> ## Documentation Index
> Fetch the complete documentation index at: https://doc.engagexpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Account & Routing Number Validation Rules

> Allowed values for bank account and routing schemes when creating a beneficiary.

Allowed values for bank account and routing schemes when creating a beneficiary. These specifications are regularly updated — refer to the [release notes](https://doc.engagexpay.com/changelogs) for the latest changes.

> [!NOTE]
>
> All ENUM values must be provided in **ALL CAPS** when making API calls.

### Required when values

| Value | Meaning |
| :- | :- |
| `always` | Required regardless of the bank account scheme used |
| `local` | Required only when `bank_account.scheme` is `LOCAL` |
| `swift` | Required only when `bank_account.scheme` is `SWIFT` |
| `conditional` | Required based on the payment type (ACH vs wire for USA) |
| `null` | Optional — include if available |

> [accordion] AUS — Australia
>
> **Allowed currencies:** `AUD`, `USD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL`, `SWIFT` |
> | Number regex | `^[0-9]{4,9}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BSB` | `^[0-9]{6}$` | `local` |
> | `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "AUS",
>   "currency": "AUD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Afroja",
>     "last_name": "Akter",
>     "email": "afroja@example.com",
>     "phone": "+61412345678"
>   },
>   "bank_account": {
>     "bank_name": "Commonwealth Bank of Australia",
>     "number": "123456789",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
>     "city": "Sydney",
>     "state": "AU-SA",
>     "postcode": "2000",
>     "country": "AUS"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Wallaby Way",
>     "city": "Queensland",
>     "state": "AU-SA",
>     "postcode": "2000",
>     "country": "AUS"
>   },
>   "receiver_meta_data": {
>     "nationality": "AUS",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     { "scheme": "BSB", "number": 123456 },
>     { "scheme": "BANK_IDENTIFIER", "number": 120 }
>   ],
>   "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
>   "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": { "auto_settlement": false }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "AUS",
>   "currency": "USD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+61412345678"
>   },
>   "bank_account": {
>     "bank_name": "Commonwealth Bank of Australia",
>     "number": "123456789",
>     "scheme": "SWIFT",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
>     "city": "Sydney",
>     "state": "AU-SA",
>     "postcode": "2000",
>     "country": "AUS"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Wallaby Way",
>     "city": "Queensland",
>     "state": "AU-SA",
>     "postcode": "2000",
>     "country": "AUS"
>   },
>   "receiver_meta_data": {
>     "nationality": "AUS",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     { "scheme": "BANK_IDENTIFIER", "number": 3503 },
>     { "scheme": "SWIFT", "number": "DBSSSGSG001" }
>   ],
>   "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
>   "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": { "auto_settlement": false }
> }
> ```

> [accordion] BGD — Bangladesh
>
> **Allowed currencies:** `BDT`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[0-9]{6,20}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local bank theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "BGD",
>   "currency": "BDT",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Afroja",
>     "last_name": "Akter",
>     "email": "afro@email.com",
>     "phone": "+8801688502814"
>   },
>   "bank_account": {
>     "bank_name": "BRAC Bank Limited",
>     "number": "1234567890123456",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_routing": [
>     { "scheme": "BANK_IDENTIFIER", "number": 161 },
>     { "scheme": "BRANCH_IDENTIFIER", "number": 125 }
>   ],
>   "bank_address": {
>     "street_line_1": "BRAC Bank Tower, 75 Mohakhali",
>     "city": "Dhaka",
>     "state": "BD-03",
>     "postcode": "1212",
>     "country": "BGD"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Dhanmondi Road",
>     "city": "Dhaka",
>     "state": "BD-03",
>     "postcode": "1205",
>     "country": "BGD"
>   },
>   "receiver_meta_data": {
>     "nationality": "BGD",
>     "transaction_purpose_id": 6,
>     "transaction_purpose_remarks": "Education expenses",
>     "occupation_id": 210,
>     "occupation_remarks": "Software Engineer",
>     "relationship": "FAMILY_MEMBER"
>   },
>   "developer_fee": { "fixed": 2.50, "percentage": 10.5 },
>   "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
>   "refund_instruction": {
>     "wallet_address": "0x1234567890123456789012345678901234567890",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": { "auto_settlement": true }
> }
> ```
>
> ```json E-wallet (bKash) theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "BGD",
>   "currency": "BDT",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Fahmi",
>     "last_name": "Testbenvtwo",
>     "email": "fahmitestbenv2ewallet@email.com",
>     "phone": "+8801688502814"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Chamelibag Shantinagar",
>     "city": "Dhaka",
>     "state": "BD-13-13",
>     "postcode": "1217",
>     "country": "BGD"
>   },
>   "receiver_meta_data": {
>     "nationality": "BGD",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Education expenses",
>     "occupation_id": 2,
>     "occupation_remarks": "Software Engineer",
>     "relationship": "FRIEND"
>   },
>   "e_wallet": {
>     "number": "+8801688502814",
>     "scheme": "BKASH"
>   },
>   "developer_fee": { "fixed": 1.55, "percentage": 0.48 },
>   "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
>   "refund_instruction": {
>     "wallet_address": "0xabcdef1234567890abcdef1234567890abcdef12",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": { "auto_settlement": false }
> }
> ```

