diff --git a/README.md b/README.md
index ba19810b..b8a62563 100644
--- a/README.md
+++ b/README.md
@@ -93,6 +93,119 @@ push a release triggering another subsequent build that also publishes a docker
 - It is unknown if a race condition might occur with multiple merges with master in
   quick succession, but this is a suspected edge case.
 
+
+## How to use quoting-service JSON rules
+### About rules.json
+The rules.json file acts as a rules engine and enables you to define arbitrary rules that will accept or reject quotes. A rule is defined as an object with a title, a conditions object, and an event object. A rule specifies that if certain conditions are met, then the specified event will be generated.
+
+The rules engine used by the quoting-service is an off-the-shelf rules engine, called json-rules-engine. For detailed information on how to write rules, see the [json-rules-engine documentation](https://github.com/CacheControl/json-rules-engine/blob/master/docs/rules.md). This page only focuses on those details that are relevant for adding support for new currencies.
+
+### Conditions
+Conditions are a combination of facts, paths, operators, and values.
+
+Each rule's conditions must have either an all or an any operator at its root, containing an array of conditions. The all operator specifies that all conditions must be met for the rule to be applied. The any operator only requires one condition to be met for the rule to be applied.
+
+Operators within the individual conditions can take the following values:
+
+  - `equal:` fact must equal value (string or numeric value)
+  - `notEqual:` fact must not equal value (string or numeric value)
+  - `in:` fact must be included in value (an array)
+  - `notIn:` fact must not be included in value (an array)
+  - `contains:` fact (an array) must include value
+  - `doesNotContain:` fact (an array) must not include value
+
+### Events
+Event objects must have a type property, and an optional params property. There are two types of events:
+
+  - `INTERCEPT_QUOTE`: Used for redirecting quote requests.
+  - `INVALID_QUOTE_REQUEST`: Used for validation rules. You do not have to use this type of event when adding support for new currencies.
+
+### Configuration – an example
+```
+  [
+    {
+        "title": "This is UGX -> ZMW transfer rule",
+        "conditions": {
+          "all": [
+              {
+                "fact": "headers",
+                "path": "$.fspiop-source",
+                "operator": "notIn",
+                "value":[
+                    "DFSPUGX",
+                    "DFSPZMW"
+                ]
+              },
+              {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency",
+                "operator": "equal",
+                "value": "UGX"
+              },
+              {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency",
+                "operator": "equal",
+                "value": "ZMW"
+              }
+          ]
+        },
+        "event":{
+          "type": "INTERCEPT_QUOTE",
+          "params":{
+              "rerouteToFsp": "DFSPUGX",
+              "additionalHeaders": {
+                "x-fspiop-sourcecurrency": "UGX",
+                "x-fspiop-destinationcurrency": "ZMW"
+              }
+          }
+        }
+    },
+    {
+      "title": "Payee fsp should have only one active account",
+      "conditions": {
+        "all": [
+          {
+            "any": [
+              {
+                "fact": "payload",
+                "path": "$.amount.currency",
+                "operator": "notIn",
+                "value": {
+                  "fact": "payer",
+                  "path": "$.accounts[?(@.ledgerAccountType == \"POSITION\" && @.isActive  == 1)].currency"
+                }
+              },
+              {
+                "fact": "payload",
+                "path": "$.amount.currency",
+                "operator": "notIn",
+                "value": {
+                  "fact": "payee",
+                  "path": "$.accounts[?(@.ledgerAccountType == \"POSITION\" && @.isActive  == 1)].currency"
+                }
+              }
+            ]
+          },
+          {
+            "fact": "payee",
+            "path": "$.accounts[?(@.ledgerAccountType == \"POSITION\" && @.isActive  == 1)]",
+            "operator": "isArray",
+            "value": true
+          }
+        ]
+      },
+      "event": {
+        "type": "INVALID_QUOTE_REQUEST",
+        "params": {
+          "FSPIOPError": "PAYEE_ERROR",
+          "message": "Payee FSP has more than 1 active currency account. Switch does not support more than 1 active currency account for Forex Requests"
+        }
+      }
+    }
+  ]
+
+```
 ## Additional Notes
 
