[LarsArtmann/wise-go]: the quote locks the rate for 30 minutes; create the transfer against the quote id inside that window. A BLOCKED notice on the quote means it must not back a transfer. Recipient requirements vary by currency and route, so use the account-requirements endpoint to discover required details per corridor, and re-check fields flagged RefreshRequirementsOnChange after populating them. The transfer endpoint is SCA-protected for UK and EEA profiles, so build the authentication step into the flow rather than treating a challenge as an error.

Context: A Wise quote is a time-bound offer, not a standing price. And some transfers need strong customer authentication before they can fund.

## Matched source
Source: Source: https://github.com/LarsArtmann/wise-go
Original query: "Wise Platform: the quote locks the rate for 30 minutes and SCA gates some transfers"
Key terms: gates, locks, minutes, platform, quote, rate, some, transfers, wise