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

# The recipient object

A recipient is somewhere money can be sent — a person or a company, plus the account details a payout needs. You create one once and reference it by `recipient_id` on every payout and quotation afterwards.

Which name fields come back depends on whether the recipient is a person or a company, and `account_details` changes shape entirely with the rail.

## Example

```json theme={null}
{
  "recipient_id": "cccccccc-dddd-eeee-ffff-000000000000",
  "type": "business",
  "company_name": "Acme Supplies LLC",
  "email": "ap@example.com",
  "address": {
    "street_name": "500 Howard Street",
    "city": "San Francisco",
    "state": "CA",
    "postal_code": "94105",
    "country": "US"
  },
  "account_type": "WIRE",
  "account_details": {
    "routing_number": "000000001",
    "account_number": "1000000001",
    "type": "checking",
    "bank_name": "Example Bank National Association",
    "doc_type": "ein",
    "doc_number": "123456789"
  },
  "created_ts": "2026-09-01T12:00:00.000Z",
  "updated_ts": "2026-09-01T12:00:00.000Z",
  "metadata": {}
}
```

## Who the recipient is

| Field          | Type              | Description                                                                                           |
| -------------- | ----------------- | ----------------------------------------------------------------------------------------------------- |
| `recipient_id` | string, uuid      | The recipient's identifier. Send it on a payout or a quotation.                                       |
| `type`         | string            | Whether the recipient is a person or a company. [Values](/reference/recipients/values#recipient-type) |
| `first_name`   | string            | Given name. On a person.                                                                              |
| `middle_name`  | string            | Middle name. On a person, when provided.                                                              |
| `last_name`    | string            | Family name. On a person.                                                                             |
| `company_name` | string            | Registered name. On a company.                                                                        |
| `email`        | string            | Email address.                                                                                        |
| `phone`        | string            | Phone number.                                                                                         |
| `address`      | object            | The recipient's own address, which is not the bank's.                                                 |
| `metadata`     | object            | Key-value pairs you attached. `{}` when you attached none — see [Metadata](/reference/metadata).      |
| `created_ts`   | string, date-time | When the recipient was created, ISO 8601.                                                             |
| `updated_ts`   | string, date-time | When it last changed, ISO 8601.                                                                       |

## Where the money goes

| Field             | Type   | Description                                                                          |
| ----------------- | ------ | ------------------------------------------------------------------------------------ |
| `account_type`    | string | Which rail the money travels on. [Values](/reference/recipients/values#account_type) |
| `account_details` | object | Where the money goes. Its fields depend on `account_type`.                           |

`account_details` is a different object per rail, so read `account_type` first and branch on it:

| `account_type` | What `account_details` carries                                                                                                                          |
| -------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `WALLET`       | `token`, `address`, `network` — see [Token](/reference/recipients/values#recipient-token) and [Network](/reference/recipients/values#recipient-network) |
| `ACH`          | `account_number`, `routing_number`, `type`, `bank_name`, `bank_address`                                                                                 |
| `WIRE`         | The same as `ACH`, plus `swift_code`                                                                                                                    |

All three also carry `doc_type` and `doc_number`, the identifying document of the account holder.