diff --git a/README.md b/README.md
index df25687..e1be30b 100644
--- a/README.md
+++ b/README.md
@@ -34,6 +34,7 @@ Do yourself a favor: go grab some ice cubes by installing this refreshing librar
       - [Transfers](#transfers)
       - [Transfer Batches](#transfer-batches)
       - [Recipients](#recipients)
+      - [Crossborder](#crossborder)
       - [Simulate](#simulate)
       - [Account Verifications](#account-verifications)
     - [Entity onboardings API Examples](#entity-onboardings-api-examples)
@@ -273,6 +274,9 @@ eligibility = client.v2.payment_intents.check_eligibility(
 )
 checkout_session = client.v2.checkout_sessions.create(currency: 'CLP', flow: 'payment', amount: 5000)
 client.v2.checkout_sessions.expire('checkout_session_id')
+# Charge the card submitted to a `ui_mode: 'fields'` session. Call it again while
+# the session is still `in_progress` (202 Accepted) to get the result.
+checkout_session = client.v2.checkout_sessions.confirm('checkout_session_id')
 setup_intent = client.v2.setup_intents.get('setup_intent_id')
 
 # Products, subscriptions and invoices
@@ -571,6 +575,38 @@ recipient = client.v2.recipients.update('recipient_id', alias: 'Lord Snow')
 client.v2.recipients.delete('recipient_id')
 ```
 
+#### Crossborder
+
+Crossborder beneficiaries, quotes and transfers are under the `v2.crossborder` namespace.
+Create a quote to lock the exchange rate, and accept it with a transfer to a beneficiary:
+
+```ruby
+require 'fintoc'
+
+client = Fintoc::Client.new('api_key')
+
+beneficiary = client.v2.crossborder.beneficiaries.create(
+  holder_type: 'business',
+  business_name: 'Acme LLC',
+  account_identifier: '123456789',
+  routing_number: '021000021',
+  bank_name: 'JPMorgan Chase Bank, N.A.',
+  address: { street_line1: '100 Main St', city: 'New York', state: 'NY', postal_code: '10001' }
+)
+beneficiaries = client.v2.crossborder.beneficiaries.list(limit: 10)
+client.v2.crossborder.beneficiaries.delete(beneficiary.id) # archives the beneficiary
+
+quote = client.v2.crossborder.quotes.create(direction: 'mx_to_usd', source_amount: 200001)
+quote = client.v2.crossborder.quotes.get(quote.id)
+
+transfer = client.v2.crossborder.transfers.create(
+  quote_id: quote.id, beneficiary_id: beneficiary.id, reference: 'Factura 123'
+)
+transfer.funding_instructions[:clabe]
+transfers = client.v2.crossborder.transfers.list(status: %w[pending_funds failed], direction: 'mx_to_usd')
+transfer = client.v2.crossborder.transfers.get('crossborder_transfer_id')
+```
+
 #### Simulate
 
 ```ruby
diff --git a/lib/fintoc/errors.rb b/lib/fintoc/errors.rb
index 13f6b9d..95f9466 100644
--- a/lib/fintoc/errors.rb
+++ b/lib/fintoc/errors.rb
@@ -88,6 +88,8 @@ class InvalidRefundToGetVoucherError < FintocError; end
     class InvalidRutError < FintocError; end
     class InvalidShareholderStructureError < FintocError; end
     class InvalidWebhookEventTypeError < FintocError; end
+    class QuoteExpiredError < FintocError; end
+    class SettlementNotConfiguredError < FintocError; end
     class MinimumAmountError < FintocError; end
     class MutuallyExclusiveParamsError < FintocError; end
     class NotSupportedRefundableResourceTypeError < FintocError; end
@@ -115,6 +117,7 @@ class InvalidJwsTsError < FintocError; end
 
     # 402 Payment Required Errors
     class PaymentRequiredError < FintocError; end
+    class CardDeclinedError < FintocError; end
 
     # 403 Forbidden Errors
     class InvalidAccountError < FintocError; end
@@ -176,9 +179,17 @@ class PaymentMethodNonCancelableError < FintocError; end
