Send a cross-border transfer

const quote = await sly.quotes.create({
  from_currency: 'USD',
  to_currency: 'EUR',
  amount: '1000.00',
  amount_side: 'send',   // "I send $1000" — or "receive" for "they get €X"
});

console.log(quote);
// {
//   id: 'qt_...',
//   rate: '0.9284',
//   send_amount: '1000.00',
//   receive_amount: '928.40',
//   fee: '2.50',
//   expires_at: '...'
// }

const transfer = await sly.transfers.create({
  type: 'cross_border',
  from_wallet_id: 'wal_usd_source',
  to_wallet_id: 'wal_eur_dest',    // or to_account_id
  quote_id: quote.id,
  memo: 'Q1 consulting invoice',
  idempotency_key: `inv-2026-Q1-${invoiceId}`,
});

console.log(transfer.status);  // 'pending'

// Your webhook handler
if (event.type === 'transfer.completed') {
  await markInvoicePaid(event.data.transfer);
}

await agent.connect({
  onTransfer: (t) => {
    if (t.id === transfer.id && t.status === 'completed') markInvoicePaid(t);
  },
});

const final = await sly.transfers.waitForSettlement(transfer.id, { timeout: 60_000 });
// final.status === 'completed' | 'failed'

if (final.status === 'failed') {
  console.error(final.failure_reason);   // code + details
  // Common: RAIL_DECLINED, INSUFFICIENT_BALANCE, SANCTIONS_HIT
}

try {
  await sly.transfers.create({ ..., quote_id: quote.id });
} catch (e) {
  if (e.code === 'QUOTE_EXPIRED') {
    quote = await sly.quotes.create(...);
    await sly.transfers.create({ ..., quote_id: quote.id });
  } else throw e;
}

const pairs = await sly.quotes.getPairs();
// [{ from: 'USD', to: 'EUR', rails: ['wire', 'card'], typical_settlement: 'T+1' }, ...]