# Update a financial instrument

Update editable fields of a financial instrument including rail-specific details and labels.

The financialInstrumentType is immutable after creation.

Endpoint: PUT /v3/identities/{identity-id}/financial-instruments/{financial-instrument-id}
Version: 2026.03
Security: Bearer

## Path parameters:

  - `identity-id` (string, required)
    The unique ID of the identity.
    Example: "2f4ac57f-c5ba-4051-b51f-b3565778717b"

  - `financial-instrument-id` (string, required)
    The ID of the financial instrument to update.
    Example: "c7e2f5b4-d1a2-4c3a-9e1b-4d5c6f7e8a9d"

## Request fields (application/json):

  - `label` (string)
    A user-defined label for the financial instrument.
    Example: "mexico bank account"

  - `usAch` (object)
    Rails: RTP, ACH

Rail Definitions:

RTP:
  - Availability: 24/7/365
  - Limit: $5,000,000
  - Settlement: <5 minutes
  - Cut-off time: None
  - Banking holidays: Not applicable

ACH:
  - Availability: Business days only
  - Limit: $1,000,000
  - Settlement: Same-day
  - Cut-off time: 3:00 PM EST
  - Banking holidays: U.S. banking holidays apply

Routing Evaluation Order:

  1. RTP
     - Conditions: beneficiary account is RTP-addressable AND amount ≤ $5,000,000
  2. ACH
     - Conditions: otherwise applicable

  - `usAch.bankName` (string, required)
    The name of the identity's bank

  - `usAch.bankRoutingNumber` (string, required)
    The identity's bank routing number

  - `usAch.accountNumber` (string, required)
    The identity's account number into which the funds must be credited

  - `usAch.accountType` (string, required)
    The identity's account type.

  - `usFedwire` (object)
    Rails: FEDWIRE

Rail Definitions:

FEDWIRE:
  - Availability: U.S. business days and operating hours.
  - Limit: No limit
  - Settlement: Real-time gross settlement (typically within minutes).
  - Cut-off time: 5:00 p.m. ET; transfers submitted after cut-off queue for next business day.
  - Banking holidays: Follows the Federal Reserve holiday schedule.

  - `usFedwire.bankName` (string, required)
    The name of the identity's bank.

  - `usFedwire.bankRoutingNumber` (string, required)
    9-digit ABA Routing Transit Number (RTN) of the beneficiary's bank.

  - `usFedwire.accountNumber` (string, required)
    The identity's account number to be credited.

  - `mxSpei` (object)
    Rails: SPEI

Rail Definitions:

SPEI:
- Availability: 24/7/365
- Limit: None
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Not applicable

  - `mxSpei.bankName` (string, required)
    The name of the identity's bank

  - `mxSpei.clabe` (string, required)
    The identity's CLABE account identification code

  - `euSepa` (object)
    Rails: SCT Inst, SCT

Rail Definitions:

SCT Inst:
- Availability: 24/7/365
- Limit: €100,000 (bank-dependent)
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

SCT:
- Availability: Business days only
- Limit: No limit
- Settlement: T+2 to T+5 
- Cut-off time: 3:00PM GMT/BST
- Banking holidays: TARGET2 holidays apply

Routing Evaluation Order:

  1. SCT Inst  
     - Conditions: beneficiary account is SCT Inst-addressable AND amount ≤ €100,000
  2. SCT  
     - Conditions: otherwise applicable

  - `euSepa.bankName` (string, required)
    The name of the identity's bank

  - `euSepa.iban` (string, required)
    The International Bank Account Number (IBAN) of the identity's account

  - `gbFps` (object)
    Rails: FPS, CHAPS

Rail Definitions:

FPS:
- Availability: 24/7/365
- Limit: £1,000,000
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

CHAPS:
- Availability: Business days only
- Limit: No limit
- Settlement: Same-day
- Cut-off time: Typically 5:00 PM GMT/BST (bank-dependent)
- Banking holidays: UK banking holidays apply