 N/A
diff --git a/audit-resolve.json b/audit-resolve.json
index 4c0303b5..6130b4d4 100644
--- a/audit-resolve.json
+++ b/audit-resolve.json
@@ -1,44 +1,54 @@
 {
   "decisions": {
-    "1002401|@mojaloop/central-services-shared>widdershins>yargs>string-width>strip-ansi>ansi-regex": {
+    "1004854|@mojaloop/central-services-shared>widdershins>openapi-sampler>json-pointer": {
       "decision": "ignore",
-      "madeAt": 1634736537116,
-      "expiresAt": 1637328532038
+      "madeAt": 1644325757825,
+      "expiresAt": 1646917672191
     },
-    "1002401|@mojaloop/central-services-shared>widdershins>yargs>cliui>string-width>strip-ansi>ansi-regex": {
+    "1004869|@mojaloop/central-services-shared>widdershins>swagger2openapi>better-ajv-errors>jsonpointer": {
       "decision": "ignore",
-      "madeAt": 1634736537116,
-      "expiresAt": 1637328532038
+      "madeAt": 1644325761263,
+      "expiresAt": 1646917672191
     },
-    "1002865|@mojaloop/central-services-shared>shins>sanitize-html": {
+    "1004869|@mojaloop/central-services-shared>widdershins>swagger2openapi>oas-validator>better-ajv-errors>jsonpointer": {
       "decision": "ignore",
-      "madeAt": 1634736539173,
-      "expiresAt": 1637328532038
+      "madeAt": 1644325761263,
+      "expiresAt": 1646917672191
     },
-    "1002866|@mojaloop/central-services-shared>shins>sanitize-html": {
+    "1004946|@mojaloop/central-services-shared>widdershins>yargs>string-width>strip-ansi>ansi-regex": {
       "decision": "ignore",
-      "madeAt": 1634736539173,
-      "expiresAt": 1637328532038
+      "madeAt": 1644325764910,
+      "expiresAt": 1646917672191
     },
-    "1003019|@mojaloop/central-services-shared>widdershins>yargs>yargs-parser": {
+    "1004946|@mojaloop/central-services-shared>widdershins>yargs>cliui>string-width>strip-ansi>ansi-regex": {
       "decision": "ignore",
-      "madeAt": 1634736540650,
-      "expiresAt": 1637328532038
+      "madeAt": 1644325764910,
+      "expiresAt": 1646917672191
     },
-    "1004809|@mojaloop/central-services-shared>widdershins>openapi-sampler>json-pointer": {
+    "1005383|@mojaloop/central-services-shared>shins>sanitize-html": {
       "decision": "ignore",
-      "madeAt": 1636987481291,
-      "expiresAt": 1639579470858
+      "madeAt": 1644325767287,
+      "expiresAt": 1646917672191
     },
-    "1004812|@mojaloop/central-services-shared>widdershins>swagger2openapi>better-ajv-errors>jsonpointer": {
+    "1005384|@mojaloop/central-services-shared>shins>sanitize-html": {
       "decision": "ignore",
-      "madeAt": 1636987484386,
-      "expiresAt": 1639579470858
+      "madeAt": 1644325767287,
+      "expiresAt": 1646917672191
     },
-    "1004812|@mojaloop/central-services-shared>widdershins>swagger2openapi>oas-validator>better-ajv-errors>jsonpointer": {
+    "1005534|@mojaloop/central-services-shared>widdershins>yargs>yargs-parser": {
       "decision": "ignore",
-      "madeAt": 1636987484386,
-      "expiresAt": 1639579470858
+      "madeAt": 1644325769863,
+      "expiresAt": 1646917672191
+    },
+    "1006846|@mojaloop/central-services-shared>shins>sanitize-html>postcss": {
+      "decision": "ignore",
+      "madeAt": 1644325772190,
+      "expiresAt": 1646917672191
+    },
+    "1006886|@mojaloop/central-services-shared>shins>markdown-it": {
+      "decision": "ignore",
+      "madeAt": 1644325774956,
+      "expiresAt": 1646917672191
     }
   },
   "rules": {},
diff --git a/config/rules.example.json b/config/rules.example.json
index 7e8b7e14..a9cf1505 100644
--- a/config/rules.example.json
+++ b/config/rules.example.json
@@ -3,32 +3,80 @@
     "conditions": {
       "all": [
         {
-          "fact": "json-path",
-          "params": {
-            "fact": "payload",
-            "path": "$.payload.extensionList[?(@.key == 'KYCPayerTier')].value"
-          },
-          "operator": "deepEqual",
-          "value": [ "1" ]
+          "fact": "payer",
+          "path": "$.accounts",
+          "operator": "isArray",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYER_UNSUPPORTED_CURRENCY",
+        "message": "Payer does not have any active accounts"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "payee",
+          "path": "$.accounts",
+          "operator": "isArray",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYEE_UNSUPPORTED_CURRENCY",
+        "message": "Payee does not have any active accounts"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notIn",
+          "value": [
+            "DFSPXOF",
+            "DFSPEUR",
+            "DFSPMAD"
+          ]
         },
         {
           "fact": "payload",
-          "path": ".amount.currency",
+          "path": "$.amount.currency",
           "operator": "notIn",
           "value": {
-            "fact": "json-path",
-            "params": {
-              "fact": "payee",
-              "path": "$.payee.accounts[?(@.ledgerAccountType == 'SETTLEMENT')].currency"
-            }
+            "fact": "payee",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
           }
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "equal",
+          "value": "EUR"
         }
       ]
     },
     "event": {
       "type": "INTERCEPT_QUOTE",
       "params": {
-        "rerouteToFsp": "DFSPEUR"
+        "rerouteToFsp": "DFSPEUR",
+        "sourceCurrency": "EUR",
+        "rerouteToFspCurrency": "XOF",
+        "additionalHeaders": {
+          "x-fspiop-sourcecurrency": "EUR",
+          "x-fspiop-destinationcurrency": "XOF"
+        }        
       }
     }
   },
@@ -36,24 +84,175 @@
     "conditions": {
       "all": [
         {
-          "fact": "json-path",
-          "params": {
-            "fact": "payload",
-            "path": "$.payload.extensionList[?(@.key == 'KYCPayerTier')].value"
-          },
-          "operator": "notDeepEqual",
-          "value": [ "1" ]
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notIn",
+          "value": [
+            "DFSPXOF",
+            "DFSPEUR",
+            "DFSPMAD"
+          ]
         },
         {
           "fact": "payload",
-          "path": ".amount.currency",
+          "path": "$.amount.currency",
           "operator": "notIn",
           "value": {
-            "fact": "json-path",
-            "params": {
-              "fact": "payee",
-              "path": "$.payee.accounts[?(@.ledgerAccountType == 'SETTLEMENT')].currency"
-            }
+            "fact": "payer",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+          }
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "equal",
+          "value": "XOF"
+        }
+      ]
+    },
+    "event": {
+      "type": "INTERCEPT_QUOTE",
+      "params": {
+        "rerouteToFsp": "DFSPEUR",
+        "sourceCurrency": "EUR",
+        "rerouteToFspCurrency": "XOF",
+        "additionalHeaders": {
+          "x-fspiop-sourcecurrency": "EUR",
+          "x-fspiop-destinationcurrency": "XOF"
+        }     
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notIn",
+          "value": [
+            "DFSPXOF",
+            "DFSPEUR",
+            "DFSPMAD"
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "notIn",
+          "value": {
+            "fact": "payee",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+          }
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "equal",
+          "value": "XOF"
+        }
+      ]
+    },
+    "event": {
+      "type": "INTERCEPT_QUOTE",
+      "params": {
+        "rerouteToFsp": "DFSPXOF",
+        "sourceCurrency": "XOF",
+        "rerouteToFspCurrency": "EUR",
+        "additionalHeaders": {
+          "x-fspiop-sourcecurrency": "XOF",
+          "x-fspiop-destinationcurrency": "EUR"
+        }     
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notIn",
+          "value": [
+            "DFSPXOF",
+            "DFSPEUR",
+            "DFSPMAD"
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "notIn",
+          "value": {
+            "fact": "payer",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+          }
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "equal",
+          "value": "EUR"
+        }
+      ]
+    },
+    "event": {
+      "type": "INTERCEPT_QUOTE",
+      "params": {
+        "rerouteToFsp": "DFSPXOF",
+        "sourceCurrency": "XOF",
+        "rerouteToFspCurrency": "EUR",
+        "additionalHeaders": {
+          "x-fspiop-sourcecurrency": "XOF",
+          "x-fspiop-destinationcurrency": "EUR"
+        }     
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "payload",
+          "path": "$.amountType",
+          "operator": "equal",
+          "value": "SEND"
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "notIn",
+          "value": {
+            "fact": "payer",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+          }
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYER_UNSUPPORTED_CURRENCY",
+        "message": "Requested currency not available for payer"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "payload",
+          "path": "$.amountType",
+          "operator": "equal",
+          "value": "RECEIVE"
+        },
+        {
+          "fact": "payload",
+          "path": "$.amount.currency",
+          "operator": "notIn",
+          "value": {
+            "fact": "payee",
+            "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
           }
         }
       ]
@@ -62,7 +261,285 @@
       "type": "INVALID_QUOTE_REQUEST",
       "params": {
         "FSPIOPError": "PAYEE_UNSUPPORTED_CURRENCY",
-        "message": "The requested payee does not support the payment currency"
+        "message": "Requested currency not available for payee"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notIn",
+          "value": [
+            "DFSPXOF",
+            "DFSPEUR",
+            "DFSPMAD"
+          ]
+        },
+        {
+          "fact": "headers",
+          "path": "$.fspiop-source",
+          "operator": "notEqual",
+          "value": {
+            "fact": "payload",
+            "path": "$.payer.partyIdInfo.fspId"
+          }
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYER_ERROR",
+        "message": "The payer FSP does not match the fspiop-source header"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.payer.personalInfo.complexName.firstName",
+          "operator": "isString",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "MISSING_ELEMENT",
+        "message": "firstName is required"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.payer.personalInfo.complexName.lastName",
+          "operator": "isString",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "MISSING_ELEMENT",
+        "message": "lastName is required"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.payer.personalInfo",
+          "operator": "isObject",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "MISSING_ELEMENT",
+        "message": "PartyPersonalInfo is required"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payload",
+          "path": "$.payer.personalInfo.dateOfBirth",
+          "operator": "isString",
+          "value": false
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "MISSING_ELEMENT",
+        "message": "dateOfBirth is required"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payer",
+          "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)]",
+          "operator": "isArray",
+          "value": true
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYER_ERROR",
+        "message": "Payer should not have more than 1 currency account"
+      }
+    }
+  },
+  {
+    "conditions": {
+      "all": [
+        {
+          "any": [
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payee",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            },
+            {
+              "fact": "payload",
+              "path": "$.amount.currency",
+              "operator": "notIn",
+              "value": {
+                "fact": "payer",
+                "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)].currency"
+              }
+            }
+          ]
+        },
+        {
+          "fact": "payee",
+          "path": "$.accounts[?(@.ledgerAccountType == 'POSITION' && @.isActive  == 1)]",
+          "operator": "isArray",
+          "value": true
+        }
+      ]
+    },
+    "event": {
+      "type": "INVALID_QUOTE_REQUEST",
+      "params": {
+        "FSPIOPError": "PAYEE_ERROR",
+        "message": "Payee should not have more than 1 currency account"
       }
     }
   }
diff --git a/package-lock.json b/package-lock.json
index c41df84f..dc85ed0d 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -193,9 +193,9 @@
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+      "resolved": "https://registry.npmjs.org/@hapi/inert/-/inert-6.0.5.tgz",
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+      "resolved": "https://registry.npmjs.org/@jest/console/-/console-27.5.1.tgz",
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-        "jest-util": "^27.3.1",
-        "jest-validate": "^27.3.1",
-        "jest-watcher": "^27.3.1",
+        "graceful-fs": "^4.2.9",
+        "jest-changed-files": "^27.5.1",
+        "jest-config": "^27.5.1",
+        "jest-haste-map": "^27.5.1",
+        "jest-message-util": "^27.5.1",
+        "jest-regex-util": "^27.5.1",
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+        "jest-resolve-dependencies": "^27.5.1",
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@@ -1185,6 +1185,12 @@
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@@ -1212,35 +1218,35 @@
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-        "@jest/fake-timers": "^27.3.1",
-        "@jest/types": "^27.2.5",
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-        "jest-message-util": "^27.3.1",
-        "jest-mock": "^27.3.0",
-        "jest-util": "^27.3.1"
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@@ -1249,42 +1255,42 @@
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-        "@jest/types": "^27.2.5",
-        "expect": "^27.3.1"
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-        "graceful-fs": "^4.2.4",
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@@ -1344,58 +1385,74 @@
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-      "resolved": "https://registry.npmjs.org/ws/-/ws-7.5.5.tgz",
-      "integrity": "sha512-BAkMFcAzl8as1G/hArkxOxq3G7pjUqQ3gzYbLL0/5zNkph70e+lCoxBGnm6AW1+/aiNeV4fnKqZ8m4GZewmH2w==",
+      "version": "7.5.7",
+      "resolved": "https://registry.npmjs.org/ws/-/ws-7.5.7.tgz",
+      "integrity": "sha512-KMvVuFzpKBuiIXW3E4u3mySRO2/mCHSyZDJQM5NQ9Q9KHWHWh0NHgfbRMLLrceUK5qAL4ytALJbpRMjixFZh8A==",
       "dev": true
     },
     "xdg-basedir": {
diff --git a/package.json b/package.json
index 65268fa4..7c74cfd7 100644
--- a/package.json
+++ b/package.json
@@ -63,43 +63,43 @@
   "dependencies": {
     "@hapi/good": "9.0.1",
     "@hapi/hapi": "20.2.1",
-    "@hapi/inert": "6.0.4",
+    "@hapi/inert": "6.0.5",
     "@hapi/vision": "6.1.0",
     "@mojaloop/central-services-error-handling": "11.3.0",
     "@mojaloop/central-services-logger": "10.6.2",
     "@mojaloop/central-services-metrics": "11.0.0",
-    "@mojaloop/central-services-shared": "15.0.0",
+    "@mojaloop/central-services-shared": "15.2.0",
     "@mojaloop/event-sdk": "10.7.1",
     "@mojaloop/ml-number": "11.2.1",
     "@mojaloop/sdk-standard-components": "15.13.0",
-    "ajv": "8.6.3",
-    "ajv-keywords": "5.0.0",
-    "axios": "0.24.0",
+    "ajv": "8.10.0",
+    "ajv-keywords": "5.1.0",
+    "axios": "0.25.0",
     "blipp": "4.0.2",
     "eslint-config-standard": "16.0.3",
     "event-stream": "4.0.1",
     "good-console": "8.0.0",
     "good-squeeze": "5.1.0",
-    "joi": "17.4.2",
+    "joi": "17.6.0",
     "json-rules-engine": "5.0.2",
-    "knex": "0.95.13",
+    "knex": "1.0.2",
     "memory-cache": "0.2.0",
     "minimist": "1.2.5",
     "mysql": "2.18.1",
-    "node-fetch": "3.0.0",
+    "node-fetch": "3.2.0",
     "parse-strings-in-object": "2.0.0",
     "rc": "1.2.8"
   },
   "devDependencies": {
     "eslint": "7.32.0",
-    "jest": "27.3.1",
+    "jest": "27.5.1",
     "jest-junit": "13.0.0",
     "npm-audit-resolver": "2.3.1",
-    "npm-check-updates": "12.0.0",
+    "npm-check-updates": "12.3.0",
     "nyc": "15.1.0",
     "pre-commit": "1.2.2",
     "proxyquire": "2.1.3",
-    "sinon": "12.0.1",
+    "sinon": "13.0.1",
     "standard": "16.0.4",
     "standard-version": "9.3.2",
     "swagmock": "1.0.0"
diff --git a/src/data/database.js b/src/data/database.js
index defec62d..27289967 100644
--- a/src/data/database.js
+++ b/src/data/database.js
@@ -369,7 +369,39 @@ class Database {
 