> [accordion] CAN — Canada
>
> **Allowed currencies:** `CAD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[0-9]{7,12}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BRANCH_CODE` | `^[0-9]{3}$` | `null` |
> | `TRANSIT_NUMBER` | `^[0-9]{5}$` | `local` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "CAN",
>   "currency": "CAD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Liz",
>     "last_name": "Tomford",
>     "email": "liztomford@email.com",
>     "phone": "+12345678910"
>   },
>   "bank_account": {
>     "bank_name": "Royal Bank of Canada",
>     "number": "123456789",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
>     "city": "Alberta",
>     "state": "CA-BC",
>     "postcode": "2000",
>     "country": "CAN"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Wallaby Way",
>     "city": "Vancouver",
>     "state": "CA-BC",
>     "postcode": "4554",
>     "country": "CAN"
>   },
>   "receiver_meta_data": {
>     "nationality": "USA",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     { "scheme": "BANK_IDENTIFIER", "number": 163 },
>     { "scheme": "TRANSIT_NUMBER", "number": 50201 }
>   ],
>   "developer_fee": { "fixed": 1.25, "percentage": 0.45 },
>   "deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": { "auto_settlement": false }
> }
> ```

> [accordion] EU — European Union
>
> **Allowed currencies:** `EUR` for all EUR-supported countries in this region
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[A-Z0-9]{8}([A-Z0-9]{3})?$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `IBAN` | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` | `always` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "{{customer_id}}",
>   "counter_party": "FIRST_PARTY",
>   "country": "FRA",
>   "currency": "EUR",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Camille",
>     "last_name": "Fontaine",
>     "email": "camille.fontaine@orange.fr",
>     "phone": "+33612345678"
>   },
>   "bank_account": {
>     "bank_name": "BNP Paribas",
>     "number": "30004007648",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "16 Boulevard des Italiens",
>     "city": "Paris",
>     "state": "FR-75",
>     "postcode": "75009",
>     "country": "FRA"
>   },
>   "account_holder_address": {
>     "street_line_1": "24 Rue de Rivoli",
>     "city": "Paris",
>     "state": "FR-75",
>     "postcode": "75004",
>     "country": "FRA"
>   },
>   "receiver_meta_data": {
>     "nationality": "FRA",
>     "occupation_id": 504,
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Personal remittance for living expenses and family support",
>     "relationship": "EMPLOYEE",
>     "relationship_remarks": "Individual beneficiary"
>   },
>   "bank_routing": [
>     {
>       "scheme": "IBAN",
>       "number": "FR7630004007540001957675085"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1918
>     }
>   ],
>   "developer_fee": {
>     "fixed": 0,
>     "percentage": 0
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x9c3d57fa82b401e7d2087ab36c1f8e3d20a647b1",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "{{customer_id}}",
>   "country": "FRA",
>   "currency": "USD",
>   "account_holder": {
>     "type": "BUSINESS",
>     "business_name": "Lumiere Tech Solutions SAS",
>     "email": "comptabilite@lumieretech.fr",
>     "phone": "+33140298765"
>   },
>   "bank_account": {
>     "bank_name": "Societe Generale",
>     "number": "30102578492",
>     "scheme": "SWIFT",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "29 Boulevard Haussmann",
>     "city": "Paris",
>     "state": "FR-75",
>     "postcode": "75009",
>     "country": "FRA"
>   },
>   "account_holder_address": {
>     "street_line_1": "12 Rue du Faubourg Saint-Antoine",
>     "city": "Paris",
>     "state": "FR-75",
>     "postcode": "75012",
>     "country": "FRA"
>   },
>   "receiver_meta_data": {
>     "nationality": "FRA",
>     "transaction_purpose_id": 15,
>     "transaction_purpose_remarks": "Payment for B2B software services and technology consulting exports",
>     "relationship": "CUSTOMER",
>     "relationship_remarks": "Corporate beneficiary"
>   },
>   "bank_routing": [
>     {
>       "scheme": "SWIFT",
>       "number": "SOGEFRPPXXX"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1918
>     }
>   ],
>   "developer_fee": {
>     "fixed": 0,
>     "percentage": 0
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0xf4a823cd91e756b30d18ec47f2b0d3e85a91c027",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] GBR — United Kingdom
>
> **Allowed currencies:** `GBP`, `USD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL`, `SWIFT` |
> | Number regex (local) | `^[A-Z0-9]{8}([A-Z0-9]{3})?$` |
> | Number regex (IBAN) | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
> | `IBAN` | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` | `always` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "GBR",