     class PaymentNonCancelableError < FintocError; end
     class PaymentNonExpirableError < FintocError; end
     class SubscriptionNotEditableError < FintocError; end
+    class BeneficiaryAlreadyExistsError < FintocError; end
+    class CardConfirmationExpiredError < FintocError; end
+    class ChargeInProgressError < FintocError; end
+    class CheckoutSessionNotInProgressError < FintocError; end
+    class NoCardSubmittedError < FintocError; end
+    class QuoteAlreadyAcceptedError < FintocError; end
 
     # 422 Unprocessable Entity Errors
     class AccountBlockedForDirectDebitError < FintocError; end
+    class AccountCertificateUnavailableError < FintocError; end
+    class ProviderRejectedError < FintocError; end
     class FounderEmailChangeLimitReachedError < FintocError; end
     class InvalidHolderNameError < FintocError; end
     class InvalidOtpCodeError < FintocError; end
@@ -245,6 +256,10 @@ class CoreResponseError < FintocError; end
     # 501 Not Implemented Errors
     class OperationNotImplementedError < FintocError; end
 
+    # 503 Service Unavailable Errors
+    class ProviderOutcomeUnknownError < FintocError; end
+    class ProviderUnavailableError < FintocError; end
+
     # Webhook Errors
     class WebhookSignatureError < FintocError; end
 
diff --git a/lib/fintoc/v2/client/client.rb b/lib/fintoc/v2/client/client.rb
index 9d050e6..ab920fe 100644
--- a/lib/fintoc/v2/client/client.rb
+++ b/lib/fintoc/v2/client/client.rb
@@ -16,6 +16,7 @@
 require 'fintoc/v2/managers/events_manager'
 require 'fintoc/v2/managers/invoices_manager'
 require 'fintoc/v2/managers/subscriptions_manager'
+require 'fintoc/v2/managers/crossborder_manager'
 
 module Fintoc
   module V2
@@ -87,6 +88,10 @@ def invoices
       def subscriptions
         @subscriptions ||= Managers::SubscriptionsManager.new(self)
       end
+
+      def crossborder
+        @crossborder ||= Managers::CrossborderManager.new(self)
+      end
     end
   end
 end
diff --git a/lib/fintoc/v2/managers/checkout_sessions_manager.rb b/lib/fintoc/v2/managers/checkout_sessions_manager.rb
index 7e18477..523dd85 100644
--- a/lib/fintoc/v2/managers/checkout_sessions_manager.rb
+++ b/lib/fintoc/v2/managers/checkout_sessions_manager.rb
@@ -31,6 +31,12 @@ def expire(checkout_session_id, idempotency_key: nil)
           build_checkout_session(data)
         end
 
+        def confirm(checkout_session_id, idempotency_key: nil)
+          data = @client.post(version: :v2, idempotency_key:)
+                        .call("checkout_sessions/#{checkout_session_id}/confirm")
+          build_checkout_session(data)
+        end
+
         private
 
         def build_checkout_session(data)
diff --git a/lib/fintoc/v2/managers/crossborder_beneficiaries_manager.rb b/lib/fintoc/v2/managers/crossborder_beneficiaries_manager.rb
new file mode 100644
index 0000000..70fa105
--- /dev/null
+++ b/lib/fintoc/v2/managers/crossborder_beneficiaries_manager.rb
@@ -0,0 +1,46 @@
+require 'fintoc/v2/resources/crossborder_beneficiary'
+
+module Fintoc
+  module V2
+    module Managers
+      class CrossborderBeneficiariesManager
+        def initialize(client)
+          @client = client
+        end
+
+        def create(
+          holder_type:, account_identifier:, routing_number:, bank_name:, address:,
+          idempotency_key: nil, **params
+        )
+          data = @client.post(version: :v2, idempotency_key:).call(
+            'crossborder/beneficiaries',
+            holder_type:, account_identifier:, routing_number:, bank_name:, address:, **params
+          )
+          build_beneficiary(data)
+        end