       return rows[0].participantId
     } catch (err) {
-      this.writeLog(`Error in getPartyIdentifierType: ${getStackOrInspect(err)}`)
+      this.writeLog(`Error in getParticipant: ${getStackOrInspect(err)}`)
+      throw ErrorHandler.Factory.reformatFSPIOPError(err)
+    }
+  }
+
+  /**
+     * Gets the id of the specified participant name
+     *
+     * @returns {promise} - id of the participant
+     */
+  async getParticipantByName (participantName, participantType) {
+    try {
+      const rows = await this.queryBuilder('participant')
+        .where({
+          name: participantName,
+          isActive: 1
+        })
+        .select()
+
+      if ((!rows) || rows.length < 1) {
+        // active participant does not exist, this is an error
+        if (participantType && participantType === LOCAL_ENUM.PAYEE_DFSP) {
+          throw ErrorHandler.Factory.createFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_FSP_ERROR, `Unsupported participant '${participantName}'`)
+        } else if (participantType && participantType === LOCAL_ENUM.PAYER_DFSP) {
+          throw ErrorHandler.Factory.createFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.PAYER_FSP_ID_NOT_FOUND, `Unsupported participant '${participantName}'`)
+        } else {
+          throw ErrorHandler.Factory.createFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.VALIDATION_ERROR, `Unsupported participant '${participantName}'`)
+        }
+      }
+
+      return rows[0].participantId
+    } catch (err) {
+      this.writeLog(`Error in getParticipantByName: ${getStackOrInspect(err)}`)
       throw ErrorHandler.Factory.reformatFSPIOPError(err)
     }
   }
@@ -459,7 +491,7 @@ class Database {
       const enumVals = await Promise.all([
         this.getPartyType(partyType),
         this.getPartyIdentifierType(party.partyIdInfo.partyIdType),
-        this.getParticipant(party.partyIdInfo.fspId, participantType, currency),
+        this.getParticipantByName(party.partyIdInfo.fspId),
         this.getTransferParticipantRoleType(participantType),
         this.getLedgerEntryType(ledgerEntryType)
       ])
diff --git a/src/interface/swagger.json b/src/interface/swagger.json
index 9ef78f9c..beeac7af 100644
--- a/src/interface/swagger.json
+++ b/src/interface/swagger.json
@@ -1369,7 +1369,7 @@
       "type": "string",
       "minLength": 1,
       "maxLength": 128,
-      "pattern": "^(?!\\s*$)[\\w .,'-]{1,128}$",
+      "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
       "description": "First name of the Party (Name Type)."
     },
     "FspId": {
@@ -1412,7 +1412,7 @@
       "type": "string",
       "minLength": 1,
       "maxLength": 128,
-      "pattern": "^(?!\\s*$)[\\w .,'-]{1,128}$",
+      "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
       "description": "Last name of the Party (Name Type)."
     },
     "Latitude": {
@@ -1438,7 +1438,7 @@
       "type": "string",
       "minLength": 1,
       "maxLength": 128,
-      "pattern": "^(?!\\s*$)[\\w .,'-]{1,128}$",
+      "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
       "description": "Middle name of the Party (Name Type)."
     },
     "Name": {
@@ -2203,15 +2203,24 @@
       "properties": {
         "firstName": {
           "type": "string",
-          "description": "Party’s first name."
+          "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
+          "description": "Party’s first name.",
+          "minLength": 1,
+          "maxLength": 128
         },
         "middleName": {
           "type": "string",
-          "description": "Party’s middle name."
+          "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
+          "description": "Party’s middle name.",
+          "minLength": 1,
+          "maxLength": 128
         },
         "lastName": {
           "type": "string",
-          "description": "Party’s last name."
+          "pattern": "^(?!\\s*$)[\\p{L}\\p{gc=Mark}\\p{digit}\\p{gc=Connector_Punctuation}\\p{Join_Control} .,''-]{1,128}$",
+          "description": "Party’s last name.",
+          "minLength": 1,
+          "maxLength": 128
         }
       }
     },
@@ -2939,4 +2948,4 @@
       "type": "string"
     }
   }
-}
+}
\ No newline at end of file
diff --git a/src/lib/config.js b/src/lib/config.js
index 06ddb84d..2687a260 100644
--- a/src/lib/config.js
+++ b/src/lib/config.js
@@ -102,8 +102,9 @@ class Config {
         // how often to check for idle resources to destroy
         reapIntervalMillis: RC.DATABASE.REAP_INTERVAL_MILLIS,
         // long long to idle after failed create before trying again
-        createRetryIntervalMillis: RC.DATABASE.CREATE_RETRY_INTERVAL_MILLIS
+        createRetryIntervalMillis: RC.DATABASE.CREATE_RETRY_INTERVAL_MILLIS,
         // ping: function (conn, cb) { conn.query('SELECT 1', cb) }
+        propagateCreateError: false
       },
       debug: RC.DATABASE.DEBUG ? RC.DATABASE.DEBUG : false
     }
diff --git a/src/lib/util.js b/src/lib/util.js
index 3fcce671..4b029365 100644
--- a/src/lib/util.js
+++ b/src/lib/util.js
@@ -36,7 +36,8 @@ const util = require('util')
 const crypto = require('crypto')
 const Enum = require('@mojaloop/central-services-shared').Enum
 const Logger = require('@mojaloop/central-services-logger')
-const resourceVersions = require('@mojaloop/central-services-shared').Util.resourceVersions
+const Config = require('./config')
+const axios = require('axios')
 
 const failActionHandler = async (request, h, err) => {
   Logger.error(`validation failure: ${getStackOrInspect}`)
@@ -139,9 +140,9 @@ function applyResourceVersionHeaders (headers, protocolVersions) {
  *
  * @returns {object}
  */
-function generateRequestHeaders (headers, protocolVersions, noAccept = false) {
+function generateRequestHeaders (headers, protocolVersions, noAccept = false, additionalHeaders) {
   const { contentTypeHeader, acceptHeader } = applyResourceVersionHeaders(headers, protocolVersions)
-  const ret = {
+  let ret = {
     'Content-Type': contentTypeHeader,
     Date: headers.date,
     'FSPIOP-Source': headers['fspiop-source'],
@@ -155,6 +156,10 @@ function generateRequestHeaders (headers, protocolVersions, noAccept = false) {
   if (!noAccept) {
     ret.Accept = acceptHeader
   }
+  // below are the non-standard headers added by the rules
+  if (additionalHeaders) {
+    ret = { ...ret, ...additionalHeaders }
+  }
 
   return removeEmptyKeys(ret)
 }
@@ -195,6 +200,17 @@ function calculateRequestHash (request) {
   return crypto.createHash('sha256').update(requestStr).digest('hex')
 }
 
+const fetchParticipantInfo = async (source, destination) => {
+  // Get quote participants from central ledger admin
+  const { switchEndpoint } = new Config()
+  const url = `${switchEndpoint}/participants`
+  const [payer, payee] = await Promise.all([
+    axios.request({ url: `${url}/${source}` }),
+    axios.request({ url: `${url}/${destination}` })
+  ])
+  return { payer: payer.data, payee: payee.data }
+}
+
 module.exports = {
   failActionHandler,
   getSafe,
@@ -203,5 +219,6 @@ module.exports = {
   generateRequestHeaders,
   generateRequestHeadersForJWS,
   calculateRequestHash,
-  removeEmptyKeys
+  removeEmptyKeys,
+  fetchParticipantInfo
 }
diff --git a/src/model/quotes.js b/src/model/quotes.js
index 52e46d44..d89ef35b 100644
--- a/src/model/quotes.js
+++ b/src/model/quotes.js
@@ -30,6 +30,7 @@
  - Henk Kodde <henk.kodde@modusbox.com>
  - Matt Kingston <matt.kingston@modusbox.com>
  - Vassilis Barzokas <vassilis.barzokas@modusbox.com>
+ - Shashikant Hirugade <shashikant.hirugade@modusbox.com>
  --------------
  ******/
 
@@ -46,7 +47,7 @@ const JwsSigner = require('@mojaloop/sdk-standard-components').Jws.signer
 
 const Config = require('../lib/config')
 const { httpRequest } = require('../lib/http')
-const { getStackOrInspect, generateRequestHeadersForJWS, generateRequestHeaders, calculateRequestHash } = require('../lib/util')
+const { getStackOrInspect, generateRequestHeadersForJWS, generateRequestHeaders, calculateRequestHash, fetchParticipantInfo } = require('../lib/util')
 const LOCAL_ENUM = require('../lib/enum')
 const rules = require('../../config/rules.json')
 const RulesEngine = require('./rules.js')
@@ -66,22 +67,11 @@ class QuotesModel {
     this.requestId = config.requestId
   }
 
-  async executeRules (headers, quoteRequest) {
+  async executeRules (headers, quoteRequest, payer, payee) {
     if (rules.length === 0) {
       return []
     }
 
-    // Collect facts to supply to the rule engine
-    // Get quote participants from central ledger admin
-    const { switchEndpoint } = new Config()
-    const url = `${switchEndpoint}/participants`
-    const [payer, payee] = await Promise.all([
-      axios.request({ url: `${url}/${headers['fspiop-source']}` }),
-      axios.request({ url: `${url}/${headers['fspiop-destination']}` })
-    ])
-
-    this.writeLog(`Got rules engine facts payer ${payer} and payee ${payee}`)
-
     const facts = {
       payer,
       payee,
@@ -91,7 +81,7 @@ class QuotesModel {
 
     const { events } = await RulesEngine.run(rules, facts)
 
-    this.writeLog(`Rules engine returned events ${events}`)
+    this.writeLog(`Rules engine returned events ${JSON.stringify(events)}`)
 
     return events
   }
@@ -131,7 +121,7 @@ class QuotesModel {
     }
     if (interceptQuoteEvents.length > 0) {
       // send the quote request to the recipient in the event
-      return {
+      const result = {
         terminate: false,
         quoteRequest,
         headers: {
@@ -139,6 +129,13 @@ class QuotesModel {
           'fspiop-destination': interceptQuoteEvents[0].params.rerouteToFsp
         }
       }
+      // if additionalHeaders are present then add the additional non-standard headers (e.g. used by forex)
+      // Note these headers are not part of the mojaloop specification
+      if (interceptQuoteEvents[0].params.additionalHeaders) {
+        result.headers = { ...result.headers, ...interceptQuoteEvents[0].params.additionalHeaders }
+        result.additionalHeaders = interceptQuoteEvents[0].params.additionalHeaders
+      }
+      return result
     }
   }
 
@@ -208,9 +205,15 @@ class QuotesModel {
       fspiopSource = headers[ENUM.Http.Headers.FSPIOP.SOURCE]
       const fspiopDestination = headers[ENUM.Http.Headers.FSPIOP.DESTINATION]
 
+      // validate - this will throw if the request is invalid
+      await this.validateQuoteRequest(fspiopSource, fspiopDestination, quoteRequest)
+
+      const { payer, payee } = await fetchParticipantInfo(fspiopSource, fspiopDestination)
+      this.writeLog(`Got payer ${payer} and payee ${payee}`)
+
       // Run the rules engine. If the user does not want to run the rules engine, they need only to
       // supply a rules file containing an empty array.
-      const events = await this.executeRules(headers, quoteRequest)
+      const events = await this.executeRules(headers, quoteRequest, payer, payee)
 
       handledRuleEvents = await this.handleRuleEvents(events, headers, quoteRequest)
 
@@ -218,9 +221,6 @@ class QuotesModel {
         return
       }
 
-      // validate - this will throw if the request is invalid
-      await this.validateQuoteRequest(fspiopSource, fspiopDestination, quoteRequest)
-
       if (!envConfig.simpleRoutingMode) {
         // check if this is a resend or an erroneous duplicate
         const dupe = await this.checkDuplicateQuoteRequest(quoteRequest)
@@ -239,7 +239,7 @@ class QuotesModel {
           // this is a resend
           // See section 3.2.5.1 in "API Definition v1.0.docx" API specification document.
           return this.handleQuoteRequestResend(handledRuleEvents.headers,
-            handledRuleEvents.quoteRequest, handleQuoteRequestSpan)
+            handledRuleEvents.quoteRequest, handleQuoteRequestSpan, handledRuleEvents.additionalHeaders)
         }
 