>   "currency": "GBP",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+447912345678"
>   },
>   "bank_account": {
>     "bank_name": "Barclays Bank UK",
>     "number": "12345678",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "1 Churchill Place",
>     "city": "London",
>     "state": "GB-ABE",
>     "postcode": "E14 5HP",
>     "country": "GBR"
>   },
>   "account_holder_address": {
>     "street_line_1": "22 Baker Street",
>     "city": "London",
>     "state": "GB-ABE",
>     "postcode": "W1U 3BW",
>     "country": "GBR"
>   },
>   "receiver_meta_data": {
>     "nationality": "GBR",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "IBAN",
>       "number": "NW11BKGB2LXXX1223456"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 274
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "GBR",
>   "currency": "USD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+447912345678"
>   },
>   "bank_account": {
>     "bank_name": "Barclays Bank UK",
>     "number": "12345678",
>     "scheme": "SWIFT",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "1 Churchill Place",
>     "city": "London",
>     "state": "GB-ABE",
>     "postcode": "E14 5HP",
>     "country": "GBR"
>   },
>   "account_holder_address": {
>     "street_line_1": "22 Baker Street",
>     "city": "London",
>     "state": "GB-ABE",
>     "postcode": "W1U 3BW",
>     "country": "GBR"
>   },
>   "receiver_meta_data": {
>     "nationality": "GBR",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 3501
>     },
>     {
>       "scheme": "IBAN",
>       "number": "NW11BKGB2LXXX1223456"
>     },
>     {
>       "scheme": "SWIFT",
>       "number": "BARCGB22XXX"
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] IND — India
>
> **Allowed currencies:** `INR`, `USD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL`, `SWIFT` |
> | Number regex | `^[0-9]{6,18}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `IFSC` | `^[A-Za-z]{4}0[A-Za-z0-9]{6}$` | `always` |
> | `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "IND",
>   "currency": "INR",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+919876543210"
>   },
>   "bank_account": {
>     "bank_name": "State Bank of India",
>     "number": "12345678901",
>     "scheme": "LOCAL",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "SBI Tower, Bandra Kurla Complex",
>     "city": "Mumbai",
>     "state": "IN-AP",
>     "postcode": "400051",
>     "country": "IND"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Marine Drive",
>     "city": "Mumbai",
>     "state": "IN-AP",
>     "postcode": "400002",
>     "country": "IND"
>   },
>   "receiver_meta_data": {
>     "nationality": "IND",
>     "transaction_purpose_id": 4,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BRANCH_IDENTIFIER",
>       "number": 30690
>     }, // [!code ++]
>     { // [!code ++]
>       "scheme": "IFSC",
>       "number": "ABCD0A1B2C3"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1800
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": true
>   }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "{{customer_id}}",
>   "country": "IND",
>   "currency": "USD",
>   "account_holder": {
>     "type": "BUSINESS",
>     "business_name": "Zenith Exports Private Limited",
>     "email": "finance@zenithexports.in",
>     "phone": "+912240867531"
>   },
>   "bank_account": {
>     "bank_name": "ICICI Bank",
>     "number": "628374910234567",
>     "scheme": "SWIFT",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "ICICI Bank Tower, Bandra Kurla Complex",
>     "city": "Mumbai",
>     "state": "IN-MH",
>     "postcode": "400051",
>     "country": "IND"
>   },
>   "account_holder_address": {
>     "street_line_1": "Plot 7, MIDC Industrial Area, Andheri East",
>     "city": "Mumbai",
>     "state": "IN-MH",
>     "postcode": "400093",
>     "country": "IND"
>   },
>   "receiver_meta_data": {
>     "nationality": "IND",
>     "transaction_purpose_id": 13,
>     "transaction_purpose_remarks": "Payment for export of manufactured goods",
>     "relationship": "CUSTOMER",
>     "relationship_remarks": "Corporate beneficiary"
>   },
>   "bank_routing": [
>     {
>       "scheme": "IFSC",
>       "number": "ICIC0000021"
>     },
>     {
>       "scheme": "SWIFT",
>       "number": "ICICINBBMUM"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 3855
>     }
>   ],
>   "developer_fee": {
>     "fixed": 0,
>     "percentage": 0
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0xb2d894f13c67a501e8d409bc27f3e82d1054a8c9",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] JPN — Japan
>
> **Allowed currencies:** `JPY`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[0-9]{7}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BANK_CODE` | `^[0-9]{4}$` | `always` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "routing_scheme": "BANK_CODE",
>   "routing_value": "<4-digit bank code>",
>   "bank_identifier": "<value>",
>   "branch_identifier": "<value>"
> }
> ```

