Create recipient

Create recipient

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --header 'X-Idempotency-Key: <x-idempotency-key>' \
  --data '
{
  "type": "<string>",
  "customer_id": "<string>",
  "bank_account": {
    "bank_account.account_number": "<string>",
    "bank_account.bank_code": "<string>",
    "bank_account.account_name": "<string>"
  },
  "crypto_address": {
    "crypto_address.asset": "<string>",
    "crypto_address.chain": "<string>",
    "crypto_address.address": "<string>"
  },
  "us_bank_account": {
    "us_bank_account.account_owner_name": "<string>",
    "us_bank_account.account_number": "<string>",
    "us_bank_account.routing_number": "<string>",
    "us_bank_account.bank_name": "<string>",
    "us_bank_account.account_type": "<string>",
    "us_bank_account.payout_scheme": "<string>",
    "us_bank_account.address": {
      "us_bank_account.address.street_line_1": "<string>",
      "us_bank_account.address.street_line_2": "<string>",
      "us_bank_account.address.city": "<string>",
      "us_bank_account.address.state": "<string>",
      "us_bank_account.address.postal_code": "<string>",
      "us_bank_account.address.country": "<string>"
    }
  },
  "swift_bank_account": {
    "swift_bank_account.account_owner_name": "<string>",
    "swift_bank_account.account_owner_type": "<string>",
    "swift_bank_account.account_country": "<string>",
    "swift_bank_account.iban": "<string>",
    "swift_bank_account.bic": "<string>",
    "swift_bank_account.bank_name": "<string>",
    "swift_bank_account.first_name": "<string>",
    "swift_bank_account.last_name": "<string>",
    "swift_bank_account.business_name": "<string>",
    "swift_bank_account.category": "<string>",
    "swift_bank_account.purpose_of_funds": [
      {}
    ],
    "swift_bank_account.short_business_description": "<string>",
    "swift_bank_account.address": {
      "swift_bank_account.address.street_line_1": "<string>",
      "swift_bank_account.address.street_line_2": "<string>",
      "swift_bank_account.address.city": "<string>",
      "swift_bank_account.address.state": "<string>",
      "swift_bank_account.address.postal_code": "<string>",
      "swift_bank_account.address.country": "<string>"
    },
    "swift_bank_account.bank_address": {}
  }
}
'

import requests

url = "https://api.daya.co/v1/recipients"

payload = {
    "type": "<string>",
    "customer_id": "<string>",
    "bank_account": {
        "bank_account.account_number": "<string>",
        "bank_account.bank_code": "<string>",
        "bank_account.account_name": "<string>"
    },
    "crypto_address": {
        "crypto_address.asset": "<string>",
        "crypto_address.chain": "<string>",
        "crypto_address.address": "<string>"
    },
    "us_bank_account": {
        "us_bank_account.account_owner_name": "<string>",
        "us_bank_account.account_number": "<string>",
        "us_bank_account.routing_number": "<string>",
        "us_bank_account.bank_name": "<string>",
        "us_bank_account.account_type": "<string>",
        "us_bank_account.payout_scheme": "<string>",
        "us_bank_account.address": {
            "us_bank_account.address.street_line_1": "<string>",
            "us_bank_account.address.street_line_2": "<string>",
            "us_bank_account.address.city": "<string>",
            "us_bank_account.address.state": "<string>",
            "us_bank_account.address.postal_code": "<string>",
            "us_bank_account.address.country": "<string>"
        }
    },
    "swift_bank_account": {
        "swift_bank_account.account_owner_name": "<string>",
        "swift_bank_account.account_owner_type": "<string>",
        "swift_bank_account.account_country": "<string>",
        "swift_bank_account.iban": "<string>",
        "swift_bank_account.bic": "<string>",
        "swift_bank_account.bank_name": "<string>",
        "swift_bank_account.first_name": "<string>",
        "swift_bank_account.last_name": "<string>",
        "swift_bank_account.business_name": "<string>",
        "swift_bank_account.category": "<string>",
        "swift_bank_account.purpose_of_funds": [{}],
        "swift_bank_account.short_business_description": "<string>",
        "swift_bank_account.address": {
            "swift_bank_account.address.street_line_1": "<string>",
            "swift_bank_account.address.street_line_2": "<string>",
            "swift_bank_account.address.city": "<string>",
            "swift_bank_account.address.state": "<string>",
            "swift_bank_account.address.postal_code": "<string>",
            "swift_bank_account.address.country": "<string>"
        },
        "swift_bank_account.bank_address": {}
    }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "X-Idempotency-Key": "<x-idempotency-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Api-Key': '<x-api-key>',
    'X-Idempotency-Key': '<x-idempotency-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    type: '<string>',
    customer_id: '<string>',
    bank_account: {
      'bank_account.account_number': '<string>',
      'bank_account.bank_code': '<string>',
      'bank_account.account_name': '<string>'
    },
    crypto_address: {
      'crypto_address.asset': '<string>',
      'crypto_address.chain': '<string>',
      'crypto_address.address': '<string>'
    },
    us_bank_account: {
      'us_bank_account.account_owner_name': '<string>',
      'us_bank_account.account_number': '<string>',
      'us_bank_account.routing_number': '<string>',
      'us_bank_account.bank_name': '<string>',
      'us_bank_account.account_type': '<string>',
      'us_bank_account.payout_scheme': '<string>',
      'us_bank_account.address': {
        'us_bank_account.address.street_line_1': '<string>',
        'us_bank_account.address.street_line_2': '<string>',
        'us_bank_account.address.city': '<string>',
        'us_bank_account.address.state': '<string>',
        'us_bank_account.address.postal_code': '<string>',
        'us_bank_account.address.country': '<string>'
      }
    },
    swift_bank_account: {
      'swift_bank_account.account_owner_name': '<string>',
      'swift_bank_account.account_owner_type': '<string>',
      'swift_bank_account.account_country': '<string>',
      'swift_bank_account.iban': '<string>',
      'swift_bank_account.bic': '<string>',
      'swift_bank_account.bank_name': '<string>',
      'swift_bank_account.first_name': '<string>',
      'swift_bank_account.last_name': '<string>',
      'swift_bank_account.business_name': '<string>',
      'swift_bank_account.category': '<string>',
      'swift_bank_account.purpose_of_funds': [{}],
      'swift_bank_account.short_business_description': '<string>',
      'swift_bank_account.address': {
        'swift_bank_account.address.street_line_1': '<string>',
        'swift_bank_account.address.street_line_2': '<string>',
        'swift_bank_account.address.city': '<string>',
        'swift_bank_account.address.state': '<string>',
        'swift_bank_account.address.postal_code': '<string>',
        'swift_bank_account.address.country': '<string>'
      },
      'swift_bank_account.bank_address': {}
    }
  })
};