         // do everything in a db txn so we can rollback multiple operations if something goes wrong
@@ -252,8 +252,10 @@ class QuotesModel {
         await this.db.createQuoteDuplicateCheck(txn, quoteRequest.quoteId, hash)
 
         // create a txn reference
+        this.writeLog(`Creating transactionReference for quoteId: ${quoteRequest.quoteId} and transactionId: ${quoteRequest.transactionId}`)
         refs.transactionReferenceId = await this.db.createTransactionReference(txn,
           quoteRequest.quoteId, quoteRequest.transactionId)
+        this.writeLog(`transactionReference created transactionReferenceId: ${refs.transactionReferenceId}`)
 
         // get the initiator type
         refs.transactionInitiatorTypeId = await this.db.getInitiatorType(quoteRequest.transactionType.initiatorType)
@@ -300,7 +302,7 @@ class QuotesModel {
 
         // store any extension list items
         if (quoteRequest.extensionList &&
-            Array.isArray(quoteRequest.extensionList.extension)) {
+          Array.isArray(quoteRequest.extensionList.extension)) {
           refs.extensions = await this.db.createQuoteExtensions(
             txn, quoteRequest.extensionList.extension, quoteRequest.quoteId, quoteRequest.transactionId)
         }
@@ -344,7 +346,7 @@ class QuotesModel {
         await this.forwardQuoteRequest(handledRuleEvents.headers, quoteRequest.quoteId, handledRuleEvents.quoteRequest, forwardQuoteRequestSpan)
       } else {
         await forwardQuoteRequestSpan.audit({ headers, payload: refs }, EventSdk.AuditEventAction.start)
-        await this.forwardQuoteRequest(handledRuleEvents.headers, refs.quoteId, handledRuleEvents.quoteRequest, forwardQuoteRequestSpan)
+        await this.forwardQuoteRequest(handledRuleEvents.headers, refs.quoteId, handledRuleEvents.quoteRequest, forwardQuoteRequestSpan, handledRuleEvents.additionalHeaders)
       }
     } catch (err) {
       // any-error
@@ -374,11 +376,10 @@ class QuotesModel {
    *
    * @returns {undefined}
    */
-  async forwardQuoteRequest (headers, quoteId, originalQuoteRequest, span) {
+  async forwardQuoteRequest (headers, quoteId, originalQuoteRequest, span, additionalHeaders) {
     let endpoint
     const fspiopSource = headers[ENUM.Http.Headers.FSPIOP.SOURCE]
     const fspiopDest = headers[ENUM.Http.Headers.FSPIOP.DESTINATION]
-    const envConfig = new Config()
 
     try {
       if (!originalQuoteRequest) {
@@ -389,13 +390,9 @@ class QuotesModel {
       // lookup payee dfsp callback endpoint
       // TODO: for MVP we assume initiator is always payer dfsp! this may not always be the
       // case if a xfer is requested by payee
-      if (envConfig.simpleRoutingMode) {
-        endpoint = await this.db.getParticipantEndpoint(fspiopDest, 'FSPIOP_CALLBACK_URL_QUOTES')
-      } else {
-        endpoint = await this.db.getQuotePartyEndpoint(quoteId, 'FSPIOP_CALLBACK_URL_QUOTES', 'PAYEE')
-      }
+      endpoint = await this.db.getParticipantEndpoint(fspiopDest, 'FSPIOP_CALLBACK_URL_QUOTES')
 
-      this.writeLog(`Resolved PAYEE party FSPIOP_CALLBACK_URL_QUOTES endpoint for quote ${quoteId} to: ${util.inspect(endpoint)}`)
+      this.writeLog(`Resolved PAYEE party FSPIOP_CALLBACK_URL_QUOTES endpoint for quote ${quoteId} to: ${endpoint}, destination: ${fspiopDest}`)
 
       if (!endpoint) {
         // internal-error
@@ -405,7 +402,7 @@ class QuotesModel {
       }
 
       const fullCallbackUrl = `${endpoint}/quotes`
-      const newHeaders = generateRequestHeaders(headers, this.db.config.protocolVersions)
+      const newHeaders = generateRequestHeaders(headers, this.db.config.protocolVersions, false, additionalHeaders)
 
       this.writeLog(`Forwarding quote request to endpoint: ${fullCallbackUrl}`)
       this.writeLog(`Forwarding quote request headers: ${JSON.stringify(newHeaders)}`)
@@ -436,7 +433,7 @@ class QuotesModel {
    * Deals with resends of quote requests (POST) under the API spec:
    * See section 3.2.5.1, 9.4 and 9.5 in "API Definition v1.0.docx" API specification document.
    */
-  async handleQuoteRequestResend (headers, quoteRequest, span) {
+  async handleQuoteRequestResend (headers, quoteRequest, span, additionalHeaders) {
     try {
       const fspiopSource = headers[ENUM.Http.Headers.FSPIOP.SOURCE]
       this.writeLog(`Handling resend of quoteRequest: ${util.inspect(quoteRequest)} from ${fspiopSource} to ${headers[ENUM.Http.Headers.FSPIOP.DESTINATION]}`)
@@ -449,7 +446,7 @@ class QuotesModel {
       const childSpan = span.getChild('qs_quote_forwardQuoteRequestResend')
       try {
         await childSpan.audit({ headers, payload: quoteRequest }, EventSdk.AuditEventAction.start)
-        await this.forwardQuoteRequest(headers, quoteRequest.quoteId, quoteRequest, childSpan)
+        await this.forwardQuoteRequest(headers, quoteRequest.quoteId, quoteRequest, childSpan, additionalHeaders)
       } catch (err) {
         // any-error
         // as we are on our own in this context, dont just rethrow the error, instead...
@@ -551,7 +548,7 @@ class QuotesModel {
 
         // store any extension list items
         if (quoteUpdateRequest.extensionList &&
-            Array.isArray(quoteUpdateRequest.extensionList.extension)) {
+             Array.isArray(quoteUpdateRequest.extensionList.extension)) {
           refs.extensions = await this.db.createQuoteExtensions(
             txn, quoteUpdateRequest.extensionList.extension, quoteId, null, refs.quoteResponseId)
         }
@@ -620,7 +617,6 @@ class QuotesModel {
    */
   async forwardQuoteUpdate (headers, quoteId, originalQuoteResponse, span) {
     let endpoint = null
-    const envConfig = new Config()
     const fspiopSource = headers[ENUM.Http.Headers.FSPIOP.SOURCE]
     const fspiopDest = headers[ENUM.Http.Headers.FSPIOP.DESTINATION]
 
@@ -632,12 +628,7 @@ class QuotesModel {
       }
 
       // lookup payer dfsp callback endpoint
-      if (envConfig.simpleRoutingMode) {
-        endpoint = await this.db.getParticipantEndpoint(fspiopDest, 'FSPIOP_CALLBACK_URL_QUOTES')
-      } else {
-        // todo: for MVP we assume initiator is always payer dfsp! this may not always be the case if a xfer is requested by payee
-        endpoint = await this.db.getQuotePartyEndpoint(quoteId, 'FSPIOP_CALLBACK_URL_QUOTES', 'PAYER')
-      }
+      endpoint = await this.db.getParticipantEndpoint(fspiopDest, 'FSPIOP_CALLBACK_URL_QUOTES')
 
       this.writeLog(`Resolved PAYER party FSPIOP_CALLBACK_URL_QUOTES endpoint for quote ${quoteId} to: ${util.inspect(endpoint)}`)
 
@@ -803,7 +794,7 @@ class QuotesModel {
     let endpoint
 
     try {
-      // we just need to forward this request on to the destinatin dfsp. they should response with a
+      // we just need to forward this request on to the destination dfsp. they should response with a
       // quote update resend (PUT)
 
       // lookup payee dfsp callback endpoint
diff --git a/src/model/rules.js b/src/model/rules.js
index aac84e23..c8d0a430 100644
--- a/src/model/rules.js
+++ b/src/model/rules.js
@@ -65,6 +65,15 @@ const createEngine = () => {
   engine.addOperator('deepEqual', (factValue, ruleValue) => {
     return deepEqual(factValue, ruleValue)
   })
+  engine.addOperator('isString', (factValue, ruleValue) => {
+    return ((typeof factValue === 'string') === ruleValue)
+  })
+  engine.addOperator('isArray', (factValue, ruleValue) => {
+    return Array.isArray(factValue) === ruleValue
+  })
+  engine.addOperator('isObject', (factValue, ruleValue) => {
+    return (typeof factValue === 'object' && !Array.isArray(factValue)) === ruleValue
+  })
 
   return engine
 }
diff --git a/test/unit/data/database.test.js b/test/unit/data/database.test.js
index ac371536..63cbb99b 100644
--- a/test/unit/data/database.test.js
+++ b/test/unit/data/database.test.js
@@ -862,6 +862,79 @@ describe('/database', () => {
       })
     })
 
