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The Recipient object represents a payment destination with a unified structure across all payment methods. Unused fields are returned as null.
FieldTypeDescription
objectstringAlways “recipient”
idstring (UUID)Unique identifier for the recipient
user_idstring (UUID)ID of the user who owns this recipient
profile_idstring (UUID)ID of the associated profile
activebooleanWhether the recipient is active
owned_by_customerbooleanWhether the recipient is owned by the customer
created_atstring (ISO 8601)When the recipient was created
updated_atstring (ISO 8601)When the recipient was last updated
currency_idstringCurrency code (NGN, USD, GBP, KES, BTC, ETH, USDT, XLM, etc.)
country_idstringISO country code (NG, US, GB, KE, null for crypto)
typestring (enum)Specific recipient type (see Types section)
categorystring (enum)General category: bank, mobile_money, crypto
entity_typestringEntity type: personal or business (nullable, used for US/GB)
transfer_typestringTransfer method: ach, wire, swift (nullable, used for US)
account_namestringAccount holder name or wallet label (nullable)
bank_namestringName of the bank (nullable)
bank_codestringBank code (nullable, used for Nigeria)
sort_codestringSort code (nullable, used for UK)
routing_numberstringRouting number (nullable, used for US ACH/Wire)
swift_codestringSWIFT code (nullable, used for international transfers)
account_numberstringDomestic account number (nullable)
ibanstringInternational account number (nullable, used for SWIFT)
phone_numberstringMobile money phone number (nullable)
networkstringBlockchain network (nullable, used for crypto)
crypto_addressstringWallet address (nullable, used for crypto)
memostringMemo/tag for crypto transfers (nullable)
recipient_addressstringRecipient address for international transfers (nullable)
intermediary_bank_namestringIntermediary bank name (nullable, used for SWIFT)
intermediary_bank_addressstringIntermediary bank address (nullable, used for SWIFT)
intermediary_swift_codestringIntermediary bank SWIFT code (nullable, used for SWIFT)