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

# Response by currency

> Which funding-instruction fields each currency returns, with a full body for every one

Six currencies can be opened today. **The response shape never changes** — what
changes is which coordinate fields inside `payoutRails[]` are populated, decided by
the provider behind the currency. Fields that do not apply are **omitted entirely,
not returned as `null`.**

These are all [Get account](/api-reference/accounts/get-account) bodies — the only
endpoint that reliably returns funding instructions.

## Field matrix

| Currency | `payoutRail` | `accountNumber` | `sortCode` | `iban` | `bic` | `routingNumber` | `clabe` | `brCode` | `bank.name` | `bank.address` | `destination` | Fee shape |
| - | - | - | - | - | - | - | - | - | - | - | - | - |
| **USD** | `ach_push` `wire` `swift` | ● | — | — | ● | ● | — | — | ● | ● | ● | per-rail |
| **EUR** | `sepa` | — | — | ● | ● | — | — | — | ● | ● | ● | per-rail |
| **GBP** | `faster_payments` | ● | ● | — | — | — | — | — | ● | ● | ● | currency-wide |
| **MXN** | `spei` | ◐ | — | — | — | — | ● | — | ● | ● | ● | currency-wide |
| **BRL** | `pix` | ◐ | — | — | — | — | — | ● | ● | ● | ● | currency-wide |
| **AED · FIAT** | `uaefts` `uaeipp` | — | — | ● | ● | — | — | — | ● | — | — | note only |
| **AED · ONRAMP** | `uaefts` `uaeipp` | — | — | ● | ● | — | — | — | ● | — | ● | per-rail |

● always present · ◐ may or may not be present · — never present

<Note>
  * `bank.addressDetails` is absent for every currency. Read `bank.address` instead.
  * `paymentReference` is absent for every currency. Do not build deposit attribution on it.
  * `◐` means the field may or may not be present — write your integration to tolerate either.
  * Rail sets are not a fixed contract and can change. Iterate `payoutRails` rather than indexing into it.
</Note>

## Get account — a `200` per currency

### USD

**Rails:** ACH + Wire + SWIFT · **Category:** `ONRAMP`

All three rails carry the same account number and routing number; `swift` adds a `bic` on top for international senders. `beneficiaryName` is the provider's legal entity, not your customer.

```json USD theme={null}
{
  "id": "acct_8f2a1c4e9b7d43a6",
  "name": "USD Account",
  "displayName": "Operating USD",
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "USD",
  "balance": { "amount": "12450.00", "currency": "USD" },
  "createdAt": "2026-09-02T11:41:07Z",
  "updatedAt": "2026-09-18T08:12:55Z",
  "fundingInstructions": {
    "source": {
      "currency": "USD",
      "beneficiaryName": "Zayment Finance Sp. z o.o.",
      "payoutRails": [
        {
          "payoutRail": "ach_push",
          "accountNumber": "213774930314",
          "routingNumber": "101019644",
          "bank": {
            "name": "Lead Bank",
            "address": "1801 Main St., Kansas City, MO 64108"
          },
          "depositFee": { "percentage": "0.5" }
        },
        {
          "payoutRail": "wire",
          "accountNumber": "213774930314",
          "routingNumber": "101019644",
          "bank": {
            "name": "Lead Bank",
            "address": "1801 Main St., Kansas City, MO 64108"
          },
          "depositFee": { "percentage": "0.5", "amount": "10.00", "currency": "USD" }
        },
        {
          "payoutRail": "swift",
          "accountNumber": "213774930314",
          "routingNumber": "101019644",
          "bic": "LEADUS33XXX",
          "bank": {
            "name": "Lead Bank",
            "address": "1801 Main St., Kansas City, MO 64108"
          },
          "depositFee": { "percentage": "0.5", "amount": "10.00", "currency": "USD" }
        }
      ]
    },
    "destination": { "asset": "USDC", "chain": "base" }
  }
}
```

### EUR

**Rails:** SEPA · **Category:** `ONRAMP`

IBAN + BIC. `beneficiaryName` is overridden with the real customer name for EUR and GBP.

```json EUR theme={null}
{
  "id": "acct_3b91d7f0a25c48e1",
  "name": "EUR Account",
  "displayName": null,
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "EUR",
  "balance": { "amount": "0.00", "currency": "EUR" },
  "createdAt": "2026-09-04T09:20:11Z",
  "updatedAt": "2026-09-04T09:20:11Z",
  "fundingInstructions": {
    "source": {
      "currency": "EUR",
      "beneficiaryName": "Acme Trading Ltd",
      "payoutRails": [
        {
          "payoutRail": "sepa",
          "iban": "DE89370400440532013000",
          "bic": "MONZGB2L",
          "bank": {
            "name": "Banking Circle S.A.",
            "address": "2 Boulevard de la Foire, 1528 Luxembourg, LU"
          },
          "depositFee": { "percentage": "0.5" }
        }
      ]
    },
    "destination": { "asset": "USDC", "chain": "base" }
  }
}
```