+    describe('getParticipantByName', () => {
+      it('gets the participant for PAYEE_DFSP', async () => {
+        // Arrange
+        const participantName = 'dfsp1'
+        const participantType = LibEnum.PAYEE_DFSP
+
+        const mockList = mockKnexBuilder(
+          mockKnex,
+          [{ participantId: 123 }],
+          ['where', 'select']
+        )
+
+        // Act
+        const result = await database.getParticipantByName(participantName, participantType)
+
+        // Assert
+        expect(result).toBe(123)
+        expect(mockList[0]).toHaveBeenCalledWith('participant')
+        // expect(mockList[1]).toHaveBeenCalledWith('participantCurrency', 'participantCurrency.participantId', 'participant.participantId')
+        expect(mockList[1]).toHaveBeenCalledTimes(1)
+      })
+
+      it('handles an undefined response with a participantType of PAYEE_DFSP', async () => {
+        // Arrange
+        const participantName = 'dfsp1'
+        const participantType = LibEnum.PAYEE_DFSP
+        mockKnexBuilder(
+          mockKnex,
+          undefined,
+          ['where', 'select']
+        )
+
+        // Act
+        const action = async () => database.getParticipantByName(participantName, participantType)
+
+        // Assert
+        await expect(action()).rejects.toThrowError('Unsupported participant')
+      })
+
+      it('handles an undefined response with a participantType of PAYER_DFSP', async () => {
+        // Arrange
+        const participantName = 'dfsp1'
+        const participantType = LibEnum.PAYER_DFSP
+        mockKnexBuilder(
+          mockKnex,
+          undefined,
+          ['where', 'select']
+        )
+
+        // Act
+        const action = async () => database.getParticipantByName(participantName, participantType)
+
+        // Assert
+        await expect(action()).rejects.toThrowError('Unsupported participant')
+      })
+
+      it('handles an empty response with no participantType', async () => {
+        // Arrange
+        const participantName = 'dfsp1'
+        mockKnexBuilder(
+          mockKnex,
+          [],
+          ['where', 'select']
+        )
+
+        // Act
+        const action = async () => database.getParticipantByName(participantName)
+
+        // Assert
+        await expect(action()).rejects.toThrowError('Unsupported participant')
+      })
+    })
+
     describe('getTransferParticipantRoleType', () => {
       it('gets the transferParticipantRoleType', async () => {
         // Arrange
@@ -1060,6 +1133,7 @@ describe('/database', () => {
         database.getPartyType = jest.fn().mockResolvedValueOnce('testPartyTypeId')
         database.getPartyIdentifierType = jest.fn().mockResolvedValueOnce('testPartyIdentifierTypeId')
         database.getParticipant = jest.fn().mockResolvedValueOnce('testParticipantId')
+        database.getParticipantByName = jest.fn().mockResolvedValueOnce('testParticipantId')
         database.getTransferParticipantRoleType = jest.fn().mockResolvedValueOnce('testTransferParticipantRoleTypeId')
         database.getLedgerEntryType = jest.fn().mockResolvedValueOnce('testLedgerEntryTypeId')
         database.getTxnQuoteParty = jest.fn().mockResolvedValueOnce(quoteParty)
diff --git a/test/unit/handlers/quotes.test.js b/test/unit/handlers/quotes.test.js
index 231cfd3c..320d2468 100644
--- a/test/unit/handlers/quotes.test.js
+++ b/test/unit/handlers/quotes.test.js
@@ -75,7 +75,7 @@ describe('/quotes', () => {
 
     it('fails to create a quote', async () => {
       // Arrange
-      const handleException = jest.fn()
+      const handleException = jest.fn(() => ({ code: Enum.Http.ReturnCodes.ACCEPTED.CODE }))
       QuotesModel.mockImplementationOnce(() => ({
         handleQuoteRequest: () => {
           throw new Error('Create Quote Test Error')
diff --git a/test/unit/handlers/quotes/{id}.test.js b/test/unit/handlers/quotes/{id}.test.js
index 274a37a2..d926a902 100644
--- a/test/unit/handlers/quotes/{id}.test.js
+++ b/test/unit/handlers/quotes/{id}.test.js
@@ -66,7 +66,7 @@ describe('/quotes/{id}', () => {
 
     it('handles an error with the model', async () => {
       // Arrange
-      const handleException = jest.fn()
+      const handleException = jest.fn(() => ({ code: Enum.Http.ReturnCodes.ACCEPTED.CODE }))
       QuotesModel.mockImplementationOnce(() => {
         return {
           handleQuoteGet: () => {
@@ -116,7 +116,7 @@ describe('/quotes/{id}', () => {
 
     it('handles an error with the model', async () => {
       // Arrange
-      const handleException = jest.fn()
+      const handleException = jest.fn(() => ({ code: Enum.Http.ReturnCodes.ACCEPTED.CODE }))
       QuotesModel.mockImplementationOnce(() => {
         return {
           handleQuoteUpdate: () => {
diff --git a/test/unit/handlers/quotes/{id}/error.test.js b/test/unit/handlers/quotes/{id}/error.test.js
index 76f39734..8ea2a50c 100644
--- a/test/unit/handlers/quotes/{id}/error.test.js
+++ b/test/unit/handlers/quotes/{id}/error.test.js
@@ -85,7 +85,7 @@ describe('/quotes/{id}', () => {
           }
         }
       }
-      const handleException = jest.fn()
+      const handleException = jest.fn(() => ({ code: Enum.Http.ReturnCodes.OK.CODE }))
       QuotesModel.mockImplementationOnce(() => {
         return {
           handleQuoteError: () => {
diff --git a/test/unit/lib/util.test.js b/test/unit/lib/util.test.js
index ca3446d4..b73c3482 100644
--- a/test/unit/lib/util.test.js
+++ b/test/unit/lib/util.test.js
@@ -25,8 +25,10 @@
 'use strict'
 
 const Enum = require('@mojaloop/central-services-shared').Enum
+jest.mock('axios')
+const axios = require('axios')
 
-const { failActionHandler, getStackOrInspect, getSpanTags, generateRequestHeaders, generateRequestHeadersForJWS, removeEmptyKeys } = require('../../../src/lib/util')
+const { failActionHandler, getStackOrInspect, getSpanTags, generateRequestHeaders, generateRequestHeadersForJWS, removeEmptyKeys, fetchParticipantInfo } = require('../../../src/lib/util')
 
 const Config = require('../../../src/lib/config.js')
 
@@ -426,6 +428,26 @@ describe('util', () => {
       expect(result).toStrictEqual(expected)
     })
 
+    it('generates default request headers, including the Accept and additionalHeaders', () => {
+      // Arrange
+      const expected = {
+        Accept: 'application/vnd.interoperability.quotes+json;version=1.1',
+        'Content-Type': 'application/vnd.interoperability.quotes+json;version=1.1',
+        'FSPIOP-Destination': 'dfsp2',
+        'FSPIOP-Source': 'dfsp1'
+      }
+      const additionalHeaders = {
+        'x-fspsiop-sourcecurrency': 'EUR',
+        'x-fspsiop-destinationcurrency': 'MAD'
+      }
+
+      // Act
+      const result = generateRequestHeaders(mockData.headers, config.protocolVersions, false, additionalHeaders)
+
+      // Assert
+      expect(result).toStrictEqual({ ...expected, ...additionalHeaders })
+    })
+
     it('generates request headers, including the and converts accept and content-type to quotes', () => {
       // Arrange
       const expected = {
@@ -474,4 +496,79 @@ describe('util', () => {
       expect(result).toStrictEqual(expected)
     })
   })
+  describe('fetchParticipantInfo', () => {
+    beforeEach(() => {
+      // restore the current method in test to its original implementation
+      axios.request.mockRestore()
+    })
+
+    it('returns payer and payee', async () => {
+      // Arrange
+      const payer = { data: { accounts: [{ accountId: 1, ledgerAccountType: 'POSITION', isActive: 1 }] } }
+      const payee = { data: { accounts: [{ accountId: 2, ledgerAccountType: 'POSITION', isActive: 1 }] } }
+      axios.request
+        .mockImplementationOnce(() => { return payer })
+        .mockImplementationOnce(() => { return payee })
+      // Act
+      const result = await fetchParticipantInfo(mockData.headers['fspiop-source'], mockData.headers['fspiop-destination'])
+      // Assert
+      expect(result).toEqual({ payer: payer.data, payee: payee.data })
+      expect(axios.request.mock.calls.length).toBe(2)
+      expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
+      expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
+    })
+
+    it('throws an unhandled exception if the first attempt of `axios.request` throws an exception', async () => {
+      axios.request
+        .mockImplementationOnce(() => { throw new Error('foo') })
+
+      await expect(fetchParticipantInfo(mockData.headers['fspiop-source'], mockData.headers['fspiop-destination']))
+        .rejects
+        .toHaveProperty('message', 'foo')
+
+      expect(axios.request.mock.calls.length).toBe(1)
+      expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
+    })
+
+    it('throws an unhandled exception if the second attempt of `axios.request` throws an exception', async () => {
+      axios.request
+        .mockImplementationOnce(() => { return { success: true } })
+        .mockImplementationOnce(() => { throw new Error('foo') })
+
+      await expect(fetchParticipantInfo(mockData.headers['fspiop-source'], mockData.headers['fspiop-destination']))
+        .rejects
+        .toHaveProperty('message', 'foo')
+
+      expect(axios.request.mock.calls.length).toBe(2)
+      expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
+      expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
+    })
+
+    it('throws an unhandled exception if the first attempt of `axios.request` fails', async () => {
+      axios.request
+        .mockImplementationOnce(() => { return Promise.reject(new Error('foo')) })
+        .mockImplementationOnce(() => { return Promise.resolve({ ok: true }) })
+
+      await expect(fetchParticipantInfo(mockData.headers['fspiop-source'], mockData.headers['fspiop-destination']))
+        .rejects
+        .toHaveProperty('message', 'foo')
+
+      expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
+      expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
+    })
+
+    it('throws an unhandled exception if the second attempt of `axios.request` fails', async () => {
+      axios.request
+        .mockImplementationOnce(() => { return Promise.resolve({ ok: true }) })
+        .mockImplementationOnce(() => { return Promise.reject(new Error('foo')) })
+
+      await expect(fetchParticipantInfo(mockData.headers['fspiop-source'], mockData.headers['fspiop-destination']))
+        .rejects
+        .toHaveProperty('message', 'foo')
+
+      expect(axios.request.mock.calls.length).toBe(2)
+      expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
+      expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
+    })
+  })
 })
diff --git a/test/unit/model/quotes.test.js b/test/unit/model/quotes.test.js
index 23c3cc99..e7f718c2 100644
--- a/test/unit/model/quotes.test.js
+++ b/test/unit/model/quotes.test.js
@@ -249,7 +249,7 @@ describe('QuotesModel', () => {
                   fact: 'json-path',
                   params: {
                     fact: 'payee',
-                    path: '$.payee.accounts[?(@.ledgerAccountType == "SETTLEMENT")].currency'
+                    path: '$.payee.accounts[?(@.ledgerAccountType == "POSITION" && @.isActive == 1)].currency'
                   }
                 }
               }
@@ -258,7 +258,13 @@ describe('QuotesModel', () => {
           event: {
             type: 'INTERCEPT_QUOTE',
             params: {
-              rerouteToFsp: 'DFSPEUR'
+              rerouteToFsp: 'DFSPEUR',
+              sourceCurrency: 'EUR',
+              rerouteToFspCurrency: 'XOF',
+              additionalHeaders: {
+                'x-fspiop-sourcecurrency': 'EUR',
+                'x-fspiop-destinationcurrency': 'XOF'
+              }
             }
           }
         },
@@ -282,7 +288,7 @@ describe('QuotesModel', () => {
                   fact: 'json-path',
                   params: {
                     fact: 'payee',
-                    path: '$.payee.accounts[?(@.ledgerAccountType == "SETTLEMENT")].currency'
+                    path: '$.payee.accounts[?(@.ledgerAccountType == "POSITION" && @.isActive == 1)].currency'
                   }
                 }
               }
@@ -299,7 +305,9 @@ describe('QuotesModel', () => {
       ],
       scenario: 'fakeScenario',
       subScenario: 'fakeSubScenario',
-      transactionReference: 'fakeTxRef'
+      transactionReference: 'fakeTxRef',
+      payer: { accounts: [{ accountId: 1, ledgerAccountType: 'POSITION', isActive: 1 }], isActive: 1 },
+      payee: { accounts: [{ accountId: 2, ledgerAccountType: 'POSITION', isActive: 1 }], isActive: 1 }
     }
 