> [accordion] MEX — Mexico
>
> **Allowed currencies:** `MXN`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^\d{18}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `CLABE` | `^\d{18}$` | `local` |
>
> > [!NOTE]
> >
> > * Only **first-party payouts** are currently supported for MXN. Third-party payouts are not available at this time.
> > * `auto_settlement` must be `true` for MXN payouts.
>
> ```json Local theme={null}
>       {
>         "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>         "counter_party": "FIRST_PARTY",
>         "country": "MEX",
>         "currency": "MXN",
>         "account_holder": {
>           "type": "BUSINESS",
>           "business_name": "Acme Corp",
>           "email": "contact@acmecorp.com",
>           "phone": "+525512345678"
>         },
>         "bank_account": {
>           "bank_name": "STP",
>           "number": "646180402301253739",
>           "scheme": "LOCAL",
>           "type": "CHECKING"
>         },
>         "bank_routing": [
>           {
>             "scheme": "CLABE",
>             "number": "646180402301253739"
>           }
>         ],
>         "bank_address": {
>           "street_line_1": "Paseo de la Reforma 510",
>           "city": "Ciudad de Mexico",
>           "state": "MX-CMX",
>           "postcode": "06600",
>           "country": "MEX"
>         },
>         "account_holder_address": {
>           "street_line_1": "Avenida Insurgentes Sur 123",
>           "city": "Ciudad de Mexico",
>           "state": "MX-CMX",
>           "postcode": "01000",
>           "country": "MEX"
>         },
>         "receiver_meta_data": {
>           "nationality": "USA",
>           "transaction_purpose_id": 1,
>           "transaction_purpose_remarks": "Education expenses",
>           "occupation_id": 2,
>           "occupation_remarks": "Software Engineer",
>           "relationship": "FAMILY_MEMBER"
>         },
>         "developer_fee": {
>           "fixed": 0,
>           "percentage": 0
>         },
>         "deposit_instruction": {
>           "currency": "USDC",
>           "rail": "POLYGON"
>         },
>         "refund_instruction": {
>           "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>           "currency": "USDC",
>           "rail": "POLYGON"
>         },
>         "settlement_config": {
>           "auto_settlement": true
>         }
>       }
> ```