### GBP

**Rails:** Faster Payments · **Category:** `ONRAMP`

Sort code + account number. GBP, MXN and BRL are priced by a single currency-wide fee that applies to every rail.

```json GBP theme={null}
{
  "id": "acct_c17e4a9026bd4f38",
  "name": "GBP Account",
  "displayName": "UK collections",
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "GBP",
  "balance": { "amount": "100.00", "currency": "GBP" },
  "createdAt": "2026-09-02T11:41:07Z",
  "updatedAt": "2026-09-18T08:12:55Z",
  "fundingInstructions": {
    "source": {
      "currency": "GBP",
      "beneficiaryName": "Acme Trading Ltd",
      "payoutRails": [
        {
          "payoutRail": "faster_payments",
          "accountNumber": "25749157",
          "sortCode": "041307",
          "bank": {
            "name": "Banking Circle S.A.",
            "address": "2 Boulevard de la Foire, 1528 Luxembourg, LU"
          },
          "depositFee": { "percentage": "0.75" }
        }
      ]
    },
    "destination": { "asset": "USDC", "chain": "base" }
  }
}
```

### MXN

**Rails:** SPEI · **Category:** `ONRAMP`

CLABE is the payment coordinate. Whether an `accountNumber` also appears alongside it is the provider's choice — handle both.

```json MXN theme={null}
{
  "id": "acct_5d0b8e63af114c27",
  "name": "MXN Account",
  "displayName": null,
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "MXN",
  "balance": { "amount": "0.00", "currency": "MXN" },
  "createdAt": "2026-09-06T14:02:33Z",
  "updatedAt": "2026-09-06T14:02:33Z",
  "fundingInstructions": {
    "source": {
      "currency": "MXN",
      "beneficiaryName": "Zayment Finance Sp. z o.o.",
      "payoutRails": [
        {
          "payoutRail": "spei",
          "clabe": "646180157000000004",
          "bank": { "name": "STP" },
          "depositFee": { "percentage": "1" }
        }
      ]
    },
    "destination": { "asset": "USDC", "chain": "base" }
  }
}
```

### BRL

**Rails:** PIX · **Category:** `ONRAMP`

`brCode` is the full PIX BR Code payload — render it as a QR code for the payer.

```json BRL theme={null}
{
  "id": "acct_a4c62f10de9b47b5",
  "name": "BRL Account",
  "displayName": null,
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "BRL",
  "balance": { "amount": "0.00", "currency": "BRL" },
  "createdAt": "2026-09-07T10:15:44Z",
  "updatedAt": "2026-09-07T10:15:44Z",
  "fundingInstructions": {
    "source": {
      "currency": "BRL",
      "beneficiaryName": "Zayment Finance Sp. z o.o.",
      "payoutRails": [
        {
          "payoutRail": "pix",
          "brCode": "00020126580014br.gov.bcb.pix0136123e4567-e12b-12d1-a456-4266554400005204000053039865802BR5913Endl Pagamentos6008Sao Paulo62070503***6304A1B2",
          "bank": { "name": "Banco Genial" },
          "depositFee": { "percentage": "1" }
        }
      ]
    },
    "destination": { "asset": "USDC", "chain": "base" }
  }
}
```

### AED · FIAT

**Rails:** UAEFTS + UAEIPP · **Category:** `FIAT`

A FIAT account holds what it receives, so there is **no `destination`**. AED FIAT is the only case that carries `depositFeeNote` instead of per-rail `depositFee`. Bank address is not returned for AED.

```json AED FIAT theme={null}
{
  "id": "acct_7e3f95b2c08a416d",
  "name": "AED Account",
  "displayName": "Dirham balance",
  "status": "ACTIVE",
  "category": "FIAT",
  "currency": "AED",
  "balance": { "amount": "9437.57", "currency": "AED" },
  "createdAt": "2026-08-21T06:55:02Z",
  "updatedAt": "2026-09-19T12:30:41Z",
  "fundingInstructions": {
    "source": {
      "currency": "AED",
      "beneficiaryName": "ACME TRADING LTD",
      "payoutRails": [
        {
          "payoutRail": "uaefts",
          "iban": "AE070331234567890123456",
          "bic": "ZANDAEAAXXX",
          "bank": { "name": "Zand Bank PJSC" }
        },
        {
          "payoutRail": "uaeipp",
          "iban": "AE070331234567890123456",
          "bic": "ZANDAEAAXXX",
          "bank": { "name": "Zand Bank PJSC" }
        }
      ]
    },
    "depositFeeNote": "Higher of 0.1% of the deposit amount or AED 11.02 (3$)"
  }
}
```

### AED · ONRAMP

**Rails:** UAEFTS + UAEIPP · **Category:** `ONRAMP`

Same rails as AED FIAT, but it gains `destination` and per-rail `depositFee`, and loses `depositFeeNote`. Defaults are USDT on Ethereum.

```json AED ONRAMP theme={null}
{
  "id": "acct_bb40c7d1e2f84a93",
  "name": "AED Ramp",
  "displayName": null,
  "status": "ACTIVE",
  "category": "ONRAMP",
  "currency": "AED",
  "balance": { "amount": "0.00", "currency": "AED" },
  "createdAt": "2026-08-21T06:55:02Z",
  "updatedAt": "2026-08-21T06:55:02Z",
  "fundingInstructions": {
    "source": {
      "currency": "AED",
      "beneficiaryName": "ACME TRADING LTD",
      "payoutRails": [
        {
          "payoutRail": "uaefts",
          "iban": "AE070331234567890123456",
          "bic": "ZANDAEAAXXX",
          "bank": { "name": "Zand Bank PJSC" },
          "depositFee": { "percentage": "0.1" }
        },
        {
          "payoutRail": "uaeipp",
          "iban": "AE070331234567890123456",
          "bic": "ZANDAEAAXXX",
          "bank": { "name": "Zand Bank PJSC" },
          "depositFee": { "percentage": "0.1" }
        }
      ]
    },
    "destination": { "asset": "USDT", "chain": "ethereum" }
  }
}
```