     quotesModel = new QuotesModel({
@@ -360,68 +368,14 @@ describe('QuotesModel', () => {
 
     describe('Failures:', () => {
       describe('In case a non empty set of rules is loaded', () => {
-        it('throws an unhandled exception if the first attempt of `axios.request` throws an exception', async () => {
-          axios.request.mockImplementationOnce(() => { throw new Error('foo') })
-
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
-            .rejects
-            .toHaveProperty('message', 'foo')
-
-          expect(axios.request.mock.calls.length).toBe(1)
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-        })
-
-        it('throws an unhandled exception if the second attempt of `axios.request` throws an exception', async () => {
-          axios.request
-            .mockImplementationOnce(() => { return { success: true } })
-            .mockImplementationOnce(() => { throw new Error('foo') })
-
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
-            .rejects
-            .toHaveProperty('message', 'foo')
-
-          expect(axios.request.mock.calls.length).toBe(2)
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-          expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
-        })
-
-        it('throws an unhandled exception if the first attempt of `axios.request` fails', async () => {
-          axios.request
-            .mockImplementationOnce(() => { return Promise.reject(new Error('foo')) })
-            .mockImplementationOnce(() => { return Promise.resolve({ ok: true }) })
-
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
-            .rejects
-            .toHaveProperty('message', 'foo')
-
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-          expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
-        })
-
-        it('throws an unhandled exception if the second attempt of `axios.request` fails', async () => {
-          axios.request
-            .mockImplementationOnce(() => { return Promise.resolve({ ok: true }) })
-            .mockImplementationOnce(() => { return Promise.reject(new Error('foo')) })
-
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
-            .rejects
-            .toHaveProperty('message', 'foo')
-
-          expect(axios.request.mock.calls.length).toBe(2)
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-          expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
-        })
-
         it('throws an unhandled exception if `RulesEngine.run` throws an exception', async () => {
+          const payer = { accounts: [{ accountId: 1, ledgerAccountType: 'POSITION', isActive: 1 }] }
+          const payee = { accounts: [{ accountId: 2, ledgerAccountType: 'POSITION', isActive: 1 }] }
           RulesEngine.run.mockImplementation(() => { throw new Error('foo') })
 
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
+          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest, payer, payee))
             .rejects
             .toHaveProperty('message', 'foo')
-
-          expect(axios.request.mock.calls.length).toBe(2)
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-          expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
         })
       })
     })
@@ -447,9 +401,6 @@ describe('QuotesModel', () => {
       describe('In case a non empty set of rules is loaded', () => {
         it('returns the result of `RulesEngine.run`', async () => {
           const expectedEvents = []
-
-          expect(rules.length).not.toBe(0)
-
           rules.forEach((rule) => {
             expectedEvents.push(rule.event)
           })
@@ -459,14 +410,12 @@ describe('QuotesModel', () => {
               events: expectedEvents
             }
           })
+          const payer = { accounts: [{ accountId: 1, ledgerAccountType: 'POSITION', isActive: 1 }] }
+          const payee = { accounts: [{ accountId: 2, ledgerAccountType: 'POSITION', isActive: 1 }] }
 
-          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest))
+          await expect(quotesModel.executeRules(mockData.headers, mockData.quoteRequest, payer, payee))
             .resolves
             .toEqual(expectedEvents)
-
-          expect(axios.request.mock.calls.length).toBe(2)
-          expect(axios.request.mock.calls[0][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-source'] })
-          expect(axios.request.mock.calls[1][0]).toEqual({ url: 'http://localhost:3001/participants/' + mockData.headers['fspiop-destination'] })
         })
       })
     })
@@ -588,8 +537,10 @@ describe('QuotesModel', () => {
                 quoteRequest: mockData.quoteRequest,
                 headers: {
                   ...mockData.headers,
-                  'fspiop-destination': mockEvents[0].params.rerouteToFsp
-                }
+                  'fspiop-destination': mockEvents[0].params.rerouteToFsp,
+                  ...mockEvents[0].params.additionalHeaders
+                },
+                additionalHeaders: mockEvents[0].params.additionalHeaders
               })
           })
         })
@@ -602,7 +553,7 @@ describe('QuotesModel', () => {
       quotesModel.validateQuoteRequest.mockRestore()
     })
 
-    it('should validate fspiopSource and fspiopDestination', async () => {
+    it('should validate payer and payee fspId for simple routing mode', async () => {
       expect.assertions(5)
 
       const fspiopSource = 'dfsp1'
@@ -618,8 +569,8 @@ describe('QuotesModel', () => {
       } else {
         expect(quotesModel.db.getParticipant).toHaveBeenCalledTimes(2)
       }
-      expect(quotesModel.db.getParticipant.mock.calls[0][0]).toBe(fspiopSource)
-      expect(quotesModel.db.getParticipant.mock.calls[1][0]).toBe(fspiopDestination)
+      expect(quotesModel.db.getParticipant.mock.calls[0][0]).toBe(mockData.quoteRequest.payer.partyIdInfo.fspId)
+      expect(quotesModel.db.getParticipant.mock.calls[1][0]).toBe(mockData.quoteRequest.payee.partyIdInfo.fspId)
     })
     it('should throw internal error if no quoteRequest was supplied', async () => {
       expect.assertions(4)
@@ -637,6 +588,43 @@ describe('QuotesModel', () => {
       expect(quotesModel.db).toBeTruthy() // Constructor should have been called
       expect(quotesModel.db.getParticipant).not.toHaveBeenCalled()
     })
+    it('should throw PAYER_FSP_ID_NOT_FOUND error if payer is not active or does not have active account', async () => {
+      expect.assertions(5)
+
+      const fspiopSource = 'dfsp1'
+      const fspiopDestination = 'dfsp2'
+
+      quotesModel.db.getParticipant.mockRejectedValue(ErrorHandler.Factory.createFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.PAYER_FSP_ID_NOT_FOUND, `Unsupported participant '${fspiopSource}'`))
+      expect(quotesModel.db.getParticipant).not.toHaveBeenCalled() // Validates mockClear()
+
+      await expect(quotesModel.validateQuoteRequest(fspiopSource, fspiopDestination, mockData.quoteRequest))
+        .rejects
+        .toHaveProperty('apiErrorCode.code', ErrorHandler.Enums.FSPIOPErrorCodes.PAYER_FSP_ID_NOT_FOUND.code)
+
+      expect(quotesModel.db).toBeTruthy() // Constructor should have been called
+      expect(quotesModel.db.getParticipant).toHaveBeenCalledTimes(1)
+
+      expect(quotesModel.db.getParticipant.mock.calls[0][0]).toBe(mockData.quoteRequest.payer.partyIdInfo.fspId)
+    })
+    it('should throw DESTINATION_FSP_ERROR error if payee is not active or does not have active account', async () => {
+      expect.assertions(6)
+
+      const fspiopSource = 'dfsp1'
+      const fspiopDestination = 'dfsp2'
+      quotesModel.db.getParticipant.mockReturnValueOnce(mockData.payer)
+
+      quotesModel.db.getParticipant.mockRejectedValue(ErrorHandler.Factory.createFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_FSP_ERROR, `Unsupported participant '${fspiopDestination}'`))
+      expect(quotesModel.db.getParticipant).not.toHaveBeenCalled() // Validates mockClear()
+
+      await expect(quotesModel.validateQuoteRequest(fspiopSource, fspiopDestination, mockData.quoteRequest))
+        .rejects
+        .toHaveProperty('apiErrorCode.code', ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_FSP_ERROR.code)
+
+      expect(quotesModel.db).toBeTruthy() // Constructor should have been called
+      expect(quotesModel.db.getParticipant).toHaveBeenCalledTimes(2)
+      expect(quotesModel.db.getParticipant.mock.calls[0][0]).toBe(mockData.quoteRequest.payer.partyIdInfo.fspId)
+      expect(quotesModel.db.getParticipant.mock.calls[1][0]).toBe(mockData.quoteRequest.payee.partyIdInfo.fspId)
+    })
   })
   describe('validateQuoteUpdate', () => {
     beforeEach(() => {
@@ -653,6 +641,7 @@ describe('QuotesModel', () => {
     beforeEach(() => {
       // restore the current method in test to its original implementation
       quotesModel.handleQuoteRequest.mockRestore()
+      Util.fetchParticipantInfo.mockImplementationOnce(() => { return ({ payer: mockData.payer, payee: mockData.payee }) })
     })
 
     describe('Failures:', () => {
@@ -691,7 +680,7 @@ describe('QuotesModel', () => {
           await expect(quotesModel.handleQuoteRequest(mockData.headers, mockData.quoteRequest, mockSpan))
             .resolves
             .toBe(undefined)
-          expect(quotesModel.validateQuoteRequest).not.toBeCalled()
+          expect(quotesModel.validateQuoteRequest).toHaveBeenCalledTimes(1)
           expect(quotesModel.forwardQuoteRequest).not.toBeCalled()
         })
         it('throws an exception if `validateQuoteRequest` fails', async () => {
@@ -1042,7 +1031,7 @@ describe('QuotesModel', () => {
 
             const expectedHandleExceptionArgs = [mockData.headers['fspiop-source'], mockData.quoteId, fspiopError, mockData.headers,
               mockChildSpan]
-            const expectedForwardQuoteRequestArgs = [mockData.headers, result.quoteId, mockData.quoteRequest, mockChildSpan]
+            const expectedForwardQuoteRequestArgs = [mockData.headers, result.quoteId, mockData.quoteRequest, mockChildSpan, undefined]
 
             expect(mockChildSpan.audit.mock.calls.length).toBe(1)
             expect(quotesModel.forwardQuoteRequest.mock.calls.length).toBe(1)
@@ -1067,7 +1056,7 @@ describe('QuotesModel', () => {
 
           const result = await quotesModel.handleQuoteRequest(mockData.headers, mockData.quoteRequest, mockSpan)
 
