Account Types Reference

USD Account Types

ACH (Domestic US Transfers)

Currency: USD Region: United States

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"ACH"`
`routing_number`	string	Yes	9 digits exactly
`account_number`	string	Yes	4+ characters
`type`	string	Yes	`"checking"` or `"savings"`
`bank_name`	string	Yes	Name of the bank
`bank_address`	string	Yes	Bank address (3+ characters)
`doc_type`	string	Yes	`"id"`, `"dni"`, `"passport"`, or `"ein"`
`doc_number`	string	Yes	Document number

Recipient-Level Requirements

email: Required
address: Required

Example

{
  "user_id": "550e8400-e29b-41d4-a716-446655440000",
  "first_name": "John",
  "last_name": "Doe",
  "email": "[email protected]",
  "address": "123 Main St, San Francisco, CA 94105",
  "account": {
    "account_type": "ACH",
    "routing_number": "021000021",
    "account_number": "123456789",
    "type": "checking",
    "bank_name": "JPMorgan Chase",
    "bank_address": "383 Madison Ave, New York, NY 10179",
    "doc_type": "passport",
    "doc_number": "AB1234567"
  }
}

WIRE (Wire Transfers)

Currency: USD Region: United States / International

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"WIRE"`
`routing_number`	string	Yes	9 digits exactly
`swift_code`	string	No	8 or 11 characters (optional)
`account_number`	string	Yes	4+ characters
`type`	string	Yes	`"checking"` or `"savings"`
`bank_name`	string	Yes	Name of the bank
`bank_address`	string	Yes	Bank address
`doc_type`	string	Yes	`"id"`, `"dni"`, `"passport"`, or `"ein"`
`doc_number`	string	Yes	Document number

Recipient-Level Requirements

email: Required
address: Required

SWIFT (International Transfers)

Currency: USD Region: International

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"SWIFT"`
`account_number`	string	Yes	IBAN or account number (4+ chars)
`swift_code`	string	Yes	8 or 11 characters
`bank_name`	string	Yes	Name of the bank
`bank_address`	string	Yes	Bank address
`country`	string	Yes	Country of the bank
`doc_type`	string	No	`"id"`, `"dni"`, `"passport"`, or `"ein"`
`doc_number`	string	No	Document number
`doc_country_code`	string	No	2-character country code

Recipient-Level Requirements

email: Required
phone: Required
address: Required

Mexico

SPEI (Mexican Bank Transfers)

Currency: MXN Region: Mexico

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"SPEI"`
`clabe`	string	Yes	Exactly 18 digits
`doc_type`	string	No	`"rfc"` or `"curp"`
`doc_number`	string	No	Document number

Validation Rules

CLABE must be exactly 18 digits
doc_type is case-insensitive

Example

{
  "user_id": "550e8400-e29b-41d4-a716-446655440000",
  "first_name": "Juan",
  "last_name": "García",
  "account": {
    "account_type": "SPEI",
    "clabe": "012345678901234567",
    "doc_type": "rfc",
    "doc_number": "GARC850101XXX"
  }
}

Colombia

PSE (Colombian Bank Transfers)

Currency: COP Region: Colombia

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"PSE"`
`account_number`	string	Yes	Bank account number
`bank_code`	string	Yes	Valid Colombian bank code
`type`	string	Yes	`"checking"` or `"savings"`
`doc_type`	string	Yes	`"nuip"`, `"passport"`, or `"nit"`
`doc_number`	string	Yes	Document number
`doc_country_code`	string	Yes	2 characters (typically `"CO"`)

Business Requirements

Business recipients must use doc_type: "nit"
When doc_type: "nit" is used, recipient is automatically set to business type

Example (Business)

{
  "user_id": "550e8400-e29b-41d4-a716-446655440000",
  "type": "business",
  "company_name": "Empresa ABC S.A.S.",
  "account": {
    "account_type": "PSE",
    "account_number": "1234567890",
    "bank_code": "007",
    "type": "checking",
    "doc_type": "nit",
    "doc_number": "900123456",
    "doc_country_code": "CO"
  }
}

Crypto

WALLET (Crypto Wallet Transfers)

Currency: USDC, USDT, COPm Region: Global

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"WALLET"`
`token`	string	Yes	`"USDC"`, `"USDT"`, or `"COPm"`
`network`	string	Yes	`"polygon"`, `"solana"`, or `"tron"`
`address`	string	Yes	Wallet address
`doc_type`	string	No	`"passport"`, `"national_id"`, or `"driver_license"`
`doc_number`	string	No	Document number

Valid Token/Network Combinations

Token	Network
USDC	polygon
USDC	solana
USDT	tron
COPm	polygon

Address Validation

Addresses are validated against network-specific patterns
Invalid addresses will be rejected

Example

{
  "user_id": "550e8400-e29b-41d4-a716-446655440000",
  "first_name": "John",
  "last_name": "Doe",
  "account": {
    "account_type": "WALLET",
    "token": "USDC",
    "network": "polygon",
    "address": "0x1234567890123456789012345678901234567890"
  }
}

Argentina

ARS (Argentine Peso Transfers)

Currency: ARS Region: Argentina

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"ARS"`
`account_number`	string	Yes	18-22 digits (CBU)
`bank_code`	string	Yes	2-4 digits
`type`	string	Yes	`"checking"` or `"savings"`
`doc_type`	string	Yes	`"cuil"` (individual) or `"cuit"` (business)
`doc_number`	string	Yes	Exactly 11 digits
`doc_country_code`	string	Yes	Must be `"AR"`

Business Requirements

Business recipients must use doc_type: "cuit"
doc_number must be exactly 11 digits