fetch('https://api.daya.co/v1/recipients', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/recipients",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'type' => '<string>',
    'customer_id' => '<string>',
    'bank_account' => [
        'bank_account.account_number' => '<string>',
        'bank_account.bank_code' => '<string>',
        'bank_account.account_name' => '<string>'
    ],
    'crypto_address' => [
        'crypto_address.asset' => '<string>',
        'crypto_address.chain' => '<string>',
        'crypto_address.address' => '<string>'
    ],
    'us_bank_account' => [
        'us_bank_account.account_owner_name' => '<string>',
        'us_bank_account.account_number' => '<string>',
        'us_bank_account.routing_number' => '<string>',
        'us_bank_account.bank_name' => '<string>',
        'us_bank_account.account_type' => '<string>',
        'us_bank_account.payout_scheme' => '<string>',
        'us_bank_account.address' => [
                'us_bank_account.address.street_line_1' => '<string>',
                'us_bank_account.address.street_line_2' => '<string>',
                'us_bank_account.address.city' => '<string>',
                'us_bank_account.address.state' => '<string>',
                'us_bank_account.address.postal_code' => '<string>',
                'us_bank_account.address.country' => '<string>'
        ]
    ],
    'swift_bank_account' => [
        'swift_bank_account.account_owner_name' => '<string>',
        'swift_bank_account.account_owner_type' => '<string>',
        'swift_bank_account.account_country' => '<string>',
        'swift_bank_account.iban' => '<string>',
        'swift_bank_account.bic' => '<string>',
        'swift_bank_account.bank_name' => '<string>',
        'swift_bank_account.first_name' => '<string>',
        'swift_bank_account.last_name' => '<string>',
        'swift_bank_account.business_name' => '<string>',
        'swift_bank_account.category' => '<string>',
        'swift_bank_account.purpose_of_funds' => [
                [
                                
                ]
        ],
        'swift_bank_account.short_business_description' => '<string>',
        'swift_bank_account.address' => [
                'swift_bank_account.address.street_line_1' => '<string>',
                'swift_bank_account.address.street_line_2' => '<string>',
                'swift_bank_account.address.city' => '<string>',
                'swift_bank_account.address.state' => '<string>',
                'swift_bank_account.address.postal_code' => '<string>',
                'swift_bank_account.address.country' => '<string>'
        ],
        'swift_bank_account.bank_address' => [
                
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>",
    "X-Idempotency-Key: <x-idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/recipients"