> [accordion] NPL — Nepal
>
> **Allowed currencies:** `NPR`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[0-9]{8,20}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "NPL",
>   "currency": "NPR",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+9779801234567"
>   },
>   "bank_account": {
>     "bank_name": "Nabil Bank Limited",
>     "number": "00123456789",
>     "scheme": "LOCAL",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "Durbarmarg",
>     "city": "Kathmandu",
>     "state": "NP-2",
>     "postcode": "44600",
>     "country": "NPL"
>   },
>   "account_holder_address": {
>     "street_line_1": "Thamel",
>     "city": "Kathmandu",
>     "state": "NP-2",
>     "postcode": "44600",
>     "country": "NPL"
>   },
>   "receiver_meta_data": {
>     "nationality": "NPL",
>     "transaction_purpose_id": 7,
>     "occupation_id": 15,
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": "1768"
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] PAK — Pakistan
>
> **Allowed currencies:** `PKR`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^PK[0-9A-Z]{22}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "PAK",
>   "currency": "PKR",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "OConnor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+923001234567"
>   },
>   "bank_account": {
>     "bank_name": "Habib Bank Limited",
>     "number": "PK36HABB1234567890123456",
>     "scheme": "LOCAL",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "Habib Bank Plaza",
>     "city": "Karachi",
>     "state": "PK-SD",
>     "postcode": "74400",
>     "country": "PAK"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Clifton Road",
>     "city": "Karachi",
>     "state": "PK-SD",
>     "postcode": "74400",
>     "country": "PAK"
>   },
>   "receiver_meta_data": {
>     "nationality": "PAK",
>     "transaction_purpose_id": 2,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1778
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": true
>   }
> }
> ```

> [accordion] PHL — Philippines
>
> **Allowed currencies:** `PHP`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL` |
> | Number regex | `^[0-9]{8,16}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "PHL",
>   "currency": "PHP",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "OConnor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+639171234567"
>   },
>   "bank_account": {
>     "bank_name": "Bank of the Philippine Islands",
>     "number": "1234567890",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "BPI Buendia Branch",
>     "city": "Makati City",
>     "state": "PH-03",
>     "postcode": "1200",
>     "country": "PHL"
>   },
>   "account_holder_address": {
>     "street_line_1": "42 Ayala Avenue",
>     "city": "Makati City",
>     "state": "PH-03",
>     "postcode": "1200",
>     "country": "PHL"
>   },
>   "receiver_meta_data": {
>     "nationality": "PHL",
>     "transaction_purpose_id": 3,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 500,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1770
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] SGP — Singapore
>
> **Allowed currencies:** `SGD`, `USD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL`, `SWIFT` |
> | Number regex | `^[0-9]{7,11}$` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
> | `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
> | `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
>
> ```json Local theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "SGP",
>   "currency": "SGD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+6591234567"
>   },
>   "bank_account": {
>     "bank_name": "DBS Bank",
>     "number": "1234567890",
>     "scheme": "LOCAL",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "12 Marina Boulevard",
>     "city": "Singapore",
>     "state": "SG-02",
>     "postcode": "018982",
>     "country": "SGP"
>   },
>   "account_holder_address": {
>     "street_line_1": "5 Shenton Way",
>     "city": "Singapore",
>     "state": "SG-02",
>     "postcode": "068808",
>     "country": "SGP"
>   },
>   "receiver_meta_data": {
>     "nationality": "SGP",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 1782
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": true
>   }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
>   "counter_party": "FIRST_PARTY",
>   "country": "SGP",
>   "currency": "USD",
>   "account_holder": {
>     "type": "INDIVIDUAL",
>     "first_name": "Michael",
>     "last_name": "Connor",
>     "email": "michael.oconnor@example.com",
>     "phone": "+6591234567"
>   },
>   "bank_account": {
>     "bank_name": "DBS Bank",
>     "number": "1234567890",
>     "scheme": "SWIFT",
>     "type": "SAVINGS"
>   },
>   "bank_address": {
>     "street_line_1": "12 Marina Boulevard",
>     "city": "Singapore",
>     "state": "SG-02",
>     "postcode": "018982",
>     "country": "SGP"
>   },
>   "account_holder_address": {
>     "street_line_1": "5 Shenton Way",
>     "city": "Singapore",
>     "state": "SG-02",
>     "postcode": "068808",
>     "country": "SGP"
>   },
>   "receiver_meta_data": {
>     "nationality": "SGP",
>     "transaction_purpose_id": 1,
>     "transaction_purpose_remarks": "Send to Family & Friends",
>     "occupation_id": 504,
>     "occupation_remarks": "Software quality assurance analyst and tester",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Family & Friends"
>   },
>   "bank_routing": [
>     {
>       "scheme": "SWIFT",
>       "number": "DBSSSGSG"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 3499
>     }
>   ],
>   "developer_fee": {
>     "fixed": 1.25,
>     "percentage": 0.45
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```