Routing Evaluation Order:
  1. FPS  
     - Conditions: beneficiary account is FPS-addressable AND amount ≤ £1,000,000
  2. CHAPS  
     - Conditions: otherwise applicable

  - `gbFps.bankName` (string, required)
    The name of the identity's bank

  - `gbFps.sortCode` (string, required)
    The sort code of the identity's bank account

  - `gbFps.accountNumber` (string, required)
    The account number of the identity's bank account

  - `ngBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:

Bank Payout:
- Availability: Country-dependant
- Limit:
- Nigeria: ₦5,000,000
- Settlement: Real time to 48 hours
- Cut-off time: Real time
- Banking holidays: Nigeria banking holidays apply

Routing Evaluation Order: Not applicable

  - `ngBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `ngBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `ngBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `ghBankPayout` (object)
    Rails: GIP

Rail Definitions:
  GIP:
    - Availability: 24/7/365
    - Limit: ₵100,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. GIP – Conditions: Account addressability, amount ≤ ₵100,000

  - `ghBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `ghBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `ghBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `rwBankPayout` (object)
    Rails: RSwitch

Rail Definitions:
  RSwitch:
    - Availability: 24/7/365
    - Limit: RWF 10,000,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. RSwitch – Conditions: Account addressability, amount ≤ RWF 10,000,000

  - `rwBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `rwBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `rwBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `zaBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: R 300,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ R 300,000

  - `zaBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `zaBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `zaBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `ugBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: UGX 20,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ UGX 20,000

  - `ugBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `ugBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `ugBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `zmBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: ZK 150,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ ZK 150,000

  - `zmBankPayout.bankName` (string, required)
    The name of the identity's bank

  - `zmBankPayout.bankCode` (string, required)
    The bank code of the identity's bank

  - `zmBankPayout.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `ethWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `ethWallet.walletAddress` (string, required)
    Receiving wallet address at the exchange
    Example: "0x742d35Cc6634C0532925a3b844Bc454e4438f44e"

  - `ethWallet.cryptoInstitutionName` (string, required)
    Name of the crypto exchange
    Example: "Bitso"

  - `tronWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `tronWallet.walletAddress` (string, required)
    Receiving wallet address at the exchange
    Example: "T9yD14Nj9j7xAB4dbGeiX9h8unkKHxuWwb"

  - `tronWallet.cryptoInstitutionName` (string, required)
    Name of the crypto exchange
    Example: "Bitso"

  - `solWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `solWallet.walletAddress` (string, required)
    Receiving wallet address at the exchange
    Example: "7EcDhSYGxXyscszYEp35KHN8vvw3svAuLKTzXwCFLtV"

  - `solWallet.cryptoInstitutionName` (string, required)
    Name of the crypto exchange
    Example: "Bitso"

  - `brPix` (object)
    Rails: PIX

Rail Definitions:

PIX:
- Availability: 24/7/365
- Limit: No limit
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Not applicable

  - `brPix.bankName` (string, required)
    The name of the identity's bank

  - `brPix.bankCode` (string, required)
    The code of the identity's bank (BICFI code)

  - `brPix.branchNumber` (string, required)
    The identity's bank branch number

  - `brPix.pixKey` (string, required)
    The identity's PIX key, which can be an email, phone number, or a hash

  - `brPix.pixKeyType` (string, required)
    The type of PIX key used by the identity.

  - `coPse` (object)
    Rails: PSE

Rail Definitions:

PSE:
- Availability: Business days and banking hours only
- Limit: None
- Settlement: 
	- Major banks (Bancolombia, Davivienda, Banco de Bogotá, BBVA, Grupo Aval, Nequi): 35–100 min
	- Other banks (via ACH): Same-day or T+1 depending on cutoff
- Cut-off time: 3PM COT
- Banking holidays: Colombia banking holidays apply

Routing Evaluation Order: Not applicable

  - `coPse.bankName` (string, required)
    The name of the identity's bank

  - `coPse.bankCode` (string, required)
    The identity's bank identifier code

  - `coPse.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `coPse.accountType` (string, required)
    The type of account associated with the identity.