	payload := strings.NewReader("{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("X-Idempotency-Key", "<x-idempotency-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/recipients")
  .header("X-Api-Key", "<x-api-key>")
  .header("X-Idempotency-Key", "<x-idempotency-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/recipients")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["X-Idempotency-Key"] = '<x-idempotency-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "750e8400-e29b-41d4-a716-446655440000",
  "type": "BANK_ACCOUNT",
  "first_name": "John",
  "last_name": "Doe",
  "bank_account": {
    "account_number": "1234567890",
    "account_name": "John Doe",
    "bank_code": "044",
    "bank_name": "Access Bank"
  },
  "crypto_address": null,
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "type": "CRYPTO_ADDRESS",
  "first_name": null,
  "last_name": null,
  "bank_account": null,
  "crypto_address": {
    "asset": "USDC",
    "chain": "BASE",
    "address": "0x1234567890abcdef1234567890abcdef12345678"
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "type": "US_BANK_ACCOUNT",
  "first_name": "Jane",
  "last_name": "Smith",
  "us_bank_account": {
    "account_owner_name": "Jane Smith",
    "account_number_last4": "6789",
    "routing_number": "021000021",
    "bank_name": "Chase",
    "account_type": "checking",
    "payout_scheme": "ach",
    "address": {
      "street_line_1": "123 Main St",
      "city": "New York",
      "state": "NY",
      "postal_code": "10001",
      "country": "USA"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "a50e8400-e29b-41d4-a716-446655440000",
  "type": "SWIFT_BANK_ACCOUNT",
  "first_name": "Hans",
  "last_name": "Mueller",
  "swift_bank_account": {
    "account_owner_name": "Hans Mueller",
    "account_owner_type": "individual",
    "first_name": "Hans",
    "last_name": "Mueller",
    "account_country": "DEU",
    "iban_last4": "3000",
    "bic": "COBADEFFXXX",
    "bank_name": "Commerzbank",
    "category": "client",
    "purpose_of_funds": ["personal_or_living_expenses"],
    "short_business_description": "Personal account for living expenses",
    "address": {
      "street_line_1": "Kaiserstrasse 16",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    },
    "bank_address": {
      "street_line_1": "Kaiserplatz",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

POST

recipients

Create recipient

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --header 'X-Idempotency-Key: <x-idempotency-key>' \
  --data '
{
  "type": "<string>",
  "customer_id": "<string>",
  "bank_account": {
    "bank_account.account_number": "<string>",
    "bank_account.bank_code": "<string>",
    "bank_account.account_name": "<string>"
  },
  "crypto_address": {
    "crypto_address.asset": "<string>",
    "crypto_address.chain": "<string>",
    "crypto_address.address": "<string>"
  },
  "us_bank_account": {
    "us_bank_account.account_owner_name": "<string>",
    "us_bank_account.account_number": "<string>",
    "us_bank_account.routing_number": "<string>",
    "us_bank_account.bank_name": "<string>",
    "us_bank_account.account_type": "<string>",
    "us_bank_account.payout_scheme": "<string>",
    "us_bank_account.address": {
      "us_bank_account.address.street_line_1": "<string>",
      "us_bank_account.address.street_line_2": "<string>",
      "us_bank_account.address.city": "<string>",
      "us_bank_account.address.state": "<string>",
      "us_bank_account.address.postal_code": "<string>",
      "us_bank_account.address.country": "<string>"
    }
  },
  "swift_bank_account": {
    "swift_bank_account.account_owner_name": "<string>",
    "swift_bank_account.account_owner_type": "<string>",
    "swift_bank_account.account_country": "<string>",
    "swift_bank_account.iban": "<string>",
    "swift_bank_account.bic": "<string>",
    "swift_bank_account.bank_name": "<string>",
    "swift_bank_account.first_name": "<string>",
    "swift_bank_account.last_name": "<string>",
    "swift_bank_account.business_name": "<string>",
    "swift_bank_account.category": "<string>",
    "swift_bank_account.purpose_of_funds": [
      {}
    ],
    "swift_bank_account.short_business_description": "<string>",
    "swift_bank_account.address": {
      "swift_bank_account.address.street_line_1": "<string>",
      "swift_bank_account.address.street_line_2": "<string>",
      "swift_bank_account.address.city": "<string>",
      "swift_bank_account.address.state": "<string>",
      "swift_bank_account.address.postal_code": "<string>",
      "swift_bank_account.address.country": "<string>"
    },
    "swift_bank_account.bank_address": {}
  }
}
'

import requests

url = "https://api.daya.co/v1/recipients"