> [accordion] USA — United States
>
> **Allowed currencies:** `USD`
>
> **Bank account**
>
> | Field | Value |
> | :- | :- |
> | Schemes | `LOCAL`, `SWIFT` |
> | Number regex | `^[0-9]{4,17}$` |
> | Account types | `CHECKING`, `SAVINGS` |
>
> **Bank routing**
>
> | Scheme | Regex | Required when |
> | :- | :- | :- |
> | `ACH` | `^[0-9]{9}$` | `conditional` |
> | `FEDWIRE` | `^[0-9]{9}$` | `conditional` |
> | `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
> | `BANK_IDENTIFIER` | `^[0-9]{1}$` | `always` |
>
> ```json Local (ACH) theme={null}
> {
>   "customer_id": "8e08ca88-df60-41e7-b1ed-ff8f95480ff0",
>   "counter_party": "FIRST_PARTY",
>   "country": "USA",
>   "currency": "USD",
>   "account_holder": {
>     "type": "BUSINESS",
>     "business_name": "Rivertel",
>     "email": "rivertel@rivertel.com",
>     "phone": "+1041555526"
>   },
>   "bank_account": {
>     "bank_name": "Column NA - Brex",
>     "number": "202063425871811",
>     "scheme": "LOCAL",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "7409 37th Ave Ste 403",
>     "city": "Jackson Heights",
>     "state": "US-CA",
>     "postcode": "11372",
>     "country": "USA"
>   },
>   "account_holder_address": {
>     "street_line_1": "7409 37th Ave Ste 403",
>     "city": "Jackson Heights",
>     "state": "US-CA",
>     "postcode": "11372",
>     "country": "USA"
>   },
>   "receiver_meta_data": {
>     "nationality": "USA",
>     "transaction_purpose_id": 15,
>     "transaction_purpose_remarks": "Business payment",
>     "relationship": "FAMILY_MEMBER",
>     "relationship_remarks": "Corporate beneficiary"
>   },
>   "bank_routing": [
>     {
>       "scheme": "ACH",
>       "number": "121145349"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": "1"
>     }
>   ],
>   "developer_fee": {
>     "fixed": null,
>     "percentage": 0.65
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x838c562c55c4e515417ea15b852ffa2bded9b990",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": false
>   }
> }
> ```
>
> ```json SWIFT theme={null}
> {
>   "customer_id": "{{customer_id}}",
>   "counter_party": "FIRST_PARTY",
>   "country": "USA",
>   "currency": "USD",
>   "account_holder": {
>     "type": "BUSINESS",
>     "business_name": "Meridian Cargo Solutions LLC",
>     "email": "accounts@meridiancargosolutions.com",
>     "phone": "+17189042371"
>   },
>   "bank_account": {
>     "bank_name": "Column NA - Brex",
>     "number": "787212236285345",
>     "scheme": "SWIFT",
>     "type": "CHECKING"
>   },
>   "bank_address": {
>     "street_line_1": "1 Letterman Drive A Suite A4-700",
>     "city": "San Francisco",
>     "state": "US-CA",
>     "postcode": "94129",
>     "country": "USA"
>   },
>   "account_holder_address": {
>     "street_line_1": "8437 170th St",
>     "city": "Jamaica",
>     "state": "US-NY",
>     "postcode": "11432",
>     "country": "USA"
>   },
>   "receiver_meta_data": {
>     "nationality": "USA",
>     "transaction_purpose_id": 14,
>     "transaction_purpose_remarks": "International trade payment for logistics and freight services",
>     "relationship": "FRIEND",
>     "relationship_remarks": "Corporate beneficiary"
>   },
>   "bank_routing": [
>     {
>       "scheme": "ACH",
>       "number": "121145349"
>     },
>     {
>       "scheme": "SWIFT",
>       "number": "CLNOUS66BRX"
>     },
>     {
>       "scheme": "BANK_IDENTIFIER",
>       "number": 3498
>     }
>   ],
>   "developer_fee": {
>     "fixed": 0,
>     "percentage": 0
>   },
>   "deposit_instruction": {
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "refund_instruction": {
>     "wallet_address": "0x4e9ce36e442e55ecd9025b9a6e0d88485d628a67",
>     "currency": "USDC",
>     "rail": "POLYGON"
>   },
>   "settlement_config": {
>     "auto_settlement": true
>   }
> }
> ```


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