  - `brTed` (object)
    Rails: TED

Rail Definitions:

TED:
- Availability: Business days only
- Limit: No limit
- Settlement: Same-day
- Cut-off time: ~5:00 PM BRT 
- Banking holidays: Brazil banking holidays apply

Routing Evaluation Order: Not applicable

  - `brTed.bankName` (string, required)
    The name of the identity's bank

  - `brTed.bankCode` (string, required)
    The code of the identity's bank (BICFI code)

  - `brTed.branchNumber` (string, required)
    The branch number of the identity's bank account

  - `brTed.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `brTed.accountType` (string, required)
    The identity's account type (Savings, Checking etc.)
    Example: "SAVINGS"

  - `caEft` (object)
    Rails: EFT

Rail Definitions:

EFT:
- Availability: Business days only
- Limit: CAD 1,000,000
- Settlement: T+1
- Cut-off time: ~4:30 PM EST
- Banking holidays: Canadian banking holidays apply

Routing Evaluation Order: Not applicable

  - `caEft.bankName` (string, required)
    The name of the identity's bank

  - `caEft.institutionNumber` (string, required)
    The institution number of the identity's bank

  - `caEft.transitNumber` (string, required)
    The transit number of the identity's bank account

  - `caEft.accountNumber` (string, required)
    The identity's account number associated with the Account Identification Scheme

  - `caEft.accountType` (string, required)
    The identity's account type.

  - `hkBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:

Bank Payout:
- Availability: Business days only
- Limit: None
- Settlement: Same-day to T+1
- Cut-off time: Bank-dependent
- Banking holidays: Hong Kong banking holidays apply

Routing Evaluation Order: Not applicable

  - `hkBankPayout.bankName` (string, required)
    The name of the beneficiary's bank

  - `hkBankPayout.accountNumber` (string, required)
    Bank account number (BBAN)

  - `hkBankPayout.accountHolderName` (string, required)
    Name of the account holder

  - `hkBankPayout.swiftCode` (string, required)
    SWIFT/BIC code of the bank

  - `hkBankPayout.currency` (string)
    Currency code. Only HKD is supported for Hong Kong Bank Payout.

  - `cnTrade` (object)
    Rails: CNAPS, SIB (IBPS), CUP, NUCC

Rail Definitions:

CNAPS:
- Availability: Business days and banking hours only (HVPS); batch throughout day (BEPS)
- Limit: No limit (HVPS); CNY 50,000 (BEPS)
- Settlement: Same-day (HVPS real-time gross; BEPS batched)
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

SIB / IBPS (Super Internet Banking / Internet Banking Payment System):
- Availability: 24/7/365
- Limit: Varies by bank
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

NUCC (NetsUnion Clearing Corporation):
- Availability: 24/7/365
- Limit: Varies
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Determined at runtime based on transaction type, amount, and operational conditions. All rails use the same CNAPS bank codes for routing.

Purpose codes: GDDS (Goods), SCVE (Services) — trade-only.

  - `cnTrade.bankName` (string, required)
    Beneficiary Bank Name. Looked up from bankCode.

  - `cnTrade.bankCode` (string, required)
    Ripple Bank Code for the destination bank. Use the Ripple Bank Codes lookup at docs.ripple.com to find the correct code.

  - `cnTrade.branchName` (string, required)
    Beneficiary Branch Name (Hanzi). Branch name in Chinese Hanzi characters.

  - `cnTrade.branchProvince` (string, required)
    Beneficiary Bank Branch Province. Province/region codes — 34 values published on Docs (e.g., 110000=北京, 310000=上海).

  - `cnTrade.branchCity` (string, required)
    Beneficiary Bank Branch City. City codes — 700+ values published on Docs (e.g., 110000=北京, 130100=石家庄).

  - `cnTrade.accountNumber` (string, required)
    Beneficiary Account Number.

  - `cnTrade.accountHolderName` (string, required)
    Beneficiary Account Holder Name (Hanzi). Account name in Chinese Hanzi characters.