payload = {
    "type": "<string>",
    "customer_id": "<string>",
    "bank_account": {
        "bank_account.account_number": "<string>",
        "bank_account.bank_code": "<string>",
        "bank_account.account_name": "<string>"
    },
    "crypto_address": {
        "crypto_address.asset": "<string>",
        "crypto_address.chain": "<string>",
        "crypto_address.address": "<string>"
    },
    "us_bank_account": {
        "us_bank_account.account_owner_name": "<string>",
        "us_bank_account.account_number": "<string>",
        "us_bank_account.routing_number": "<string>",
        "us_bank_account.bank_name": "<string>",
        "us_bank_account.account_type": "<string>",
        "us_bank_account.payout_scheme": "<string>",
        "us_bank_account.address": {
            "us_bank_account.address.street_line_1": "<string>",
            "us_bank_account.address.street_line_2": "<string>",
            "us_bank_account.address.city": "<string>",
            "us_bank_account.address.state": "<string>",
            "us_bank_account.address.postal_code": "<string>",
            "us_bank_account.address.country": "<string>"
        }
    },
    "swift_bank_account": {
        "swift_bank_account.account_owner_name": "<string>",
        "swift_bank_account.account_owner_type": "<string>",
        "swift_bank_account.account_country": "<string>",
        "swift_bank_account.iban": "<string>",
        "swift_bank_account.bic": "<string>",
        "swift_bank_account.bank_name": "<string>",
        "swift_bank_account.first_name": "<string>",
        "swift_bank_account.last_name": "<string>",
        "swift_bank_account.business_name": "<string>",
        "swift_bank_account.category": "<string>",
        "swift_bank_account.purpose_of_funds": [{}],
        "swift_bank_account.short_business_description": "<string>",
        "swift_bank_account.address": {
            "swift_bank_account.address.street_line_1": "<string>",
            "swift_bank_account.address.street_line_2": "<string>",
            "swift_bank_account.address.city": "<string>",
            "swift_bank_account.address.state": "<string>",
            "swift_bank_account.address.postal_code": "<string>",
            "swift_bank_account.address.country": "<string>"
        },
        "swift_bank_account.bank_address": {}
    }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "X-Idempotency-Key": "<x-idempotency-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Api-Key': '<x-api-key>',
    'X-Idempotency-Key': '<x-idempotency-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    type: '<string>',
    customer_id: '<string>',
    bank_account: {
      'bank_account.account_number': '<string>',
      'bank_account.bank_code': '<string>',
      'bank_account.account_name': '<string>'
    },
    crypto_address: {
      'crypto_address.asset': '<string>',
      'crypto_address.chain': '<string>',
      'crypto_address.address': '<string>'
    },
    us_bank_account: {
      'us_bank_account.account_owner_name': '<string>',
      'us_bank_account.account_number': '<string>',
      'us_bank_account.routing_number': '<string>',
      'us_bank_account.bank_name': '<string>',
      'us_bank_account.account_type': '<string>',
      'us_bank_account.payout_scheme': '<string>',
      'us_bank_account.address': {
        'us_bank_account.address.street_line_1': '<string>',
        'us_bank_account.address.street_line_2': '<string>',
        'us_bank_account.address.city': '<string>',
        'us_bank_account.address.state': '<string>',
        'us_bank_account.address.postal_code': '<string>',
        'us_bank_account.address.country': '<string>'
      }
    },
    swift_bank_account: {
      'swift_bank_account.account_owner_name': '<string>',
      'swift_bank_account.account_owner_type': '<string>',
      'swift_bank_account.account_country': '<string>',
      'swift_bank_account.iban': '<string>',
      'swift_bank_account.bic': '<string>',
      'swift_bank_account.bank_name': '<string>',
      'swift_bank_account.first_name': '<string>',
      'swift_bank_account.last_name': '<string>',
      'swift_bank_account.business_name': '<string>',
      'swift_bank_account.category': '<string>',
      'swift_bank_account.purpose_of_funds': [{}],
      'swift_bank_account.short_business_description': '<string>',
      'swift_bank_account.address': {
        'swift_bank_account.address.street_line_1': '<string>',
        'swift_bank_account.address.street_line_2': '<string>',
        'swift_bank_account.address.city': '<string>',
        'swift_bank_account.address.state': '<string>',
        'swift_bank_account.address.postal_code': '<string>',
        'swift_bank_account.address.country': '<string>'
      },
      'swift_bank_account.bank_address': {}
    }
  })
};

fetch('https://api.daya.co/v1/recipients', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/recipients",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'type' => '<string>',
    'customer_id' => '<string>',
    'bank_account' => [
        'bank_account.account_number' => '<string>',
        'bank_account.bank_code' => '<string>',
        'bank_account.account_name' => '<string>'
    ],
    'crypto_address' => [
        'crypto_address.asset' => '<string>',
        'crypto_address.chain' => '<string>',
        'crypto_address.address' => '<string>'
    ],
    'us_bank_account' => [
        'us_bank_account.account_owner_name' => '<string>',
        'us_bank_account.account_number' => '<string>',
        'us_bank_account.routing_number' => '<string>',
        'us_bank_account.bank_name' => '<string>',
        'us_bank_account.account_type' => '<string>',
        'us_bank_account.payout_scheme' => '<string>',
        'us_bank_account.address' => [
                'us_bank_account.address.street_line_1' => '<string>',
                'us_bank_account.address.street_line_2' => '<string>',
                'us_bank_account.address.city' => '<string>',
                'us_bank_account.address.state' => '<string>',
                'us_bank_account.address.postal_code' => '<string>',
                'us_bank_account.address.country' => '<string>'
        ]
    ],
    'swift_bank_account' => [
        'swift_bank_account.account_owner_name' => '<string>',
        'swift_bank_account.account_owner_type' => '<string>',
        'swift_bank_account.account_country' => '<string>',
        'swift_bank_account.iban' => '<string>',
        'swift_bank_account.bic' => '<string>',
        'swift_bank_account.bank_name' => '<string>',
        'swift_bank_account.first_name' => '<string>',
        'swift_bank_account.last_name' => '<string>',
        'swift_bank_account.business_name' => '<string>',
        'swift_bank_account.category' => '<string>',
        'swift_bank_account.purpose_of_funds' => [
                [
                                