+
+        def list(**params)
+          @client.get(version: :v2).call('crossborder/beneficiaries', **params).map do |data|
+            build_beneficiary(data)
+          end
+        end
+
+        def get(beneficiary_id)
+          data = @client.get(version: :v2).call("crossborder/beneficiaries/#{beneficiary_id}")
+          build_beneficiary(data)
+        end
+
+        def delete(beneficiary_id)
+          data = @client.delete(version: :v2).call("crossborder/beneficiaries/#{beneficiary_id}")
+          build_beneficiary(data)
+        end
+
+        private
+
+        def build_beneficiary(data)
+          Fintoc::V2::CrossborderBeneficiary.new(**data)
+        end
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/managers/crossborder_manager.rb b/lib/fintoc/v2/managers/crossborder_manager.rb
new file mode 100644
index 0000000..b2d8aac
--- /dev/null
+++ b/lib/fintoc/v2/managers/crossborder_manager.rb
@@ -0,0 +1,27 @@
+require 'fintoc/v2/managers/crossborder_beneficiaries_manager'
+require 'fintoc/v2/managers/crossborder_quotes_manager'
+require 'fintoc/v2/managers/crossborder_transfers_manager'
+
+module Fintoc
+  module V2
+    module Managers
+      class CrossborderManager
+        def initialize(client)
+          @client = client
+        end
+
+        def beneficiaries
+          @beneficiaries ||= CrossborderBeneficiariesManager.new(@client)
+        end
+
+        def quotes
+          @quotes ||= CrossborderQuotesManager.new(@client)
+        end
+
+        def transfers
+          @transfers ||= CrossborderTransfersManager.new(@client)
+        end
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/managers/crossborder_quotes_manager.rb b/lib/fintoc/v2/managers/crossborder_quotes_manager.rb
new file mode 100644
index 0000000..bcffbe8
--- /dev/null
+++ b/lib/fintoc/v2/managers/crossborder_quotes_manager.rb
@@ -0,0 +1,30 @@
+require 'fintoc/v2/resources/crossborder_quote'
+
+module Fintoc
+  module V2
+    module Managers
+      class CrossborderQuotesManager
+        def initialize(client)
+          @client = client
+        end
+
+        def create(direction:, source_amount:, idempotency_key: nil)
+          data = @client.post(version: :v2, idempotency_key:)
+                        .call('crossborder/quotes', direction:, source_amount:)
+          build_quote(data)
+        end
+
+        def get(quote_id)
+          data = @client.get(version: :v2).call("crossborder/quotes/#{quote_id}")
+          build_quote(data)
+        end
+
+        private
+
+        def build_quote(data)
+          Fintoc::V2::CrossborderQuote.new(**data)
+        end
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/managers/crossborder_transfers_manager.rb b/lib/fintoc/v2/managers/crossborder_transfers_manager.rb
new file mode 100644
index 0000000..1f4a25c
--- /dev/null
+++ b/lib/fintoc/v2/managers/crossborder_transfers_manager.rb
@@ -0,0 +1,38 @@
+require 'fintoc/v2/resources/crossborder_transfer'
+
+module Fintoc
+  module V2
+    module Managers
+      class CrossborderTransfersManager
+        def initialize(client)
+          @client = client
+        end
+
+        def create(quote_id:, idempotency_key: nil, **params)
+          data = @client.post(version: :v2, idempotency_key:)
+                        .call('crossborder/transfers', quote_id:, **params)
+          build_transfer(data)
+        end
+
+        # The API expects the status filter as `status[]`; `status:` accepts a string or an array.
+        def list(status: nil, **params)
+          params[:'status[]'] = Array(status) unless status.nil?
