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"
}
Recipients
Create recipient
Create a saved transfer or settlement destination
POST
/
v1
/
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_idis required forUS_BANK_ACCOUNTandSWIFT_BANK_ACCOUNTtypes.- 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.
For a transfer funded from
CUSTOMER_NGN_BALANCE, create the BANK_ACCOUNT recipient with the same customer_id used in on_behalf_of.customer_id. Customer ownership is optional for merchant-funded NGN transfers but required for this customer-scoped flow.Authentication
string
required
Your merchant API key
string
required
Unique idempotency key to prevent duplicate requestsExample:
550e8400-e29b-41d4-a716-446655440000Request Body
string
required
Recipient typeAllowed values:
BANK_ACCOUNT | CRYPTO_ADDRESS | US_BANK_ACCOUNT | SWIFT_BANK_ACCOUNTstring
Customer ID to associate with this recipient (UUID). Required for
US_BANK_ACCOUNT and SWIFT_BANK_ACCOUNT types, whose customer must have completed tier 2 verification. Also required on a BANK_ACCOUNT recipient that will be paid from that customer’s CUSTOMER_NGN_BALANCE.Example: 650e8400-e29b-41d4-a716-446655440000object
object
Crypto address details. Required when
type is CRYPTO_ADDRESS.Show crypto_address properties
Show crypto_address properties
string
required
Crypto assetAllowed values:
USDC | USDT | SOL | BNBstring
required
Blockchain networkNative SOL requires
SOLANA; native BNB requires BSC. For USDC and USDT, use GET /v1/supported-chains as the authoritative source for withdrawal-enabled combinations in the current environment.string
required
Wallet addressExample:
0x1234567890abcdef1234567890abcdef12345678object
US bank account details. Required when
type is US_BANK_ACCOUNT.Show us_bank_account properties
Show us_bank_account properties
string
required
Owner of the bank account. 1-256 characters.For ACH transfers must match:
^(?!\s*$)[\x20-\x7E]*$.
For wire transfers must match: ^[ \w!"#$%&'()+,\-./:;<=>?@\\_`~]*$.Example: Jane Smithstring
required
Bank account numberExample:
123456789string
required
Bank routing numberExample:
021000021string
required
Bank name. 1-256 characters.Example:
Chasestring
required
Account typeAllowed values:
checking | savingsstring
required
Payment schemeAllowed values:
ach | wireobject
required
Address of the beneficiary. Please ensure the address is valid. US addresses used to receive wires must include a street number.
Show address properties
Show address properties
string
required
Street address line 1 (4-35 characters)
string
Street address line 2 (maximum 35 characters)
string
required
City (minimum 1 character)
string
ISO 3166-2 subdivision code. Must be supplied for US addresses (1-3 characters).
string
Postal code. Must be supplied for countries that use postal codes.
string
required
ISO 3166-1 alpha-3 country code (3 characters). Example:
USA.object
SWIFT bank account details. Required when
type is SWIFT_BANK_ACCOUNT. For individual recipients, provide first_name and last_name. For business recipients, provide business_name.Show swift_bank_account properties
Show swift_bank_account properties
string
required
Owner of the bank account. 1-256 characters.For ACH transfers must match:
^(?!\s*$)[\x20-\x7E]*$.
For wire transfers must match: ^[ \w!"#$%&'()+,\-./:;<=>?@\\_`~]*$.Example: Hans Muellerstring
required
Owner type. For
individual ownership, first_name and last_name are required. For business ownership, business_name is required.Allowed values: individual | businessstring
required
ISO 3166-1 alpha-3 country code where the bank account is held (3 characters).Example:
DEUstring
required
International Bank Account Number that will be used to send the funds. Minimum length 1.Example:
DE89370400440532013000string
Bank Identifier Code that will be used to send the funds. Minimum length 1. Optional.Example:
COBADEFFXXXstring
Bank name. 1-256 characters. Optional.Example:
Commerzbankstring
First name. Required when
account_owner_type is individual.string
Last name. Required when
account_owner_type is individual.string
Business name. Required when
account_owner_type is business.string
required
The context of business operations.Allowed values:
client | parent_company | subsidiary | supplierarray
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_servicesstring
required
How the business uses the funds.
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
Show address properties
string
required
Street address line 1 (4-35 characters)
string
Street address line 2 (maximum 35 characters)
string
required
City (minimum 1 character)
string
ISO 3166-2 subdivision code. Must be supplied for US addresses (1-3 characters).
string
Postal code. Must be supplied for countries that use postal codes.
string
required
ISO 3166-1 alpha-3 country code (3 characters). Example:
DEU.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: 560e8400-e29b-41d4-a716-446655440000' \
--header 'Content-Type: application/json' \
--data '{
"type": "BANK_ACCOUNT",
"customer_id": "650e8400-e29b-41d4-a716-446655440000",
"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)
string
required
Recipient type (
BANK_ACCOUNT, CRYPTO_ADDRESS, US_BANK_ACCOUNT, or SWIFT_BANK_ACCOUNT)string
Recipient first name (resolved from account details)
string
Recipient last name (resolved from account details)
object
object
object
US bank account details. Present when
type is US_BANK_ACCOUNT, null otherwise.object
SWIFT bank account details. Present when
type is SWIFT_BANK_ACCOUNT, null otherwise.Show swift_bank_account properties
Show swift_bank_account properties
string
Account owner name
string
Owner type (
individual or business)string
ISO 3166-1 alpha-3 country code
string
Last 4 digits of IBAN
string
Bank Identifier Code
string
Bank name
string
First name (present when
account_owner_type is individual)string
Last name (present when
account_owner_type is individual)string
Business name (present when
account_owner_type is business)string
Recipient category
array
Purpose of funds
string
Short business description
object
Recipient address
object
Bank address
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_nameis omitted for aBANK_ACCOUNTrecipient, the name is resolved automatically from the bank. customer_idis optional forBANK_ACCOUNTandCRYPTO_ADDRESStypes, but required forUS_BANK_ACCOUNTandSWIFT_BANK_ACCOUNTtypes.- For USD recipient types, the referenced customer must have completed tier 2 verification and have a Bridge banking partner ID.
- For
US_BANK_ACCOUNTandSWIFT_BANK_ACCOUNT, theaddress.countryfield 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