                ]
        ],
        'swift_bank_account.short_business_description' => '<string>',
        'swift_bank_account.address' => [
                'swift_bank_account.address.street_line_1' => '<string>',
                'swift_bank_account.address.street_line_2' => '<string>',
                'swift_bank_account.address.city' => '<string>',
                'swift_bank_account.address.state' => '<string>',
                'swift_bank_account.address.postal_code' => '<string>',
                'swift_bank_account.address.country' => '<string>'
        ],
        'swift_bank_account.bank_address' => [
                
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>",
    "X-Idempotency-Key: <x-idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/recipients"

	payload := strings.NewReader("{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("X-Idempotency-Key", "<x-idempotency-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.daya.co/v1/recipients")
  .header("X-Api-Key", "<x-api-key>")
  .header("X-Idempotency-Key", "<x-idempotency-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/recipients")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["X-Idempotency-Key"] = '<x-idempotency-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"type\": \"<string>\",\n  \"customer_id\": \"<string>\",\n  \"bank_account\": {\n    \"bank_account.account_number\": \"<string>\",\n    \"bank_account.bank_code\": \"<string>\",\n    \"bank_account.account_name\": \"<string>\"\n  },\n  \"crypto_address\": {\n    \"crypto_address.asset\": \"<string>\",\n    \"crypto_address.chain\": \"<string>\",\n    \"crypto_address.address\": \"<string>\"\n  },\n  \"us_bank_account\": {\n    \"us_bank_account.account_owner_name\": \"<string>\",\n    \"us_bank_account.account_number\": \"<string>\",\n    \"us_bank_account.routing_number\": \"<string>\",\n    \"us_bank_account.bank_name\": \"<string>\",\n    \"us_bank_account.account_type\": \"<string>\",\n    \"us_bank_account.payout_scheme\": \"<string>\",\n    \"us_bank_account.address\": {\n      \"us_bank_account.address.street_line_1\": \"<string>\",\n      \"us_bank_account.address.street_line_2\": \"<string>\",\n      \"us_bank_account.address.city\": \"<string>\",\n      \"us_bank_account.address.state\": \"<string>\",\n      \"us_bank_account.address.postal_code\": \"<string>\",\n      \"us_bank_account.address.country\": \"<string>\"\n    }\n  },\n  \"swift_bank_account\": {\n    \"swift_bank_account.account_owner_name\": \"<string>\",\n    \"swift_bank_account.account_owner_type\": \"<string>\",\n    \"swift_bank_account.account_country\": \"<string>\",\n    \"swift_bank_account.iban\": \"<string>\",\n    \"swift_bank_account.bic\": \"<string>\",\n    \"swift_bank_account.bank_name\": \"<string>\",\n    \"swift_bank_account.first_name\": \"<string>\",\n    \"swift_bank_account.last_name\": \"<string>\",\n    \"swift_bank_account.business_name\": \"<string>\",\n    \"swift_bank_account.category\": \"<string>\",\n    \"swift_bank_account.purpose_of_funds\": [\n      {}\n    ],\n    \"swift_bank_account.short_business_description\": \"<string>\",\n    \"swift_bank_account.address\": {\n      \"swift_bank_account.address.street_line_1\": \"<string>\",\n      \"swift_bank_account.address.street_line_2\": \"<string>\",\n      \"swift_bank_account.address.city\": \"<string>\",\n      \"swift_bank_account.address.state\": \"<string>\",\n      \"swift_bank_account.address.postal_code\": \"<string>\",\n      \"swift_bank_account.address.country\": \"<string>\"\n    },\n    \"swift_bank_account.bank_address\": {}\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "750e8400-e29b-41d4-a716-446655440000",
  "type": "BANK_ACCOUNT",
  "first_name": "John",
  "last_name": "Doe",
  "bank_account": {
    "account_number": "1234567890",
    "account_name": "John Doe",
    "bank_code": "044",
    "bank_name": "Access Bank"
  },
  "crypto_address": null,
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "type": "CRYPTO_ADDRESS",
  "first_name": null,
  "last_name": null,
  "bank_account": null,
  "crypto_address": {
    "asset": "USDC",
    "chain": "BASE",
    "address": "0x1234567890abcdef1234567890abcdef12345678"
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "type": "US_BANK_ACCOUNT",
  "first_name": "Jane",
  "last_name": "Smith",
  "us_bank_account": {
    "account_owner_name": "Jane Smith",
    "account_number_last4": "6789",
    "routing_number": "021000021",
    "bank_name": "Chase",
    "account_type": "checking",
    "payout_scheme": "ach",
    "address": {
      "street_line_1": "123 Main St",
      "city": "New York",
      "state": "NY",
      "postal_code": "10001",
      "country": "USA"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "a50e8400-e29b-41d4-a716-446655440000",
  "type": "SWIFT_BANK_ACCOUNT",
  "first_name": "Hans",
  "last_name": "Mueller",
  "swift_bank_account": {
    "account_owner_name": "Hans Mueller",
    "account_owner_type": "individual",
    "first_name": "Hans",
    "last_name": "Mueller",
    "account_country": "DEU",
    "iban_last4": "3000",
    "bic": "COBADEFFXXX",
    "bank_name": "Commerzbank",
    "category": "client",
    "purpose_of_funds": ["personal_or_living_expenses"],
    "short_business_description": "Personal account for living expenses",
    "address": {
      "street_line_1": "Kaiserstrasse 16",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    },
    "bank_address": {
      "street_line_1": "Kaiserplatz",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

Overview

Create a saved recipient that can be reused across transfers and settlement configuration. Supported types: BANK_ACCOUNT, CRYPTO_ADDRESS, US_BANK_ACCOUNT, and SWIFT_BANK_ACCOUNT. Recipients are deduplicated by fingerprint — submitting the same account details will return the existing recipient rather than creating a duplicate.

