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理财 › API 参考 › 订单

理财申购预估（起息日 · 到期日 · 预计利息）

POST /v1/earn/subscription-quotes scope: earn:read
代会员调用 · 必带 x-on-behalf-of

别自己按年化重算一遍。 起息日、day count、舍入位置全在服务端，而定期的 estimated_interest 与到期实收必须是同一个数（我方结算时会重算并断言相等）。自己算出来的会在某一天对不上，而那一天你已经把它显示给用户了。

不落行、不占额度。

── 两种产品，出参不同 ──

  • 活期（kind: "flexible"）：value_at 起息时刻、estimated_daily_interest 预计日收益、first_settle_date 首次派息日。⚠ disclaimer 恒为 "estimate" —— 活期利率随时会变，这个数是「按今天的利率算」，不是承诺。别在界面上写成「到期可得」。
  • 定期（kind: "fixed"）：value_date 起息日、maturity_date到期日、estimated_interest、total_at_maturity。定期的利率在下单那一刻快照进订单行，所以这个数就是到期实收。

⚠ 起息之前赎回不计息，而活期赎回是 LIFO（先扣没起息的那部分）——所以 value_at 要显示给用户。

字段类型必填说明
x-on-behalf-of string 必填

请求体

字段类型必填说明
product_id string 必填
amount string 必填

响应

200OK
{
  "kind": "fixed",
  "asset": "USDT",
  "ledger_scale": 6,
  "value_date": "2026-08-15",
  "maturity_date": "2026-11-13",
  "estimated_interest": "12.328767",
  "total_at_maturity": "1012.328767",
  "apr": "5.00%",
  "term_days": 90,
  "disclaimer": "estimate"
}
400invalid_request 金额格式 · invalid_fields 金额 ≤ 0 或量级越界 · limit_exceeded 低于起购 / 高于单笔上限 · member_context_required
404not_found —— 产品不存在或没对你开放。两种同一响应： 看不见的东西不该由错误码告诉你它存在。
请求 
curl -X POST 'https://api.zise.com/v1/earn/subscription-quotes' \
  -H 'x-auth-token: Bearer $TOKEN' \
  -H 'x-on-behalf-of: $MEMBER_ID' \
  -H 'content-type: application/json' \
  -d '{
    "product_id": "ern_8c1d",
    "amount": "1000.00"
  }'
const res = await fetch("https://api.zise.com/v1/earn/subscription-quotes", {
  method: "POST",
  headers: {
    "x-auth-token": "Bearer $TOKEN",
    "x-on-behalf-of": "$MEMBER_ID",
    "content-type": "application/json",
  },
  body: JSON.stringify({
    "product_id": "ern_8c1d",
    "amount": "1000.00"
  }),
});
// 金额按字符串读，别让它变成 number
const data = await res.json();
import requests

res = requests.post(
    "https://api.zise.com/v1/earn/subscription-quotes",
    headers={
        "x-auth-token": "Bearer $TOKEN",
        "x-on-behalf-of": "$MEMBER_ID",
        "content-type": "application/json",
    },
    json={
      "product_id": "ern_8c1d",
      "amount": "1000.00"
    },
)
# 金额用 Decimal(str(...))，不要 float
data = res.json()
req, _ := http.NewRequest("POST", "https://api.zise.com/v1/earn/subscription-quotes",
    strings.NewReader(`{
  "product_id": "ern_8c1d",
  "amount": "1000.00"
}`))
req.Header.Set("x-auth-token", "Bearer $TOKEN")
req.Header.Set("x-on-behalf-of", "$MEMBER_ID")
req.Header.Set("content-type", "application/json")
res, err := http.DefaultClient.Do(req)
// 金额字段用 string 接，不要 float64
HttpRequest req = HttpRequest.newBuilder()
    .uri(URI.create("https://api.zise.com/v1/earn/subscription-quotes"))
    .header("x-auth-token", "Bearer $TOKEN")
    .header("x-on-behalf-of", "$MEMBER_ID")
    .header("content-type", "application/json")
    .method("POST", HttpRequest.BodyPublishers.ofString("""
{
  "product_id": "ern_8c1d",
  "amount": "1000.00"
}
"""))
    .build();
// 金额字段用 String / BigDecimal，不要 double
$ch = curl_init('https://api.zise.com/v1/earn/subscription-quotes');
curl_setopt_array($ch, [
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_HTTPHEADER => [
    'x-auth-token: Bearer $TOKEN',
    'x-on-behalf-of: $MEMBER_ID',
    'content-type: application/json',
  ],
  CURLOPT_POSTFIELDS => <<<'JSON'
{
  "product_id": "ern_8c1d",
  "amount": "1000.00"
}
JSON,
]);
$res = curl_exec($ch);
// 金额用 bcmath / 字符串，不要 floatval
200 
{
  "kind": "fixed",
  "asset": "USDT",
  "ledger_scale": 6,
  "value_date": "2026-08-15",
  "maturity_date": "2026-11-13",
  "estimated_interest": "12.328767",
  "total_at_maturity": "1012.328767",
  "apr": "5.00%",
  "term_days": 90,
  "disclaimer": "estimate"
}