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A beneficiary is a saved payout recipient — a person or business with a mobile money account or bank account that can receive fiat payouts. Beneficiaries are scoped to your integrator workspace. You create them once and reference them by beneficiary_id in quotes and transactions.

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Creating a beneficiary

POST /api/beneficiaries
Required fields vary by payout method:
Payout methodRequired fields
MOBILE_MONEYphone_number, network, country
BANK_TRANSFERaccount_number, bank_code, country

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Beneficiary validation

EQX performs lightweight format validation at creation time. Full account verification (e.g. confirming the mobile number is registered with the network) happens asynchronously as part of the first payout — it is not a separate verification step.

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Re-using beneficiaries

The same beneficiary can be the target of multiple transactions. There is no limit on how many transactions a beneficiary can receive.

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Deleting a beneficiary

Deleting a beneficiary does not affect historical transactions that referenced it. Past transaction records retain the beneficiary details at the time of the transaction.