Tier 2 verification required for USD recipients:

customer_id is required for US_BANK_ACCOUNT and SWIFT_BANK_ACCOUNT types.
The referenced customer must have completed tier 2 verification.
If the customer does not have a Bridge banking partner ID, USD recipient creation will fail.

Authentication

X-Api-Key

string

required

Your merchant API key

X-Idempotency-Key

string

required

Unique idempotency key to prevent duplicate requestsExample: 550e8400-e29b-41d4-a716-446655440000

Request Body

type

string

required

Recipient typeAllowed values: BANK_ACCOUNT | CRYPTO_ADDRESS | US_BANK_ACCOUNT | SWIFT_BANK_ACCOUNT

customer_id

string

Customer ID to associate with this recipient (UUID). Required for US_BANK_ACCOUNT and SWIFT_BANK_ACCOUNT types. The customer must have completed tier 2 verification.Example: 650e8400-e29b-41d4-a716-446655440000

bank_account

object

Bank account details. Required when type is BANK_ACCOUNT.

Show bank_account properties

bank_account.account_number

string

required

Bank account numberExample: 1234567890

bank_account.bank_code

string

required

Bank code (e.g. CBN bank code)Example: 044

bank_account.account_name

string

Account holder name. If omitted, the name will be resolved automatically.Example: John Doe

crypto_address

object

Crypto address details. Required when type is CRYPTO_ADDRESS.

Show crypto_address properties

crypto_address.asset

string

required

Crypto assetAllowed values: USDC | USDT

crypto_address.chain

string

required

crypto_address.address

string

required

Wallet addressExample: 0x1234567890abcdef1234567890abcdef12345678

us_bank_account

object

US bank account details. Required when type is US_BANK_ACCOUNT.

Show us_bank_account properties

us_bank_account.account_owner_name

string

required

Owner of the bank account. 1-256 characters.For ACH transfers must match: ^(?!\s*$)[\x20-\x7E]*$. For wire transfers must match: ^[ \w!"#$%&'()+,\-./:;<=>?@\\_`~]*$.Example: Jane Smith

us_bank_account.account_number

string

required

Bank account numberExample: 123456789

us_bank_account.routing_number

string

required

Bank routing numberExample: 021000021

us_bank_account.bank_name

string

required

Bank name. 1-256 characters.Example: Chase

us_bank_account.account_type

string

required

Account typeAllowed values: checking | savings

us_bank_account.payout_scheme

string

required

Payment schemeAllowed values: ach | wire

us_bank_account.address

object

required

Address of the beneficiary. Please ensure the address is valid. US addresses used to receive wires must include a street number.

Show address properties

us_bank_account.address.street_line_1

string

required

Street address line 1 (4-35 characters)

us_bank_account.address.street_line_2

string

Street address line 2 (maximum 35 characters)

us_bank_account.address.city

string

required

City (minimum 1 character)

us_bank_account.address.state

string

ISO 3166-2 subdivision code. Must be supplied for US addresses (1-3 characters).

us_bank_account.address.postal_code

string

Postal code. Must be supplied for countries that use postal codes.

us_bank_account.address.country

string

required

ISO 3166-1 alpha-3 country code (3 characters). Example: USA.

swift_bank_account

object

SWIFT bank account details. Required when type is SWIFT_BANK_ACCOUNT. For individual recipients, provide first_name and last_name. For business recipients, provide business_name.

Show swift_bank_account properties

swift_bank_account.account_owner_name

string

required

Owner of the bank account. 1-256 characters.For ACH transfers must match: ^(?!\s*$)[\x20-\x7E]*$. For wire transfers must match: ^[ \w!"#$%&'()+,\-./:;<=>?@\\_`~]*$.Example: Hans Mueller

swift_bank_account.account_owner_type

string

required

Owner type. For individual ownership, first_name and last_name are required. For business ownership, business_name is required.Allowed values: individual | business

swift_bank_account.account_country

string

required

ISO 3166-1 alpha-3 country code where the bank account is held (3 characters).Example: DEU

swift_bank_account.iban

string

required

International Bank Account Number that will be used to send the funds. Minimum length 1.Example: DE89370400440532013000

swift_bank_account.bic

string

Bank Identifier Code that will be used to send the funds. Minimum length 1. Optional.Example: COBADEFFXXX

swift_bank_account.bank_name

string

Bank name. 1-256 characters. Optional.Example: Commerzbank

swift_bank_account.first_name

string

First name. Required when account_owner_type is individual.

swift_bank_account.last_name

string

Last name. Required when account_owner_type is individual.

swift_bank_account.business_name

string

Business name. Required when account_owner_type is business.

swift_bank_account.category

string

required

The context of business operations.Allowed values: client | parent_company | subsidiary | supplier

swift_bank_account.purpose_of_funds

array

required

The nature of the transactions this account will participate in. At least one value required.Allowed values: intra_group_transfer | invoice_for_goods_and_services

swift_bank_account.short_business_description

string

required

How the business uses the funds.

swift_bank_account.address

object

required

Address of the beneficiary. Please ensure the address is valid. US addresses used to receive wires must include a street number.

