---
title: "Customer beneficiary"
method: POST
path: "/ledger/fiat-beneficiaries"
tags: ["ledger-beneficiaries"]
---

# Customer beneficiary

`POST /ledger/fiat-beneficiaries`

This Operation allows user to save beneficiary

## Request body

- CreateBeneficiaryRequest — create beneficiary for customer
  - `accountNumber` string, required — Beneficiary account number, for international payments like SEPA, this is the IBAN, and for Mobile Money, this is the phone number.
  - `accountName` string, required — Beneficiary account name
  - `currency` string, required
  - `beneficiaryType` string, required — Discriminator value for beneficiary type. Possible values are: - CreateLocalBankAccountBeneficiary: Local bank transfer beneficiary, maps to BeneficiaryLocalBankAccount - CreateSepaBankAccountBeneficiary: SEPA instant and standard transfer beneficiary. Use this for beneficiaries that will receive SEPA payments. Maps to BeneficiarySepaBankAccount - CreateACHBankAccountBeneficiary: ACH, FedWire and FedNow transfer beneficiary. Maps to BeneficiaryACHBankAccount - CreateSwiftBankAccountBeneficiary: SWIFT transfer beneficiary. Maps to BeneficiarySwiftBankAccount - CreateMobileWalletAccountBeneficiary: Use this for beneficiaries that will receive mobile wallet payments. Maps to BeneficiaryMobileWalletAccount.
  - `isThirdParty` boolean — Flag to indicate if the beneficiary is a third party
  - `accountHolderType` 'INDIVIDUAL' | 'BUSINESS', required
  - `paymentChannelId` string, required — To get the payment channels available, call the /currencies endpoint. The payment channel ID to be used for transfer to this beneficiary. The payment channel ID and the beneficiaryType are mutually exclusive. For example BANK_TRANSFER_NIGERIA uses CreateLocalBankAccountBeneficiary

## Response `201`

Beneficiary details saved successfully

- Beneficiary — Fiat beneficiary object
  - `id` string, uuid, required — Beneficiary identifier
  - `accountNumber` string, required — Beneficiary account number, for international payments like SEPA, this is the IBAN
  - `accountName` string, required — Beneficiary account name
  - `currency` string, required
  - `beneficiaryType` string — Discriminator value for beneficiary type. Allowed values include: - BeneficiaryLocalBankAccount - BeneficiarySepaBankAccount - BeneficiaryACHBankAccount - BeneficiarySwiftBankAccount - BeneficiaryMobileWalletAccount
  - `isThirdParty` boolean — Flag to indicate if the beneficiary is a third party
  - `accountHolderType` 'INDIVIDUAL' | 'BUSINESS', required

## Other responses

- `400` — Request could not be validated
- `401` — Client is not authorized to make request
- `403` — Expected permission is not available.
- `default` — Internal Server Error

---

[API](https://skmtc.net/nestechops/apis/onboard-external-api-gateway.md) · [All operations](https://skmtc.net/nestechops/apis/onboard-external-api-gateway/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/nestechops/onboard-external-api-gateway/revisions/76329919f8a7/schema)