curl --request POST \
  --url https://sandbox.api.fin.com/v2/beneficiaries \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "customer_id": "cust_123456",
  "country": "USA",
  "currency": "USD",
  "account_holder": {
    "type": "INDIVIDUAL",
    "first_name": "John",
    "last_name": "Doe",
    "email": "[email protected]",
    "phone": "+1234567890"
  },
  "bank_account": {
    "bank_name": "Chase Bank",
    "number": "1234567890",
    "scheme": "LOCAL",
    "type": "CHECKING"
  },
  "bank_routing": [
    {
      "scheme": "ACH",
      "number": "021000021"
    }
  ],
  "bank_address": {
    "street_line_1": "123 Bank Street",
    "city": "New York",
    "state": "US-NY",
    "postcode": "10001",
    "country": "USA",
    "street_line_2": "Suite 100"
  },
  "account_holder_address": {
    "street_line_1": "456 Main Street",
    "city": "Brooklyn",
    "state": "US-NY",
    "postcode": "11201",
    "country": "USA",
    "street_line_2": "Apt 5B"
  },
  "receiver_meta_data": {
    "transaction_purpose_id": 1,
    "occupation_remarks": "Software Engineer",
    "relationship": "EMPLOYEE",
    "nationality": "USA",
    "govt_id_issuance_date": "2020-01-15",
    "govt_id_number": "123456789",
    "govt_id_expiry_date": "2030-01-15",
    "transaction_purpose_remarks": "Monthly salary payment",
    "occupation_id": 5,
    "relationship_remarks": "Long-term contractor"
  },
  "developer_fee": {
    "fixed": 5,
    "percentage": "2.5"
  },
  "deposit_instruction": {
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "refund_instruction": {
    "wallet_address": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
    "currency": "USDC",
    "rail": "POLYGON"
  },
  "settlement_config": {
    "auto_settlement": true
  }
}
'

{
  "data": {
    "id": "ben_123456",
    "status": "active"
  }
}