+          @client.get(version: :v2).call('crossborder/transfers', **params).map do |data|
+            build_transfer(data)
+          end
+        end
+
+        def get(transfer_id)
+          data = @client.get(version: :v2).call("crossborder/transfers/#{transfer_id}")
+          build_transfer(data)
+        end
+
+        private
+
+        def build_transfer(data)
+          Fintoc::V2::CrossborderTransfer.new(**data)
+        end
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/resources/crossborder_beneficiary.rb b/lib/fintoc/v2/resources/crossborder_beneficiary.rb
new file mode 100644
index 0000000..c04e53b
--- /dev/null
+++ b/lib/fintoc/v2/resources/crossborder_beneficiary.rb
@@ -0,0 +1,48 @@
+module Fintoc
+  module V2
+    class CrossborderBeneficiary
+      attr_reader :id, :object, :mode, :holder_type, :business_name, :first_name, :last_name,
+                  :bank_name, :routing_number, :account_last4, :address, :archived_at,
+                  :created_at
+
+      def initialize(
+        id:,
+        object:,
+        mode: nil,
+        holder_type: nil,
+        business_name: nil,
+        first_name: nil,
+        last_name: nil,
+        bank_name: nil,
+        routing_number: nil,
+        account_last4: nil,
+        address: nil,
+        archived_at: nil,
+        created_at: nil,
+        **
+      )
+        @id = id
+        @object = object
+        @mode = mode
+        @holder_type = holder_type
+        @business_name = business_name
+        @first_name = first_name
+        @last_name = last_name
+        @bank_name = bank_name
+        @routing_number = routing_number
+        @account_last4 = account_last4
+        @address = address
+        @archived_at = archived_at
+        @created_at = created_at
+      end
+
+      def archived?
+        !@archived_at.nil?
+      end
+
+      def to_s
+        "Crossborder beneficiary (#{@id}) - #{@bank_name} ****#{@account_last4}"
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/resources/crossborder_quote.rb b/lib/fintoc/v2/resources/crossborder_quote.rb
new file mode 100644
index 0000000..c02ee04
--- /dev/null
+++ b/lib/fintoc/v2/resources/crossborder_quote.rb
@@ -0,0 +1,46 @@
+module Fintoc
+  module V2
+    class CrossborderQuote
+      attr_reader :id, :object, :mode, :status, :direction, :source_amount, :source_currency,
+                  :target_amount, :target_currency, :exchange_rate, :fees, :transfer_id,
+                  :expires_at, :created_at
+
+      def initialize(
+        id:,
+        object:,
+        mode: nil,
+        status: nil,
+        direction: nil,
+        source_amount: nil,
+        source_currency: nil,
+        target_amount: nil,
+        target_currency: nil,
+        exchange_rate: nil,
+        fees: nil,
+        transfer_id: nil,
+        expires_at: nil,
+        created_at: nil,
+        **
+      )
+        @id = id
+        @object = object
+        @mode = mode
+        @status = status
+        @direction = direction
+        @source_amount = source_amount
+        @source_currency = source_currency
+        @target_amount = target_amount
+        @target_currency = target_currency
+        @exchange_rate = exchange_rate
+        @fees = fees
+        @transfer_id = transfer_id
+        @expires_at = expires_at
+        @created_at = created_at
+      end
+
+      def to_s
+        "Crossborder quote (#{@id}) - #{@direction} #{@status}"
+      end
+    end
+  end
+end
diff --git a/lib/fintoc/v2/resources/crossborder_transfer.rb b/lib/fintoc/v2/resources/crossborder_transfer.rb
new file mode 100644
index 0000000..8c5fb30
--- /dev/null
+++ b/lib/fintoc/v2/resources/crossborder_transfer.rb
@@ -0,0 +1,63 @@
+require 'fintoc/v2/resources/crossborder_beneficiary'
+
+module Fintoc
+  module V2
+    class CrossborderTransfer
