Remove external account details quote destination (#308)

Author: shreyav

.claude/skills/grid-api/references/endpoints.md

@@ -87,7 +87,6 @@ Internal accounts are auto-created when customers are created based on platform
 
 - `ACCOUNT`: External or internal account. Fields: `accountId`, `currency`
 - `UMA_ADDRESS`: UMA address. Fields: `umaAddress`, `currency`
-- `EXTERNAL_ACCOUNT_DETAILS`: Inline account creation (creates external account + quote in one step). Fields: `externalAccountDetails` (same shape as external account create request)
 
 ### Quote Request Fields
 

components/grid-visualizer/CLAUDE.md

@@ -214,7 +214,7 @@ Stablecoins: `SOLANA_WALLET` (USDC), `TRON_WALLET` (USDT), `POLYGON_WALLET` (USD
 ```json
 {
   "source": { "sourceType": "ACCOUNT" | "REALTIME_FUNDING", ... },
-  "destination": { "destinationType": "ACCOUNT" | "EXTERNAL_ACCOUNT_DETAILS" | "UMA_ADDRESS", ... },
+  "destination": { "destinationType": "ACCOUNT" | "UMA_ADDRESS", ... },
   "lockedCurrencySide": "SENDING" | "RECEIVING",
   "lockedCurrencyAmount": 10000
 }

mintlify/openapi.yaml

@@ -110,9 +110,26 @@ The transfer will instantly simulate the bank transfer process and complete with
 
 ### Creating Quotes with Test Accounts
 
-When creating quotes with the `externalAccountDetails` destination type, you can provide test account patterns inline:
+When creating quotes with test external accounts, first create an external account with a test account pattern, then reference it in the quote:
 
 ```bash
+# Step 1: Create the external account with a test pattern
+POST /customers/external-accounts
+
+{
+  "customerId": "Customer:123",
+  "currency": "EUR",
+  "accountInfo": {
+    "accountType": "IBAN_ACCOUNT",
+    "iban": "DE89370400440532013003",
+    "beneficiary": {
+      "beneficiaryType": "INDIVIDUAL",
+      "fullName": "Test User"
+    }
+  }
+}
+
+# Step 2: Create the quote using the external account ID
 POST /quotes
 
 {
@@ -121,25 +138,17 @@ POST /quotes
     "accountId": "InternalAccount:abc123"
   },
   "destination": {
-    "destinationType": "EXTERNAL_ACCOUNT_DETAILS",
-    "externalAccountDetails": {
-      "customerId": "Customer:123",
-      "currency": "EUR",
-      "accountInfo": {
-        "accountType": "IBAN_ACCOUNT",
-        "iban": "DE89370400440532013003",  // Ends in 003 = slow payment
-        "beneficiary": {
-          "beneficiaryType": "INDIVIDUAL",
-          "fullName": "Test User"
-        }
-      }
-    }
+    "destinationType": "ACCOUNT",
+    "accountId": "ExternalAccount:...",
+    "currency": "EUR"
   },
   "lockedCurrencySide": "SENDING",
   "lockedCurrencyAmount": 100000
 }
 ```
 
+The IBAN ending in `003` triggers the slow payment test pattern.
+
 ### Executing Quotes in Sandbox
 
 For quotes from an external account source, execute as in production via `/quotes/{quoteId}/execute`. The sandbox will:

mintlify/payouts-and-b2b/platform-tools/sandbox-testing.mdx

@@ -306,38 +306,6 @@ curl -X POST https://api.lightspark.com/grid/2025-10-13/quotes \
 Customer doesn't see rate before execution. If you want to lock a quote and confirm fees and exchange rate details before executing the quote, set `immediatelyExecute` to `false` or omit the field.
 </Warning>
 
-## Creating External Accounts in Quotes
-
-You can create an external account inline when creating a quote:
-
-```json
-{
-  "source": {
-    "sourceType": "ACCOUNT",
-    "accountId": "InternalAccount:abc123"
-  },
-  "destination": {
-    "destinationType": "EXTERNAL_ACCOUNT_DETAILS",
-    "externalAccountDetails": {
-      "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
-      "currency": "EUR",
-      "accountInfo": {
-        "accountType": "IBAN_ACCOUNT",
-        "iban": "DE89370400440532013000",
-        "beneficiary": {
-          "beneficiaryType": "INDIVIDUAL",
-          "fullName": "Alice Smith"
-        }
-      }
-    }
-  },
-  "lockedCurrencySide": "SENDING",
-  "lockedCurrencyAmount": 100000
-}
-```
-
-This is useful for one-time recipients or when you don't want to manage external accounts separately.
-
 ## Fees
 
 All fees are transparently displayed in the quote response:

mintlify/platform-overview/core-concepts/quote-system.mdx

@@ -152,40 +152,6 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
   }'
 ```
 