Show address properties

swift_bank_account.address.street_line_1

string

required

Street address line 1 (4-35 characters)

swift_bank_account.address.street_line_2

string

Street address line 2 (maximum 35 characters)

swift_bank_account.address.city

string

required

City (minimum 1 character)

swift_bank_account.address.state

string

ISO 3166-2 subdivision code. Must be supplied for US addresses (1-3 characters).

swift_bank_account.address.postal_code

string

Postal code. Must be supplied for countries that use postal codes.

swift_bank_account.address.country

string

required

ISO 3166-1 alpha-3 country code (3 characters). Example: DEU.

swift_bank_account.bank_address

object

required

Bank address. Same shape as swift_bank_account.address. country must be an ISO 3166-1 alpha-3 code.

Request Example

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "BANK_ACCOUNT",
    "bank_account": {
      "account_number": "1234567890",
      "bank_code": "044",
      "account_name": "John Doe"
    }
  }'

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: 660e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "CRYPTO_ADDRESS",
    "crypto_address": {
      "asset": "USDC",
      "chain": "BASE",
      "address": "0x1234567890abcdef1234567890abcdef12345678"
    }
  }'

const response = await fetch("https://api.daya.co/v1/recipients", {
  method: "POST",
  headers: {
    "X-Api-Key": "YOUR_API_KEY",
    "X-Idempotency-Key": "550e8400-e29b-41d4-a716-446655440000",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    type: "BANK_ACCOUNT",
    bank_account: {
      account_number: "1234567890",
      bank_code: "044",
      account_name: "John Doe",
    },
  }),
});

const recipient = await response.json();

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: 770e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "US_BANK_ACCOUNT",
    "customer_id": "650e8400-e29b-41d4-a716-446655440000",
    "us_bank_account": {
      "account_owner_name": "Jane Smith",
      "account_number": "123456789",
      "routing_number": "021000021",
      "bank_name": "Chase",
      "account_type": "checking",
      "payout_scheme": "ach",
      "address": {
        "street_line_1": "123 Main St",
        "city": "New York",
        "state": "NY",
        "postal_code": "10001",
        "country": "USA"
      }
    }
  }'

curl --request POST \
  --url https://api.daya.co/v1/recipients \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'X-Idempotency-Key: 880e8400-e29b-41d4-a716-446655440000' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "SWIFT_BANK_ACCOUNT",
    "customer_id": "650e8400-e29b-41d4-a716-446655440000",
    "swift_bank_account": {
      "account_owner_name": "Hans Mueller",
      "account_owner_type": "individual",
      "first_name": "Hans",
      "last_name": "Mueller",
      "account_country": "DEU",
      "iban": "DE89370400440532013000",
      "bic": "COBADEFFXXX",
      "bank_name": "Commerzbank",
      "category": "client",
      "purpose_of_funds": ["invoice_for_goods_and_services"],
      "short_business_description": "Receives payments for design services",
      "address": {
        "street_line_1": "Kaiserstrasse 16",
        "city": "Frankfurt",
        "postal_code": "60311",
        "country": "DEU"
      },
      "bank_address": {
        "street_line_1": "Kaiserplatz",
        "city": "Frankfurt",
        "postal_code": "60311",
        "country": "DEU"
      }
    }
  }'

Response

string

required

Unique recipient identifier (UUID)

type

string

required

Recipient type (BANK_ACCOUNT, CRYPTO_ADDRESS, US_BANK_ACCOUNT, or SWIFT_BANK_ACCOUNT)

first_name

string

Recipient first name (resolved from account details)

last_name

string

Recipient last name (resolved from account details)

bank_account

object

Bank account details. Present when type is BANK_ACCOUNT, null otherwise.

Show bank_account properties

bank_account.account_number

string

Bank account number

bank_account.account_name

string

Resolved account holder name

bank_account.bank_code

string

Bank code

bank_account.bank_name

string

Resolved bank name

crypto_address

object

Crypto address details. Present when type is CRYPTO_ADDRESS, null otherwise.

Show crypto_address properties

crypto_address.asset

string

Crypto asset (USDC or USDT)

crypto_address.chain

string

Blockchain network

crypto_address.address

string

Wallet address

us_bank_account

object

US bank account details. Present when type is US_BANK_ACCOUNT, null otherwise.

