How does creating an order work?

Quoting works without signing up: you pick the asset, the country and the payout method, and the net amount appears with its line-by-line breakdown. Nothing is committed at that point.

Creating the order locks the rate for a duration that depends on the asset: fifteen minutes for a volatile asset, thirty for a stablecoin. It is also when the beneficiary form adapts to the chosen rail — IBAN, NUBAN, PIX key, mobile number — with the validation specific to each format.

You then get a dedicated deposit address, with the memo if the network requires one. The countdown starts at that moment, not when you open your wallet.