-## Creating accounts inline with quotes
-
-For one-time conversions, create external accounts inline using `externalAccountDetails`:
-
-```bash
-curl -X POST 'https://api.lightspark.com/grid/2025-10-13/quotes' \
-  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
-  -H 'Content-Type: application/json' \
-  -d '{
-    "source": {
-      "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
-      "currency": "USD"
-    },
-    "destination": {
-      "externalAccountDetails": {
-        "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
-        "currency": "BTC",
-        "accountInfo": {
-          "accountType": "SPARK_WALLET",
-          "address": "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu"
-        }
-      }
-    },
-    "lockedCurrencySide": "SENDING",
-    "lockedCurrencyAmount": 10000
-  }'
-```
-
-<Tip>
-  Use `externalAccountDetails` for one-time destinations. The external account
-  will be automatically created and can be reused for future quotes using its
-  returned ID.
-</Tip>
-
 ## Listing external accounts
 
 ### List customer external accounts

mintlify/ramps/accounts/external-accounts.mdx

@@ -25,7 +25,24 @@ Grid enables seamless conversion between fiat currencies and cryptocurrencies vi
 
 ### Create a quote
 
-<CodeGroup>
+First, create an external account for the crypto destination:
+
+```bash cURL
+curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
+  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
+  -H 'Content-Type: application/json' \
+  -d '{
+    "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
+    "currency": "BTC",
+    "accountInfo": {
+      "accountType": "SPARK_WALLET",
+      "address": "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu"
+    }
+  }'
+```
+
+Then create a quote using the external account ID:
+
 ```bash cURL
 curl -X POST 'https://api.lightspark.com/grid/2025-10-13/quotes' \
   -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
@@ -36,63 +53,15 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/quotes' \
       "currency": "USD"
     },
     "destination": {
-      "externalAccountDetails": {
-        "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
-        "currency": "BTC",
-        "beneficiary": {
-          "counterPartyType": "INDIVIDUAL",
-          "fullName": "John Doe",
-          "email": "john@example.com"
-        },
-        "accountInfo": {
-          "accountType": "SPARK_WALLET",
-          "address": "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu"
-        }
-      }
+      "destinationType": "ACCOUNT",
+      "accountId": "ExternalAccount:b23dcbd6-dced-4ec4-b756-3c3a9ea3d456"
     },
     "lockedCurrencySide": "RECEIVING",
     "lockedCurrencyAmount": 100000,
     "description": "Buy 0.001 BTC"
   }'
 ```
 
-```javascript Node.js
-const quote = await fetch("https://api.lightspark.com/grid/2025-10-13/quotes", {
-  method: "POST",
-  headers: {
-    Authorization: `Basic ${credentials}`,
-    "Content-Type": "application/json",
-  },
-  body: JSON.stringify({
-    source: {
-      customerId: "Customer:019542f5-b3e7-1d02-0000-000000000001",
-      currency: "USD",
-    },
-    destination: {
-      externalAccountDetails: {
-        customerId: "Customer:019542f5-b3e7-1d02-0000-000000000001",
-        currency: "BTC",
-        beneficiary: {
-          counterPartyType: "INDIVIDUAL",
-          fullName: "John Doe",
-          email: "john@example.com",
-        },
-        accountInfo: {
-          accountType: "SPARK_WALLET",
-          address:
-            "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu",
-        },
-      },
-    },
-    lockedCurrencySide: "RECEIVING",
-    lockedCurrencyAmount: 100000, // 0.001 BTC in satoshis
-    description: "Buy 0.001 BTC",
-  }),
-}).then((r) => r.json());
-```
-
-</CodeGroup>
-
 **Response includes payment instructions:**
 
 ```json
@@ -212,30 +181,23 @@ app.post("/webhooks/grid", async (req, res) => {
 
 For instant on-ramps (e.g., reward payouts), use `immediatelyExecute: true` with an internal account source:
 
-```javascript
-const quote = await fetch("https://api.lightspark.com/grid/2025-10-13/quotes", {
-  method: "POST",
-  body: JSON.stringify({
-    source: {
-      sourceType: "ACCOUNT",
-      accountId: "InternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123",
+```bash cURL
+curl -X POST 'https://api.lightspark.com/grid/2025-10-13/quotes' \
+  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
+  -H 'Content-Type: application/json' \
+  -d '{
+    "source": {
+      "sourceType": "ACCOUNT",
+      "accountId": "InternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"
     },
-    destination: {
-      destinationType: "EXTERNAL_ACCOUNT_DETAILS",
-      externalAccountDetails: {
-        customerId: "Customer:...",
-        currency: "BTC",
-        accountInfo: {
-          accountType: "SPARK_WALLET",
-          address: "spark1...",
-        },
-      },
+    "destination": {
+      "destinationType": "ACCOUNT",
+      "accountId": "ExternalAccount:b23dcbd6-dced-4ec4-b756-3c3a9ea3d456"
     },
-    lockedCurrencySide: "RECEIVING",
-    lockedCurrencyAmount: 100000,
-    immediatelyExecute: true,
-  }),
-}).then((r) => r.json());
+    "lockedCurrencySide": "RECEIVING",
+    "lockedCurrencyAmount": 100000,
+    "immediatelyExecute": true
+  }'
 ```
 
 <Info>