Show us_bank_account properties

us_bank_account.account_owner_name

string

Account owner name

us_bank_account.account_number_last4

string

Last 4 digits of account number

us_bank_account.routing_number

string

Routing number

us_bank_account.bank_name

string

Bank name

us_bank_account.account_type

string

Account type (checking or savings)

us_bank_account.payout_scheme

string

Payment scheme (ach or wire)

us_bank_account.address

object

Recipient address

swift_bank_account

object

SWIFT bank account details. Present when type is SWIFT_BANK_ACCOUNT, null otherwise.

Show swift_bank_account properties

swift_bank_account.account_owner_name

string

Account owner name

swift_bank_account.account_owner_type

string

Owner type (individual or business)

swift_bank_account.account_country

string

ISO 3166-1 alpha-3 country code

swift_bank_account.iban_last4

string

Last 4 digits of IBAN

swift_bank_account.bic

string

Bank Identifier Code

swift_bank_account.bank_name

string

Bank name

swift_bank_account.first_name

string

First name (present when account_owner_type is individual)

swift_bank_account.last_name

string

Last name (present when account_owner_type is individual)

swift_bank_account.business_name

string

Business name (present when account_owner_type is business)

swift_bank_account.category

string

Recipient category

swift_bank_account.purpose_of_funds

array

Purpose of funds

swift_bank_account.short_business_description

string

Short business description

swift_bank_account.address

object

Recipient address

swift_bank_account.bank_address

object

Bank address

created_at

string

required

When the recipient was created (ISO 8601 timestamp)

Success Response

{
  "id": "750e8400-e29b-41d4-a716-446655440000",
  "type": "BANK_ACCOUNT",
  "first_name": "John",
  "last_name": "Doe",
  "bank_account": {
    "account_number": "1234567890",
    "account_name": "John Doe",
    "bank_code": "044",
    "bank_name": "Access Bank"
  },
  "crypto_address": null,
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "850e8400-e29b-41d4-a716-446655440000",
  "type": "CRYPTO_ADDRESS",
  "first_name": null,
  "last_name": null,
  "bank_account": null,
  "crypto_address": {
    "asset": "USDC",
    "chain": "BASE",
    "address": "0x1234567890abcdef1234567890abcdef12345678"
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "950e8400-e29b-41d4-a716-446655440000",
  "type": "US_BANK_ACCOUNT",
  "first_name": "Jane",
  "last_name": "Smith",
  "us_bank_account": {
    "account_owner_name": "Jane Smith",
    "account_number_last4": "6789",
    "routing_number": "021000021",
    "bank_name": "Chase",
    "account_type": "checking",
    "payout_scheme": "ach",
    "address": {
      "street_line_1": "123 Main St",
      "city": "New York",
      "state": "NY",
      "postal_code": "10001",
      "country": "USA"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

{
  "id": "a50e8400-e29b-41d4-a716-446655440000",
  "type": "SWIFT_BANK_ACCOUNT",
  "first_name": "Hans",
  "last_name": "Mueller",
  "swift_bank_account": {
    "account_owner_name": "Hans Mueller",
    "account_owner_type": "individual",
    "first_name": "Hans",
    "last_name": "Mueller",
    "account_country": "DEU",
    "iban_last4": "3000",
    "bic": "COBADEFFXXX",
    "bank_name": "Commerzbank",
    "category": "client",
    "purpose_of_funds": ["personal_or_living_expenses"],
    "short_business_description": "Personal account for living expenses",
    "address": {
      "street_line_1": "Kaiserstrasse 16",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    },
    "bank_address": {
      "street_line_1": "Kaiserplatz",
      "city": "Frankfurt",
      "postal_code": "60311",
      "country": "DEU"
    }
  },
  "created_at": "2026-01-05T15:04:05Z"
}

Error Responses

{
  "error": {
    "code": "validation_failed",
    "message": "Validation failed",
    "details": "bank_account is required when type is BANK_ACCOUNT"
  }
}

{
  "error": {
    "code": "unauthorized",
    "message": "Invalid or missing API key"
  }
}

Notes

Recipients are deduplicated by fingerprint. If you submit the same account details, the existing recipient is returned instead of creating a duplicate.
When account_name is omitted for a BANK_ACCOUNT recipient, the name is resolved automatically from the bank.
customer_id is optional for BANK_ACCOUNT and CRYPTO_ADDRESS types, but required for US_BANK_ACCOUNT and SWIFT_BANK_ACCOUNT types.
For USD recipient types, the referenced customer must have completed tier 2 verification and have a Bridge banking partner ID.
For US_BANK_ACCOUNT and SWIFT_BANK_ACCOUNT, the address.country field must be an ISO 3166-1 alpha-3 country code (e.g. USA, DEU, GBR).

Next Steps

List recipients

Retrieve all saved recipients

Get recipient

Look up a single recipient by ID

Create a sandbox deposit List recipients

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Overview

Authentication

Request Body

Request Example

Response

Success Response

Error Responses

Notes

Next Steps

List recipients

Get recipient

​Overview

​Authentication

​Request Body

​Request Example

​Response

​Success Response

​Error Responses

​Notes

​Next Steps

List recipients

Get recipient

Overview

Authentication

Request Body

Request Example

Response

Success Response

Error Responses

Notes

Next Steps