The Beneficiary object
The shape of a beneficiary wherever the API returns one.
Every endpoint that returns a beneficiary returns this shape, wrapped in a data envelope.
Attributes
id
uuid · always presentWhat you pay this destination by.
type
enum · always present— One of: bank, mobile_money, paybill, paytill, swift, ach, wire.
country
string · always present—
currency
string · always present—
account_masked
string · always presentLast four digits of the account.
label
string · optionalYour note for this destination.
bank_code
string · optionalBank code, or the network for mobile money.
business_code
string · optionalThe second identifier where needed - the M-Pesa paybill number.
name_verified
boolean · always presentWhether the account holder's name was confirmed by lookup.
usable
boolean · always presentWhether this destination can be paid now. A new destination waits out a short cooling-off period.
usable_at
timestamp · optionalWhen the cooling-off period ends. Present only while usable is false.
created_at
timestamp · always present—
{
"id": "0d6c2f3a-1b4e-4c9a-9f2d-7a1e5c8b3d60",
"type": "bank",
"country": "GH",
"currency": "GHS",
"account_masked": "**** 3456",
"label": "<label>",
"bank_code": "MTN",
"business_code": "<business_code>",
"name_verified": "<name_verified>",
"usable": "<usable>",
"usable_at": "2026-09-01T10:04:11Z",
"created_at": "2026-09-01T10:04:11Z"
}