Brazil

BRL (Brazilian Real via PIX)

Currency: BRL Region: Brazil

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"BRL"`
`account_number`	string	Yes	PIX key (11-50 characters)
`pix_key_type`	string	Yes	See PIX key types below
`city`	string	Yes	City name (3-50 characters)
`doc_type`	string	Yes	`"cpf"` (individual) or `"cnpj"` (business)
`doc_number`	string	Yes	CPF: 11 digits, CNPJ: 14 digits
`doc_country_code`	string	Yes	Must be `"BR"`

PIX Key Types

Type	Description
`code_cpf`	CPF number
`code_cnpj`	CNPJ number
`email`	Email address
`random_key`	Random PIX key
`phone_number`	Phone number

Business Requirements

Must use pix_key_type: "code_cnpj"
account_number must be exactly 14 characters
doc_type must be "cnpj"
doc_number must be exactly 14 digits

Example (Individual)

{
  "user_id": "550e8400-e29b-41d4-a716-446655440000",
  "first_name": "João",
  "last_name": "Silva",
  "account": {
    "account_type": "BRL",
    "account_number": "12345678901",
    "pix_key_type": "code_cpf",
    "city": "São Paulo",
    "doc_type": "cpf",
    "doc_number": "12345678901",
    "doc_country_code": "BR"
  }
}

Chile

CLP (Chilean Peso Transfers)

Currency: CLP Region: Chile

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"CLP"`
`account_number`	string	Yes	7-18 digits
`bank_code`	string	Yes	2-4 digits
`type`	string	Yes	`"Cuenta corriente"`, `"Cuenta de ahorros"`, or `"Cuenta Vista"`
`doc_type`	string	Yes	Must be `"rut"`
`doc_number`	string	Yes	6-13 characters (9 for business)
`doc_country_code`	string	Yes	Must be `"CL"`

Business Requirements

doc_number must be exactly 9 characters

Peru

PEN (Peruvian Sol Transfers)

Currency: PEN Region: Peru

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"PEN"`
`account_number`	string	Yes	Exactly 20 digits
`bank_code`	string	Yes	2-4 digits
`type`	string	Yes	`"checking"` or `"savings"`
`city`	string	Yes	City name (3-50 characters)
`doc_type`	string	Yes	`"dni"`, `"ce"`, `"passport"`, or `"ruc"`
`doc_number`	string	Yes	6-11 characters (11 for business)
`doc_country_code`	string	Yes	2 characters

Business Requirements

Must use doc_type: "ruc"
doc_number must be exactly 11 characters

PEUSD (USD Transfers in Peru)

Same structure as PEN but for USD denominated accounts.

Uruguay

UYU (Uruguayan Peso Transfers)

Currency: UYU Region: Uruguay

Account Fields

Field	Type	Required	Description
`account_type`	string	Yes	Must be `"UYU"`
`account_number`	string	Yes	7-16 digits
`bank_code`	string	Yes	2-4 digits
`type`	string	Yes	`"checking"` or `"savings"`
`doc_type`	string	Yes	`"ci"`, `"de"`, `"passport"`, or `"rut"`
`doc_number`	string	Yes	6-12 characters (12 for business)
`doc_country_code`	string	Yes	2 characters

Business Requirements

Must use doc_type: "rut"
doc_number must be exactly 12 characters

Other LATAM Countries

DOP (Dominican Republic)

Currency: DOP

Field	Required	Notes
`account_number`	Yes	7-20 digits
`bank_code`	Yes	2-4 characters
`type`	Yes	`"checking"` or `"savings"`
`doc_type`	Yes	`"ce"`, `"passport"`, or `"rn"`
`doc_number`	Yes	7-12 characters

ECUSD (Ecuador)

Currency: USD

Field	Required	Notes
`account_number`	Yes	7-30 digits
`bank_code`	Yes	2-4 characters
`type`	Yes	`"checking"` or `"savings"`
`city`	Yes	3-50 characters
`doc_type`	Yes	`"ci"`, `"ce"`, `"passport"`, or `"ruc"`
`doc_number`	Yes	8-13 characters (13 for business/RUC)

CRC (Costa Rica)

Currency: CRC

Business must use doc_type: "cj"

GTQ (Guatemala)

Currency: GTQ

Business must use doc_type: "nit"

PAUSD (Panama)

Currency: USD

Business must use doc_type: "ruc"

PYG (Paraguay)

Currency: PYG

Business must use doc_type: "ruc"

SVUSD (El Salvador)

Currency: USD

Business must use doc_type: "nit"

Required Fields Summary

By Account Type

Account Type	email	phone	address	doc_number
SPEI	No	No	No	Optional
WALLET	No	No	No	Optional
PSE	No	No	No	Required
ACH	Required	No	Required	Required
WIRE	Required	No	Required	Required
SWIFT	Required	Required	Required	Optional
ARS	No	No	No	Required
BRL	No	No	No	Required
CLP	No	No	No	Required
PEN/PEUSD	No	No	No	Required
UYU	No	No	No	Required

Business Document Types

Country	Account Type	Required doc_type
Colombia	PSE	nit
Brazil	BRL	cnpj
Argentina	ARS	cuit
Chile	CLP	rut
Peru	PEN/PEUSD	ruc
Uruguay	UYU	rut
Ecuador	ECUSD	ruc
Costa Rica	CRC	cj
Guatemala	GTQ	nit
Panama	PAUSD	ruc
Paraguay	PYG	ruc
El Salvador	SVUSD	nit

Support

Email: [email protected]
Recipient Guide: recipients.md