+      attr_reader :id, :object, :mode, :status, :direction, :quote_id, :source_amount,
+                  :source_currency, :target_amount, :target_currency, :exchange_rate, :fees,
+                  :beneficiary, :reference, :funding_instructions, :credit, :funds_received_at,
+                  :succeeded_at, :canceled_at, :failed_at, :created_at
+
+      def initialize( # rubocop:disable Metrics/MethodLength
+        id:,
+        object:,
+        mode: nil,
+        status: nil,
+        direction: nil,
+        quote_id: nil,
+        source_amount: nil,
+        source_currency: nil,
+        target_amount: nil,
+        target_currency: nil,
+        exchange_rate: nil,
+        fees: nil,
+        beneficiary: nil,
+        reference: nil,
+        funding_instructions: nil,
+        credit: nil,
+        funds_received_at: nil,
+        succeeded_at: nil,
+        canceled_at: nil,
+        failed_at: nil,
+        created_at: nil,
+        **
+      )
+        @id = id
+        @object = object
+        @mode = mode
+        @status = status
+        @direction = direction
+        @quote_id = quote_id
+        @source_amount = source_amount
+        @source_currency = source_currency
+        @target_amount = target_amount
+        @target_currency = target_currency
+        @exchange_rate = exchange_rate
+        @fees = fees
+        @beneficiary = beneficiary && CrossborderBeneficiary.new(**beneficiary)
+        @reference = reference
+        @funding_instructions = funding_instructions
+        @credit = credit
+        @funds_received_at = funds_received_at
+        @succeeded_at = succeeded_at
+        @canceled_at = canceled_at
+        @failed_at = failed_at
+        @created_at = created_at
+      end
+
+      def to_s
+        "Crossborder transfer (#{@id}) - #{@direction} #{@status}"
+      end
+    end
+  end
+end
diff --git a/spec/fixtures/v2/crossborder_beneficiary.json b/spec/fixtures/v2/crossborder_beneficiary.json
new file mode 100644
index 0000000..b21546c
--- /dev/null
+++ b/spec/fixtures/v2/crossborder_beneficiary.json
@@ -0,0 +1,22 @@
+{
+  "id": "xbb_2u6XjsX2BD3F8MzKQJf4Tr7Pcxw",
+  "object": "crossborder_beneficiary",
+  "mode": "live",
+  "holder_type": "business",
+  "business_name": "Acme LLC",
+  "first_name": null,
+  "last_name": null,
+  "bank_name": "JPMorgan Chase Bank, N.A.",
+  "routing_number": "021000021",
+  "account_last4": "6789",
+  "address": {
+    "street_line1": "100 Main St",
+    "street_line2": null,
+    "city": "New York",
+    "state": "NY",
+    "postal_code": "10001",
+    "country": "US"
+  },
+  "archived_at": null,
+  "created_at": "2026-11-06T14:00:00Z"
+}
diff --git a/spec/fixtures/v2/crossborder_quote.json b/spec/fixtures/v2/crossborder_quote.json
new file mode 100644
index 0000000..a1846a8
--- /dev/null
+++ b/spec/fixtures/v2/crossborder_quote.json
@@ -0,0 +1,22 @@
+{
+  "id": "xbq_2u6XjsX2BD3F8MzKQJf4Tr7Pcxw",
+  "object": "crossborder_quote",
+  "created_at": "2026-11-06T15:00:00Z",
+  "direction": "mx_to_usd",
+  "exchange_rate": "18.4958",
+  "expires_at": "2026-11-06T15:00:10Z",
+  "fees": [
+    {
+      "name": "fixed_fee",
+      "amount": 27069,
+      "currency": "MXN"
+    }
+  ],
+  "mode": "live",
+  "source_amount": 200001,
+  "source_currency": "MXN",
+  "status": "open",
+  "target_amount": 9313,
+  "target_currency": "USD",
+  "transfer_id": null
+}
diff --git a/spec/fixtures/v2/crossborder_transfer.json b/spec/fixtures/v2/crossborder_transfer.json
new file mode 100644
index 0000000..33b24c5
--- /dev/null
+++ b/spec/fixtures/v2/crossborder_transfer.json
@@ -0,0 +1,56 @@
+{
+  "id": "xbt_2u6XjsX2BD3F8MzKQJf4Tr7Pcxw",
+  "object": "crossborder_transfer",
+  "mode": "live",
+  "status": "pending_funds",
+  "direction": "mx_to_usd",
+  "quote_id": "xbq_2u6XjsX2BD3F8MzKQJf4Tr7Pcxw",
+  "source_amount": 1000000,
+  "source_currency": "MXN",
