diff --git a/src/app/core/pricing/services/fx-quote-api.gateway.ts b/src/app/core/pricing/services/fx-quote-api.gateway.ts
new file mode 100644
index 0000000..1c1fa28
--- /dev/null
+++ b/src/app/core/pricing/services/fx-quote-api.gateway.ts
@@ -0,0 +1,23 @@
+import { HttpClient, HttpParams } from '@angular/common/http';
+import { Injectable, inject } from '@angular/core';
+import { Observable } from 'rxjs';
+import { FxQuote } from '../models/fx-quote.model';
+import { FxQuoteGateway } from './fx-quote-gateway.interface';
+
+/**
+ * Real FX gateway. Contract: docs/backend/PHASE-1-MONEY-FX-PAYMENTS-CONTRACT.md §3.1.
+ *
+ * Deliberately thin: no caching, no retry logic here. TTL/expiry handling is
+ * the caller's job (isFxQuoteExpired), because the caller decides what to do
+ * with an expired quote (re-fetch vs block checkout) - baking a policy into
+ * the gateway would hide that decision.
+ */
+@Injectable({ providedIn: 'root' })
+export class FxQuoteApiGateway implements FxQuoteGateway {
+  private readonly http = inject(HttpClient);
+
+  getQuote(base: string, quote: string): Observable<FxQuote> {
+    const params = new HttpParams().set('base', base).set('quote', quote);
+    return this.http.get<FxQuote>('/api/v2/pricing/fx-quote', { params });
+  }
+}
diff --git a/src/app/core/pricing/services/fx-quote-gateway.token.ts b/src/app/core/pricing/services/fx-quote-gateway.token.ts
index 0fc131b..6336fc9 100644
--- a/src/app/core/pricing/services/fx-quote-gateway.token.ts
+++ b/src/app/core/pricing/services/fx-quote-gateway.token.ts
@@ -1,9 +1,11 @@
 import { InjectionToken, inject } from '@angular/core';
+import { environment } from '../../../../environments/environment';
 import { FxQuoteGateway } from './fx-quote-gateway.interface';
 import { FxQuoteLocalGateway } from './fx-quote-local.gateway';
+import { FxQuoteApiGateway } from './fx-quote-api.gateway';
 
-/** Swap point for the real FX backend from docs/backend/PHASE-1-MONEY-FX-PAYMENTS-CONTRACT.md §3.1. */
+/** Swap point for docs/backend/PHASE-1-MONEY-FX-PAYMENTS-CONTRACT.md §3.1. */
 export const FX_QUOTE_GATEWAY = new InjectionToken<FxQuoteGateway>('FX_QUOTE_GATEWAY', {
   providedIn: 'root',
-  factory: () => inject(FxQuoteLocalGateway),
+  factory: () => (environment.useMockData ? inject(FxQuoteLocalGateway) : inject(FxQuoteApiGateway)),
 });