  - `cnIndividual` (object)
    Rails: CUP (China UnionPay), CNAPS

Rail Definitions:

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

CNAPS:
- Availability: Business days and banking hours only (HVPS); batch throughout day (BEPS)
- Limit: No limit (HVPS); CNY 30,000 limit to individuals;
- Settlement: Same-day (HVPS real-time gross; BEPS batched)
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

Routing Evaluation Order: Determined at runtime. CUP is the primary rail for card-based account routing. CNAPS may be used for bank account routing depending on account type.

  - `cnIndividual.bankName` (string, required)
    Beneficiary Bank Name in English. Published list available at docs.ripple.com.

  - `cnIndividual.bankCode` (string, required)
    Beneficiary Bank Code. Published bank code list at docs.ripple.com.

  - `cnIndividual.accountNumber` (string, required)
    Beneficiary Account Number.

  - `cnIndividualTrade` (object)
    Rails: CUP (China UnionPay)

Rail Definitions:

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable (24/7 service)

Routing: CUP routes using the card/account number directly.

  - `cnIndividualTrade.bankName` (string, required)
    Beneficiary Bank Name.

  - `cnIndividualTrade.accountNumber` (string, required)
    Beneficiary Account Number.

  - `cnIndividualTrade.accountHolderName` (string, required)
    Beneficiary Account Holder Name (Hanzi). Account name in Chinese Hanzi characters. For sole proprietors, bank account may be registered under business name.

  - `cnCfxps` (object)
    Rails: CFXPS (Cross-border Foreign Exchange Payment System)

Rail Definitions:

CFXPS:
- Availability: Business days and banking hours only
- Limit: No limit (institutional)
- Settlement: Same-day or next business day
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

  - `cnCfxps.bankName` (string, required)
    Beneficiary Bank Name. Looked up from swiftCode.

  - `cnCfxps.swiftCode` (string, required)
    Beneficiary Bank SWIFT/BIC Code. ~67 proprietary SWIFT codes (e.g., ICBKCNBJXXX, BKCHCNBJXXX, CMBCCNBSXXX).

  - `cnCfxps.accountNumber` (string, required)
    Beneficiary Account Number.

  - `cnCfxps.accountHolderName` (string, required)
    Beneficiary Account Holder Name (English).

## Response 200 fields (application/json):

  - `usAch` (object)
    Rails: RTP, ACH

Rail Definitions:

RTP:
  - Availability: 24/7/365
  - Limit: $5,000,000
  - Settlement: <5 minutes
  - Cut-off time: None
  - Banking holidays: Not applicable

ACH:
  - Availability: Business days only
  - Limit: $1,000,000
  - Settlement: Same-day
  - Cut-off time: 3:00 PM EST
  - Banking holidays: U.S. banking holidays apply

Routing Evaluation Order:

  1. RTP
     - Conditions: beneficiary account is RTP-addressable AND amount ≤ $5,000,000
  2. ACH
     - Conditions: otherwise applicable

  - `usFedwire` (object)
    Rails: FEDWIRE

Rail Definitions:

FEDWIRE:
  - Availability: U.S. business days and operating hours.
  - Limit: No limit
  - Settlement: Real-time gross settlement (typically within minutes).
  - Cut-off time: 5:00 p.m. ET; transfers submitted after cut-off queue for next business day.
  - Banking holidays: Follows the Federal Reserve holiday schedule.

  - `mxSpei` (object)
    Rails: SPEI

Rail Definitions:

SPEI:
- Availability: 24/7/365
- Limit: None
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Not applicable

  - `euSepa` (object)
    Rails: SCT Inst, SCT

Rail Definitions:

SCT Inst:
- Availability: 24/7/365
- Limit: €100,000 (bank-dependent)
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

SCT:
- Availability: Business days only
- Limit: No limit
- Settlement: T+2 to T+5 
- Cut-off time: 3:00PM GMT/BST
- Banking holidays: TARGET2 holidays apply

Routing Evaluation Order:

  1. SCT Inst  
     - Conditions: beneficiary account is SCT Inst-addressable AND amount ≤ €100,000
  2. SCT  
     - Conditions: otherwise applicable

  - `gbFps` (object)
    Rails: FPS, CHAPS

Rail Definitions:

FPS:
- Availability: 24/7/365
- Limit: £1,000,000
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

CHAPS:
- Availability: Business days only
- Limit: No limit
- Settlement: Same-day
- Cut-off time: Typically 5:00 PM GMT/BST (bank-dependent)
- Banking holidays: UK banking holidays apply

Routing Evaluation Order:
  1. FPS  
     - Conditions: beneficiary account is FPS-addressable AND amount ≤ £1,000,000
  2. CHAPS  
     - Conditions: otherwise applicable

  - `ngBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:

Bank Payout:
- Availability: Country-dependant
- Limit:
- Nigeria: ₦5,000,000
- Settlement: Real time to 48 hours
- Cut-off time: Real time
- Banking holidays: Nigeria banking holidays apply

Routing Evaluation Order: Not applicable

  - `ghBankPayout` (object)
    Rails: GIP

Rail Definitions:
  GIP:
    - Availability: 24/7/365
    - Limit: ₵100,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. GIP – Conditions: Account addressability, amount ≤ ₵100,000

  - `rwBankPayout` (object)
    Rails: RSwitch

Rail Definitions:
  RSwitch:
    - Availability: 24/7/365
    - Limit: RWF 10,000,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. RSwitch – Conditions: Account addressability, amount ≤ RWF 10,000,000

  - `zaBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: R 300,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ R 300,000

  - `ugBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: UGX 20,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ UGX 20,000

  - `zmBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:
  Bank Payout:
    - Availability: 24/7/365
    - Limit: ZK 150,000
    - Settlement: Real time to 48 hours
    - Cut-off time: Real time
    - Banking holidays: Applicable

Routing Evaluation Order:
  1. Bank Payout – Conditions: Account addressability, amount ≤ ZK 150,000

  - `ethWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `tronWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `solWallet` (object)
    Rails: CRYPTO

Rail Definitions:

CRYPTO:
  - Availability: 24/7/365
  - Limit: None
  - Settlement: Blockchain dependent
  - Cut-off time: None
  - Banking holidays: Not applicable

Routing Policy: Not applicable

  - `brPix` (object)
    Rails: PIX

Rail Definitions:

PIX:
- Availability: 24/7/365
- Limit: No limit
- Settlement: Instant
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Not applicable

  - `coPse` (object)
    Rails: PSE

Rail Definitions:

PSE:
- Availability: Business days and banking hours only
- Limit: None
- Settlement: 
	- Major banks (Bancolombia, Davivienda, Banco de Bogotá, BBVA, Grupo Aval, Nequi): 35–100 min
	- Other banks (via ACH): Same-day or T+1 depending on cutoff
- Cut-off time: 3PM COT
- Banking holidays: Colombia banking holidays apply

Routing Evaluation Order: Not applicable

  - `brTed` (object)
    Rails: TED

Rail Definitions:

TED:
- Availability: Business days only
- Limit: No limit
- Settlement: Same-day
- Cut-off time: ~5:00 PM BRT 
- Banking holidays: Brazil banking holidays apply

Routing Evaluation Order: Not applicable

  - `caEft` (object)
    Rails: EFT

Rail Definitions:

EFT:
- Availability: Business days only
- Limit: CAD 1,000,000
- Settlement: T+1
- Cut-off time: ~4:30 PM EST
- Banking holidays: Canadian banking holidays apply

Routing Evaluation Order: Not applicable

  - `hkBankPayout` (object)
    Rails: Bank Payout

Rail Definitions:

Bank Payout:
- Availability: Business days only
- Limit: None
- Settlement: Same-day to T+1
- Cut-off time: Bank-dependent
- Banking holidays: Hong Kong banking holidays apply

Routing Evaluation Order: Not applicable

  - `cnTrade` (object)
    Rails: CNAPS, SIB (IBPS), CUP, NUCC

Rail Definitions:

CNAPS:
- Availability: Business days and banking hours only (HVPS); batch throughout day (BEPS)
- Limit: No limit (HVPS); CNY 50,000 (BEPS)
- Settlement: Same-day (HVPS real-time gross; BEPS batched)
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

SIB / IBPS (Super Internet Banking / Internet Banking Payment System):
- Availability: 24/7/365
- Limit: Varies by bank
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

NUCC (NetsUnion Clearing Corporation):
- Availability: 24/7/365
- Limit: Varies
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

Routing Evaluation Order: Determined at runtime based on transaction type, amount, and operational conditions. All rails use the same CNAPS bank codes for routing.

Purpose codes: GDDS (Goods), SCVE (Services) — trade-only.

  - `cnIndividual` (object)
    Rails: CUP (China UnionPay), CNAPS

Rail Definitions:

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable

CNAPS:
- Availability: Business days and banking hours only (HVPS); batch throughout day (BEPS)
- Limit: No limit (HVPS); CNY 30,000 limit to individuals;
- Settlement: Same-day (HVPS real-time gross; BEPS batched)
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

Routing Evaluation Order: Determined at runtime. CUP is the primary rail for card-based account routing. CNAPS may be used for bank account routing depending on account type.

  - `cnIndividualTrade` (object)
    Rails: CUP (China UnionPay)

Rail Definitions:

CUP (China UnionPay):
- Availability: 24/7/365
- Limit: Varies by bank and account type
- Settlement: Real-time or near real-time
- Cut-off time: None
- Banking holidays: Not applicable (24/7 service)

Routing: CUP routes using the card/account number directly.

  - `cnCfxps` (object)
    Rails: CFXPS (Cross-border Foreign Exchange Payment System)

Rail Definitions:

CFXPS:
- Availability: Business days and banking hours only
- Limit: No limit (institutional)
- Settlement: Same-day or next business day
- Cut-off time: 5:00 PM CST (varies by bank)
- Banking holidays: China banking holidays apply

  - `currency` (string, required)
    The 3-letter ISO currency code of the financial instrument.
    Example: "MXN"

  - `label` (string)
    A user-defined label for the financial instrument.
    Example: "mexico bank account"

  - `financialInstrumentType` (string, required)
    The type of financial instrument or payment rail used for executing the transaction.
This determines the structure and validation of account details required for the payout.
    Example: "BR_PIX"

  - `country` (string)
    The 2-letter ISO 3166-1 alpha-2 country code of the financial instrument. For crypto wallet instruments (ETH_WALLET, TRON_WALLET, SOL_WALLET), this field returns ZZ, the ISO 3166-1 user-assigned code used when no country jurisdiction applies.
    Example: "MX"

  - `financialInstrumentId` (string, required)
    The unique identifier of the financial instrument.
    Example: "3fc74743-e7f3-414a-9fcf-eb8c1d52356a"

  - `createdAt` (string)
    The time at which the financial instrument was created
    Example: "2023-11-02T18:26:00.000Z"

  - `updatedAt` (string)
    The time at which the financial instrument was last updated
    Example: "2023-11-03T18:26:00.000Z"

## Response 400 fields (application/json):

  - `status` (integer, required)
    The HTTP status code of the error
    Example: 404

  - `errors` (array, required)

  - `errors.code` (string, required)
    Unique identifier of an error
    Example: "SYS_100"

  - `errors.title` (string, required)
    Error message providing a brief summary of the error
    Example: "No identity exists for identityId"

  - `errors.type` (string, required)
    Identifies the problem type
    Example: "USER_VALIDATION_ERROR"

  - `errors.description` (string, required)
    Provides more technical information
    Example: "Unable to get identity. Identity ID should be in UUID format"

  - `errors.timestamp` (string, required)
    The time when this error occurred, specified in UTC.
    Example: "2023-11-02T18:26:00.000123Z"

  - `timestamp` (string)
    The timestamp of the error
    Example: "2023-11-02T18:26:00.000Z"