+  "target_amount": 52345,
+  "target_currency": "USD",
+  "exchange_rate": "19.1034",
+  "fees": [
+    {
+      "name": "fixed_fee",
+      "amount": 27069,
+      "currency": "MXN"
+    }
+  ],
+  "beneficiary": {
+    "id": "xbb_2u6XjsX2BD3F8MzKQJf4Tr7Pcxw",
+    "object": "crossborder_beneficiary",
+    "mode": "live",
+    "holder_type": "business",
+    "business_name": "Acme LLC",
+    "first_name": null,
+    "last_name": null,
+    "bank_name": "JPMorgan Chase Bank, N.A.",
+    "routing_number": "021000021",
+    "account_last4": "6789",
+    "address": {
+      "street_line1": "100 Main St",
+      "street_line2": null,
+      "city": "New York",
+      "state": "NY",
+      "postal_code": "10001",
+      "country": "US"
+    },
+    "archived_at": null,
+    "created_at": "2026-11-06T14:00:00Z"
+  },
+  "reference": "Factura 123",
+  "funding_instructions": {
+    "type": "spei",
+    "clabe": "000000000000000000",
+    "concept": "FINTOC12345",
+    "amount": 1000000,
+    "currency": "MXN"
+  },
+  "credit": null,
+  "funds_received_at": null,
+  "succeeded_at": null,
+  "canceled_at": null,
+  "failed_at": null,
+  "created_at": "2026-11-06T15:00:04Z"
+}
diff --git a/spec/lib/fintoc/base_client_spec.rb b/spec/lib/fintoc/base_client_spec.rb
index 0aa74ac..20f57c3 100644
--- a/spec/lib/fintoc/base_client_spec.rb
+++ b/spec/lib/fintoc/base_client_spec.rb
@@ -431,7 +431,20 @@ def expect_error(klass, status:, code:)
       'organization_already_exists' => 'OrganizationAlreadyExistsError',
       'invalid_products' => 'InvalidProductsError',
       'invalid_tax_id' => 'InvalidTaxIdError',
-      'limit_exceeded' => 'LimitExceededError'
+      'limit_exceeded' => 'LimitExceededError',
+      'account_certificate_unavailable' => 'AccountCertificateUnavailableError',
+      'beneficiary_already_exists' => 'BeneficiaryAlreadyExistsError',
+      'quote_expired' => 'QuoteExpiredError',
+      'quote_already_accepted' => 'QuoteAlreadyAcceptedError',
+      'settlement_not_configured' => 'SettlementNotConfiguredError',
+      'provider_rejected' => 'ProviderRejectedError',
+      'provider_unavailable' => 'ProviderUnavailableError',
+      'provider_outcome_unknown' => 'ProviderOutcomeUnknownError',
+      'card_declined' => 'CardDeclinedError',
+      'card_confirmation_expired' => 'CardConfirmationExpiredError',
+      'charge_in_progress' => 'ChargeInProgressError',
+      'checkout_session_not_in_progress' => 'CheckoutSessionNotInProgressError',
+      'no_card_submitted' => 'NoCardSubmittedError'
     }.each do |code, klass|
       it "resolves the #{code} error" do
         expect(client.send(:error_class, code)).to eq(Fintoc::Errors.const_get(klass))
diff --git a/spec/lib/fintoc/v2/managers/checkout_sessions_manager_spec.rb b/spec/lib/fintoc/v2/managers/checkout_sessions_manager_spec.rb
index 2a51735..bae3760 100644
--- a/spec/lib/fintoc/v2/managers/checkout_sessions_manager_spec.rb
+++ b/spec/lib/fintoc/v2/managers/checkout_sessions_manager_spec.rb
@@ -72,4 +72,31 @@
         .to be_a(Fintoc::V2::CheckoutSession).and have_attributes(payload)
     end
   end
+
+  describe '#confirm' do
+    before do
+      stub_request(:post, "#{resource_url}/confirm")
+        .with(body: {}, headers: { 'Idempotency-Key' => 'confirm-key' })
+        .to_return(status: 202, body: payload.to_json, headers: headers)
+    end
+
+    it 'returns the checkout session while the charge is pending' do
+      expect(manager.confirm(payload[:id], idempotency_key: 'confirm-key'))
+        .to be_a(Fintoc::V2::CheckoutSession).and have_attributes(payload)
+    end
+
+    context 'when the card is declined' do
+      before do
+        stub_request(:post, "#{resource_url}/confirm").to_return(
+          status: 402, headers: headers,
+          body: { error: { code: 'card_declined', message: 'Declined' } }.to_json