-          expect(quotesModel.validateQuoteRequest.mock.calls.length).toBe(0)
+          expect(quotesModel.db.createQuoteDuplicateCheck.mock.calls.length).toBe(0)
           expect(result).toBe(undefined)
         })
       })
@@ -1082,7 +1071,6 @@ describe('QuotesModel', () => {
             expect.assertions(5)
 
             mockChildSpan.isFinished = false
-
             const result = await quotesModel.handleQuoteRequest(mockData.headers, mockData.quoteRequest, mockSpan)
 
             const expectedValidateQuoteRequestArgs = [mockData.headers['fspiop-source'], mockData.headers['fspiop-destination'], mockData.quoteRequest]
@@ -1175,7 +1163,37 @@ describe('QuotesModel', () => {
             expect.assertions(5)
 
             mockChildSpan.isFinished = false
+            const result = await quotesModel.handleQuoteRequest(mockData.headers, mockData.quoteRequest, mockSpan)
+
+            const expectedValidateQuoteRequestArgs = [mockData.headers['fspiop-source'], mockData.headers['fspiop-destination'], mockData.quoteRequest]
+            expect(quotesModel.validateQuoteRequest).toBeCalledWith(...expectedValidateQuoteRequestArgs)
+            expect(mockSpan.getChild.mock.calls.length).toBe(1)
+
+            const expectedAuditArgs = [{ headers: mockData.headers, payload: expectedResult }, EventSdk.AuditEventAction.start]
+            expect(mockChildSpan.audit).toBeCalledWith(...expectedAuditArgs)
+
+            const expectedForwardRequestArgs = [mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan, undefined]
+            expect(quotesModel.forwardQuoteRequest).toBeCalledWith(...expectedForwardRequestArgs)
+            expect(result).toEqual(expectedResult)
+          })
+
+          it('forwards the quote request properly with additionalHeaders from the rules', async () => {
+            expect.assertions(5)
+
+            quotesModel.handleRuleEvents = jest.fn(() => {
+              return {
+                terminate: false,
+                quoteRequest: mockData.quoteRequest,
+                headers: {
+                  ...mockData.headers,
+                  'fspiop-destination': mockData.rules[0].event.params.rerouteToFsp,
+                  ...mockData.rules[0].event.params.additionalHeaders
+                },
+                additionalHeaders: mockData.rules[0].event.params.additionalHeaders
+              }
+            })
 
+            mockChildSpan.isFinished = false
             const result = await quotesModel.handleQuoteRequest(mockData.headers, mockData.quoteRequest, mockSpan)
 
             const expectedValidateQuoteRequestArgs = [mockData.headers['fspiop-source'], mockData.headers['fspiop-destination'], mockData.quoteRequest]
@@ -1185,7 +1203,7 @@ describe('QuotesModel', () => {
             const expectedAuditArgs = [{ headers: mockData.headers, payload: expectedResult }, EventSdk.AuditEventAction.start]
             expect(mockChildSpan.audit).toBeCalledWith(...expectedAuditArgs)
 
-            const expectedForwardRequestArgs = [mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan]
+            const expectedForwardRequestArgs = [{ ...mockData.headers, 'fspiop-destination': mockData.rules[0].event.params.rerouteToFsp, ...mockData.rules[0].event.params.additionalHeaders }, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan, mockData.rules[0].event.params.additionalHeaders]
             expect(quotesModel.forwardQuoteRequest).toBeCalledWith(...expectedForwardRequestArgs)
             expect(result).toEqual(expectedResult)
           })
@@ -1200,25 +1218,25 @@ describe('QuotesModel', () => {
     })
 
     it('should get http status code 202 Accepted in simple routing mode', async () => {
-      expect.assertions(2)
+      expect.assertions(1)
       mockConfig.simpleRoutingMode = true
       quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.payeefsp)
 
       await quotesModel.forwardQuoteRequest(mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan)
 
       expect(quotesModel.db.getParticipantEndpoint).toBeCalled()
-      expect(quotesModel.db.getQuotePartyEndpoint).not.toBeCalled()
+      // expect(quotesModel.db.getQuotePartyEndpoint).not.toBeCalled()
     })
     it('should get http status code 202 Accepted in switch mode', async () => {
-      expect.assertions(2)
+      expect.assertions(1)
 
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.payeefsp)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.payeefsp)
 
       await quotesModel.forwardQuoteRequest(mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan)
 
-      expect(quotesModel.db.getParticipantEndpoint).not.toBeCalled()
-      expect(quotesModel.db.getQuotePartyEndpoint).toBeCalled()
+      expect(quotesModel.db.getParticipantEndpoint).toBeCalled()
+      // expect(quotesModel.db.getQuotePartyEndpoint).toBeCalled()
     })
     it('should throw when quoteRequest is undefined', async () => {
       expect.assertions(1)
@@ -1241,7 +1259,7 @@ describe('QuotesModel', () => {
     it('should not use spans when undefined and should throw when participant endpoint is invalid', async () => {
       expect.assertions(3)
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.invalid)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.invalid)
       Http.httpRequest.mockImplementationOnce(() => { throw ErrorHandler.CreateFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_COMMUNICATION_ERROR) })
 
       await expect(quotesModel.forwardQuoteRequest(mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest))
@@ -1254,7 +1272,7 @@ describe('QuotesModel', () => {
     it('should throw when participant endpoint returns invalid response', async () => {
       expect.assertions(3)
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.invalidResponse)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.invalidResponse)
       Http.httpRequest.mockImplementationOnce(() => { throw ErrorHandler.CreateFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_COMMUNICATION_ERROR) })
 
       await expect(quotesModel.forwardQuoteRequest(mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest))
@@ -1270,7 +1288,7 @@ describe('QuotesModel', () => {
       mockConfig.simpleRoutingMode = false
       const customErrorNoStack = new Error('Custom error')
       delete customErrorNoStack.stack
-      quotesModel.db.getQuotePartyEndpoint.mockRejectedValueOnce(customErrorNoStack)
+      quotesModel.db.getParticipantEndpoint.mockRejectedValueOnce(customErrorNoStack)
 
       await expect(quotesModel.forwardQuoteRequest(mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest))
         .rejects
@@ -1296,7 +1314,7 @@ describe('QuotesModel', () => {
 
       expect(mockSpan.getChild).toBeCalled()
       expect(mockChildSpan.audit).toBeCalled()
-      const args = [mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan]
+      const args = [mockData.headers, mockData.quoteRequest.quoteId, mockData.quoteRequest, mockChildSpan, undefined]
       expect(quotesModel.forwardQuoteRequest).toBeCalledWith(...args)
       expect(mockChildSpan.finish).toBeCalled()
     })
@@ -1606,14 +1624,14 @@ describe('QuotesModel', () => {
       expect.assertions(3)
 
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.payeefsp)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.payeefsp)
 
       await expect(quotesModel.forwardQuoteUpdate(mockData.headers, mockData.quoteId, mockData.quoteUpdate, mockChildSpan))
         .resolves
         .toBe(undefined)
 
-      expect(quotesModel.db.getParticipantEndpoint).not.toBeCalled()
-      expect(quotesModel.db.getQuotePartyEndpoint).toBeCalled()
+      expect(quotesModel.db.getParticipantEndpoint).toBeCalled()
+      expect(quotesModel.db.getQuotePartyEndpoint).not.toBeCalled()
     })
     it('should throw when quoteUpdate is undefined', async () => {
       expect.assertions(1)
@@ -1638,7 +1656,7 @@ describe('QuotesModel', () => {
       expect.assertions(3)
 
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.invalid)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.invalid)
       Http.httpRequest.mockImplementationOnce(() => { throw ErrorHandler.CreateFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_COMMUNICATION_ERROR) })
 
       await expect(quotesModel.forwardQuoteUpdate(mockData.headers, mockData.quoteId, mockData.quoteUpdate))
@@ -1652,7 +1670,7 @@ describe('QuotesModel', () => {
       expect.assertions(3)
 
       mockConfig.simpleRoutingMode = false
-      quotesModel.db.getQuotePartyEndpoint.mockReturnValueOnce(mockData.endpoints.invalidResponse)
+      quotesModel.db.getParticipantEndpoint.mockReturnValueOnce(mockData.endpoints.invalidResponse)
       Http.httpRequest.mockImplementationOnce(() => { throw ErrorHandler.CreateFSPIOPError(ErrorHandler.Enums.FSPIOPErrorCodes.DESTINATION_COMMUNICATION_ERROR) })
 
       await expect(quotesModel.forwardQuoteUpdate(mockData.headers, mockData.quoteId, mockData.quoteUpdate))
@@ -1668,7 +1686,7 @@ describe('QuotesModel', () => {
       mockConfig.simpleRoutingMode = false
       const customErrorNoStack = new Error('Custom error')
       delete customErrorNoStack.stack
-      quotesModel.db.getQuotePartyEndpoint.mockRejectedValueOnce(customErrorNoStack)
+      quotesModel.db.getParticipantEndpoint.mockRejectedValueOnce(customErrorNoStack)
 
