding_in_progress - funding_attempt_expired - contact_changed - user_operation_rejected - user_operation_unavailable - transfer_policy_denied - client_creation_not_enabled - client_not_found - link_code_invalid - link_code_expired - client_already_linked - redirect_uri_not_allowed - payout_not_awaiting_signature - verification_not_applicable - profile_locked - contact_not_payable - contact_chain_unsupported - contact_token_unsupported - contact_payment_details_invalid - amount_below_minimum - amount_above_maximum - amount_precision_unsupported - payout_not_found - payout_not_fundable - quote_expired - bundler_rejected - bundler_unavailable - contact_details_invalid - contact_in_use - kyb_incomplete - kyb_documents_processing - kyb_roster_conflict - kyb_subject_conflict - document_not_found - document_type_unsupported - invalid_enum_value - entity_not_found - escrow_not_found - escrow_action_not_found - escrow_not_operated_by_you - escrow_state_changed - action_in_flight - simulation_failed - stale_nonce - amount_out_of_range - amount_not_allowed - window_closed - token_not_supported - receiver_not_a_client - rail_not_found - rail_not_available - payin_not_available - payin_expired - payin_not_found - transaction_not_found - account_unavailable - account_not_supported - swap_not_found - swap_route_unavailable - swap_not_confirmable - intent_not_signable - sandbox_amount_limit_exceeded - sandbox_faucet_balance_too_high title: PlatformErrorCode securitySchemes: HTTPBearer: type: http scheme: bearer ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.