+        )
+      end
+
+      it 'raises CardDeclinedError' do
+        expect { manager.confirm(payload[:id]) }
+          .to raise_error(Fintoc::Errors::CardDeclinedError)
+      end
+    end
+  end
 end
diff --git a/spec/lib/fintoc/v2/managers/crossborder_manager_spec.rb b/spec/lib/fintoc/v2/managers/crossborder_manager_spec.rb
new file mode 100644
index 0000000..3c3cfa0
--- /dev/null
+++ b/spec/lib/fintoc/v2/managers/crossborder_manager_spec.rb
@@ -0,0 +1,200 @@
+require 'json'
+require 'webmock/rspec'
+require 'fintoc/v2/client/client'
+
+RSpec.describe Fintoc::V2::Managers::CrossborderManager do
+  let(:client) { Fintoc::V2::Client.new('sk_test_crossborder') }
+  let(:base_url) { 'https://api.fintoc.com/v2/crossborder' }
+  let(:headers) { { 'Content-Type' => 'application/json' } }
+
+  def fixture(name)
+    JSON.parse(File.read("spec/fixtures/v2/#{name}.json"), symbolize_names: true)
+  end
+
+  it 'is memoized on the v2 client' do
+    expect(client.crossborder).to equal(client.crossborder)
+  end
+
+  describe 'resources #to_s' do
+    {
+      'beneficiary' => 'JPMorgan Chase Bank, N.A. ****6789',
+      'quote' => 'mx_to_usd open',
+      'transfer' => 'mx_to_usd pending_funds'
+    }.each do |name, summary|
+      it "describes the crossborder #{name}" do
+        payload = fixture("crossborder_#{name}")
+        resource = Fintoc::V2.const_get("Crossborder#{name.capitalize}").new(**payload)
+        expect(resource.to_s).to eq("Crossborder #{name} (#{payload[:id]}) - #{summary}")
+      end
+    end
+  end
+
+  describe '#beneficiaries' do
+    let(:manager) { client.crossborder.beneficiaries }
+    let(:payload) { fixture('crossborder_beneficiary') }
+    let(:collection_url) { "#{base_url}/beneficiaries" }
+    let(:resource_url) { "#{collection_url}/#{payload[:id]}" }
+
+    describe '#create' do
+      let(:params) do
+        { holder_type: 'business', account_identifier: '123456789',
+          routing_number: payload[:routing_number], bank_name: payload[:bank_name],
+          address: payload[:address].compact, business_name: payload[:business_name] }
+      end
+
+      before do
+        stub_request(:post, collection_url)
+          .with(body: params.to_json, headers: { 'Idempotency-Key' => 'beneficiary-create' })
+          .to_return(status: 201, body: payload.to_json, headers: headers)
+      end
+
+      it 'creates the beneficiary' do
+        expect(manager.create(**params, idempotency_key: 'beneficiary-create'))
+          .to be_a(Fintoc::V2::CrossborderBeneficiary).and have_attributes(payload)
+      end
+    end
+
+    describe '#list' do
+      let(:filters) { { starting_after: 'xbb_previous', ending_before: 'xbb_next', limit: 1 } }
+
+      before do
+        stub_request(:get, collection_url).with(query: filters)
+                                          .to_return(body: [payload].to_json, headers: headers)
+      end
+
+      it 'passes pagination parameters' do
+        expect(manager.list(**filters)).to contain_exactly(
+          a_kind_of(Fintoc::V2::CrossborderBeneficiary).and(have_attributes(payload))
+        )
+      end
+    end
+
+    describe '#get' do
+      before do
+        stub_request(:get, resource_url).to_return(body: payload.to_json, headers: headers)
+      end
+
+      it 'returns the beneficiary' do
+        expect(manager.get(payload[:id]))
+          .to be_a(Fintoc::V2::CrossborderBeneficiary).and have_attributes(archived?: false)
+      end
+    end
+
+    describe '#delete' do
+      let(:archived) { payload.merge(archived_at: '2026-11-09T12:00:00Z') }
+
+      before do
+        stub_request(:delete, resource_url).to_return(body: archived.to_json, headers: headers)
+      end
+
+      it 'returns the archived beneficiary' do
+        expect(manager.delete(payload[:id]))