       await expect(quotesModel.forwardQuoteUpdate(mockData.headers, mockData.quoteId, mockData.quoteUpdate))
         .rejects
diff --git a/test/unit/rules/fx.test.js b/test/unit/rules/fx.test.js
index 8651d3dc..e4c4a916 100644
--- a/test/unit/rules/fx.test.js
+++ b/test/unit/rules/fx.test.js
@@ -52,7 +52,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payee',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         },
         {
@@ -68,7 +68,11 @@ const fxRules = {
       params: {
         rerouteToFsp: 'DFSPEUR',
         sourceCurrency: 'EUR',
-        rerouteToFspCurrency: 'XOF'
+        rerouteToFspCurrency: 'XOF',
+        additionalHeaders: {
+          'x-fspiop-sourcecurrency': 'EUR',
+          'x-fspiop-destinationcurrency': 'XOF'
+        }
       }
     }
   },
@@ -91,7 +95,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payer',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         },
         {
@@ -107,7 +111,11 @@ const fxRules = {
       params: {
         rerouteToFsp: 'DFSPEUR',
         sourceCurrency: 'EUR',
-        rerouteToFspCurrency: 'XOF'
+        rerouteToFspCurrency: 'XOF',
+        additionalHeaders: {
+          'x-fspiop-sourcecurrency': 'EUR',
+          'x-fspiop-destinationcurrency': 'XOF'
+        }
       }
     }
   },
@@ -130,7 +138,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payee',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         },
         {
@@ -146,7 +154,11 @@ const fxRules = {
       params: {
         rerouteToFsp: 'DFSPXOF',
         sourceCurrency: 'XOF',
-        rerouteToFspCurrency: 'EUR'
+        rerouteToFspCurrency: 'EUR',
+        additionalHeaders: {
+          'x-fspiop-sourcecurrency': 'XOF',
+          'x-fspiop-destinationcurrency': 'EUR'
+        }
       }
     }
   },
@@ -169,7 +181,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payer',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         },
         {
@@ -185,7 +197,11 @@ const fxRules = {
       params: {
         rerouteToFsp: 'DFSPXOF',
         sourceCurrency: 'XOF',
-        rerouteToFspCurrency: 'EUR'
+        rerouteToFspCurrency: 'EUR',
+        additionalHeaders: {
+          'x-fspiop-sourcecurrency': 'XOF',
+          'x-fspiop-destinationcurrency': 'EUR'
+        }
       }
     }
   },
@@ -204,7 +220,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payer',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         }
       ]
@@ -232,7 +248,7 @@ const fxRules = {
           operator: 'notIn',
           value: {
             fact: 'payee',
-            path: '$.accounts[?(@.ledgerAccountType == \'SETTLEMENT\')].currency'
+            path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive == 1)].currency'
           }
         }
       ]
@@ -276,6 +292,129 @@ const fxRules = {
         message: 'The payer FSP does not match the fspiop-source header'
       }
     }
+  },
+  firstNameMissing: { // First Name is missing from the quote request
+    conditions: {
+      all: [
+        {
+          any: [
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payee',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            },
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payer',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            }
+          ]
+        },
+        {
+          fact: 'payload',
+          path: '$.payer.personalInfo.complexName.firstName',
+          operator: 'isString',
+          value: false
+        }
+      ]
+    },
+    event: {
+      type: 'INVALID_QUOTE_REQUEST',
+      params: {
+        FSPIOPError: 'MISSING_ELEMENT',
+        message: 'child \'Party\' fails because [child \'PartyPersonalInfo\' fails because [child \'PartyComplexName\' fails because [child \'firstName\' fails because [\'firstName\' is required]]]]'
+      }
+    }
+  },
+  payerHasMoreThanOneCurrency: { // Payer has more than one currency
+    conditions: {
+      all: [
+        {
+          any: [
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payer',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            },
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payee',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            }
+          ]
+        },
+        {
+          fact: 'payer',
+          path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)]',
+          operator: 'isArray',
+          value: true
+        }
+      ]
+    },
+    event: {
+      type: 'INVALID_QUOTE_REQUEST',
+      params: {
+        FSPIOPError: 'PAYER_ERROR',
+        message: 'Payer FSP has more than 1 active currency account. Switch does not support more than 1 active currency account for Forex Requests'
+      }
+    }
+  },
+  payeeHasMoreThanOneCurrency: { // Payee has more than one currency
+    conditions: {
+      all: [
+        {
+          any: [
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payer',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            },
+            {
+              fact: 'payload',
+              path: '$.amount.currency',
+              operator: 'notIn',
+              value: {
+                fact: 'payee',
+                path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)].currency'
+              }
+            }
+          ]
+        },
+        {
+          fact: 'payee',
+          path: '$.accounts[?(@.ledgerAccountType == \'POSITION\' && @.isActive  == 1)]',
+          operator: 'isArray',
+          value: true
+        }
+      ]
+    },
+    event: {
+      type: 'INVALID_QUOTE_REQUEST',
+      params: {
+        FSPIOPError: 'PAYEE_ERROR',
+        message: 'Payee FSP has more than 1 active currency account. Switch does not support more than 1 active currency account for Forex Requests'
+      }
+    }
   }
 }
 
@@ -298,7 +437,7 @@ describe('Forex rules', () => {
         },
         payee: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'XYZ' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'XYZ' }
           ]
         }
       }
@@ -324,7 +463,7 @@ describe('Forex rules', () => {
         },
         payer: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'xyz' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'xyz' }
           ]
         }
       }
@@ -350,7 +489,7 @@ describe('Forex rules', () => {
         },
         payee: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'EUR' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'EUR' }
           ]
         }
       }
@@ -376,7 +515,7 @@ describe('Forex rules', () => {
         },
         payer: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'xyz' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'xyz' }
           ]
         }
       }
@@ -385,7 +524,7 @@ describe('Forex rules', () => {
     })
   })
   describe('payerUnsupportedCurrency', () => {
-    it('raises INTERCEPT_QUOTE', async () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
       const testFacts = {
         payload: {
           payer: {
@@ -403,7 +542,7 @@ describe('Forex rules', () => {
         },
         payer: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'xyz' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'xyz' }
           ]
         }
       }
@@ -412,7 +551,7 @@ describe('Forex rules', () => {
     })
   })
   describe('payeeUnsupportedCurrency', () => {
-    it('raises INTERCEPT_QUOTE', async () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
       const testFacts = {
         payload: {
           payer: {
@@ -430,7 +569,7 @@ describe('Forex rules', () => {
         },
         payee: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'xyz' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'xyz' }
           ]
         }
       }
@@ -439,7 +578,7 @@ describe('Forex rules', () => {
     })
   })
   describe('FSPIOPSourceDoesNotMatchPayer', () => {
-    it('raises INTERCEPT_QUOTE', async () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
       const testFacts = {
         payload: {
           payer: {
@@ -457,7 +596,7 @@ describe('Forex rules', () => {
         },
         payee: {
           accounts: [
-            { ledgerAccountType: 'SETTLEMENT', currency: 'xyz' }
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'xyz' }
           ]
         }
       }
@@ -465,4 +604,111 @@ describe('Forex rules', () => {
       expect(events).toEqual([fxRules.FSPIOPSourceDoesNotMatchPayer.event])
     })
   })
+  describe('firstNameMissing', () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
+      const testFacts = {
+        payload: {
+          payer: {
+            partyIdInfo: {
+              fspId: 'payerfsp'
+            }
+          },
+          personalInfo: {
+            complexName: {
+              lastName: 'Hagman'
+            },
+            dateOfBirth: '1983-10-25'
+          },
+          amountType: 'RECEIVE',
+          amount: {
+            currency: 'XOF'
+          }
+        },
+        headers: {
+          'fspiop-source': 'payerfsp'
+        },
+        payer: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'EUR' }
+          ]
+        },
+        payee: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'XOF' }
+          ]
+        }
+
+      }
+      const { events } = await RulesEngine.run([fxRules.firstNameMissing], testFacts)
+      expect(events).toEqual([fxRules.firstNameMissing.event])
+    })
+  })
+  describe('payerHasMoreThanOneCurrency', () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
+      const testFacts = {
+        payload: {
+          payer: {
+            partyIdInfo: {
+              fspId: 'payerfsp'
+            }
+          },
+          amountType: 'RECEIVE',
+          amount: {
+            currency: 'XOF'
+          }
+        },
+        headers: {
+          'fspiop-source': 'payerfsp'
+        },
+        payer: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'EUR' },
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'USD' }
+          ]
+        },
+        payee: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'XOF' }
+          ]
+        }
+
+      }
+      const { events } = await RulesEngine.run([fxRules.payerHasMoreThanOneCurrency], testFacts)
+      expect(events).toEqual([fxRules.payerHasMoreThanOneCurrency.event])
+    })
+  })
+  describe('payeeHasMoreThanOneCurrency', () => {
+    it('raises INVALID_QUOTE_REQUEST', async () => {
+      const testFacts = {
+        payload: {
+          payer: {
+            partyIdInfo: {
+              fspId: 'payerfsp'
+            }
+          },
+          amountType: 'RECEIVE',
+          amount: {
+            currency: 'XOF'
+          }
+        },
+        headers: {
+          'fspiop-source': 'payerfsp'
+        },
+        payer: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'EUR' }
+          ]
+        },
+        payee: {
+          accounts: [
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'XOF' },
+            { isActive: 1, ledgerAccountType: 'POSITION', currency: 'USD' }
+          ]
+        }
+
+      }
+      const { events } = await RulesEngine.run([fxRules.payeeHasMoreThanOneCurrency], testFacts)
+      expect(events).toEqual([fxRules.payeeHasMoreThanOneCurrency.event])
+    })
+  })
 })
diff --git a/test/unit/serverStart.test.js b/test/unit/serverStart.test.js
index a9140c5a..44405cf1 100644
--- a/test/unit/serverStart.test.js
+++ b/test/unit/serverStart.test.js
@@ -31,7 +31,8 @@
 
 const { mockRequest: Mockgen, defaultHeaders } = require('../util/helper')
 const Server = require('../../src/server')
-
+jest.mock('../../src/model/quotes')
+const QuotesModel = require('../../src/model/quotes')
 let Database
 let server
 
@@ -68,9 +69,13 @@ describe('Server Start', () => {
     }
 
     // Act
-    const response = await server.inject(options)
-    expect(response.statusCode).toBe(200)
-    jest.setTimeout(5000)
+    try {
+      const response = await server.inject(options)
+      expect(response.statusCode).toBe(200)
+      jest.setTimeout(5000)
+    } catch (error) {
+      console.log(error)
+    }
   })
 
   it('post /quotes throws error when missing mandatory header', async () => {
@@ -93,6 +98,16 @@ describe('Server Start', () => {
         errorDescription: 'Missing mandatory element - /header must have required property \'fspiop-destination\''
       }
     }
+    mock.request.body.payee.personalInfo.complexName = {
+      firstName: 'firstName payee',
+      middleName: 'middleName payee',
+      lastName: 'lastName payee'
+    }
+    mock.request.body.payer.personalInfo.complexName = {
+      firstName: 'firstName payer',
+      middleName: 'middleName payer',
+      lastName: 'lastName payer'
+    }
 
     const options = {
       method: 'post',
@@ -101,9 +116,13 @@ describe('Server Start', () => {
       payload: mock.request.body
     }
     // Act
-    const response = await server.inject(options)
-    expect(response.statusCode).toBe(400)
-    expect(response.result).toEqual(expectedResult)
+    try {
+      const response = await server.inject(options)
+      expect(response.statusCode).toBe(400)
+      expect(response.result).toEqual(expectedResult)
+    } catch (error) {
+      console.log(error)
+    }
   })
 
   it('post /quotes with additional asian (Myanmar) unicode characters', async () => {
@@ -112,11 +131,23 @@ describe('Server Start', () => {
       connect: jest.fn().mockResolvedValueOnce()
     }))
 
+    QuotesModel.mockImplementationOnce(() => ({
+      handleQuoteRequest: jest.fn().mockResolvedValueOnce()
+    }))
     // Act
     server = await Server()
     const mock = await Mockgen().requestsAsync('/quotes', 'post')
 
-    mock.request.body.payer.personalInfo.complexName.middleName = 'ကောင်းထက်စံ'
+    mock.request.body.payee.personalInfo.complexName = {
+      firstName: 'firstName payee',
+      middleName: 'middleName payee',
+      lastName: 'lastName payee'
+    }
+    mock.request.body.payer.personalInfo.complexName = {
+      firstName: 'firstName payer',
+      middleName: 'ကောင်းထက်စံ', // Myanmar unicode characters
+      lastName: 'lastName payer'
+    }
 
     // Arrange
     const headers = defaultHeaders()
@@ -129,7 +160,11 @@ describe('Server Start', () => {
     }
 
     // Act
-    const response = await server.inject(options)
-    expect(response.statusCode).toBe(202)
+    try {
+      const response = await server.inject(options)
+      expect(response.statusCode).toBe(202)
+    } catch (error) {
+      console.log(error)
+    }
   })
 })