Agent Top Up Rate

Flow Summary

The current top-up-rate flow is:

Step 1. Load the current rate
GET /api/v1/mobile_user/agent-topup-rate

This route should be treated as a protected route and sent with:

Authorization: Bearer <access_token>

1. Get Agent Top Up Rate

GET /api/v1/mobile_user/agent-topup-rate

Returns the current agent-configured top-up rate and the effective USDT exchange rate used by the mobile app.

Response fields

• topup_rate: the current agent's card_holder_top_up_rate
• usdt_exchange_rate: the latest USDT/USD rate after the backend applies its downward adjustment setting

Important backend behavior

• The user must be authenticated
• The service first loads the current user's agent_id
• If the user row cannot be found, the API returns 404
• If the agent has no setting row, topup_rate falls back to 0
• The service tries to load the latest USDT/USD exchange rate from the database
• If no exchange rate row is available, the base fallback is 1.0
• The service then applies the global exchange-rate adjustment percentage from system settings
• If that adjustment setting cannot be loaded, the service falls back to no adjustment

Success response shape

{
  "status_code": 200,
  "message": "Success",
  "data": {
    "topup_rate": 3.5,
    "usdt_exchange_rate": 0.998
  }
}

Integration Notes

1. Use this endpoint when the app needs to show the current top-up pricing context before the user enters a top-up flow.
2. Treat usdt_exchange_rate as the already-adjusted effective rate, not the raw market rate.