+          .to have_attributes(**archived, archived?: true)
+      end
+    end
+  end
+
+  describe '#quotes' do
+    let(:manager) { client.crossborder.quotes }
+    let(:payload) { fixture('crossborder_quote') }
+
+    describe '#create' do
+      let(:params) { { direction: 'mx_to_usd', source_amount: 200001 } }
+
+      before do
+        stub_request(:post, "#{base_url}/quotes")
+          .with(body: params.to_json, headers: { 'Idempotency-Key' => 'quote-create' })
+          .to_return(status: 201, body: payload.to_json, headers: headers)
+      end
+
+      it 'creates the quote' do
+        expect(manager.create(**params, idempotency_key: 'quote-create'))
+          .to be_a(Fintoc::V2::CrossborderQuote).and have_attributes(payload)
+      end
+    end
+
+    describe '#get' do
+      before do
+        stub_request(:get, "#{base_url}/quotes/#{payload[:id]}")
+          .to_return(body: payload.to_json, headers: headers)
+      end
+
+      it 'returns the quote' do
+        expect(manager.get(payload[:id]))
+          .to be_a(Fintoc::V2::CrossborderQuote).and have_attributes(payload)
+      end
+    end
+
+    describe 'errors' do
+      before do
+        stub_request(:post, "#{base_url}/quotes").to_return(
+          status: 503, headers: headers,
+          body: { error: { type: 'api_error', code: 'provider_unavailable',
+                           message: 'Provider unavailable' } }.to_json
+        )
+      end
+
+      it 'raises the provider unavailable error' do
+        expect { manager.create(direction: 'mx_to_usd', source_amount: 200001) }
+          .to raise_error(Fintoc::Errors::ProviderUnavailableError) { |error|
+            expect(error).to have_attributes(status: 503, code: 'provider_unavailable')
+          }
+      end
+    end
+  end
+
+  describe '#transfers' do
+    let(:manager) { client.crossborder.transfers }
+    let(:payload) { fixture('crossborder_transfer') }
+    let(:collection_url) { "#{base_url}/transfers" }
+    let(:expected_attributes) { payload.except(:beneficiary) }
+
+    describe '#create' do
+      let(:params) do
+        { quote_id: payload[:quote_id], beneficiary_id: payload[:beneficiary][:id],
+          reference: payload[:reference] }
+      end
+
+      before do
+        stub_request(:post, collection_url)
+          .with(body: params.to_json, headers: { 'Idempotency-Key' => 'transfer-create' })
+          .to_return(status: 201, body: payload.to_json, headers: headers)
+      end
+
+      it 'creates the transfer and builds its beneficiary' do
+        expect(manager.create(**params, idempotency_key: 'transfer-create'))
+          .to be_a(Fintoc::V2::CrossborderTransfer)
+          .and have_attributes(
+            **expected_attributes,
+            beneficiary: a_kind_of(Fintoc::V2::CrossborderBeneficiary)
+              .and(have_attributes(payload[:beneficiary]))
+          )
+      end
+    end
+
+    describe '#list' do
+      before do
+        stub_request(:get, "#{collection_url}?direction=mx_to_usd&limit=10" \
+                           '&status%5B%5D=pending_funds&status%5B%5D=failed')
+          .to_return(body: [payload.merge(beneficiary: nil)].to_json, headers: headers)
+      end
+
+      it 'sends the status filter as status[]' do
+        expect(manager.list(status: %w[pending_funds failed], direction: 'mx_to_usd', limit: 10))
+          .to contain_exactly(have_attributes(**expected_attributes, beneficiary: nil))
+      end
+    end
+
+    describe '#get' do
+      before do
+        stub_request(:get, "#{collection_url}/#{payload[:id]}")
+          .to_return(body: payload.to_json, headers: headers)
+      end
+
+      it 'returns the transfer' do
+        expect(manager.get(payload[:id]))
+          .to be_a(Fintoc::V2::CrossborderTransfer).and have_attributes(expected_attributes)
+      end
+    end
+  end
+end