Create recipient - Daya API Documentation

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": {}
  }
}
'

{
  "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"
}

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": {}
  }
}
'

{
  "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"
}

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"
    }
  }'

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"
}

Error Responses

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

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

​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