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

# Beneficiaries

A fiat beneficiary represents a specific payout destination — a bank account
or mobile wallet — tied to a **currency** and a **payment channel**. The
payment channel ID tells Onboard exactly how to route the payout (e.g. SEPA
vs. local bank transfer for EUR), and determines which beneficiary fields are
required.

## Currencies and payment channels

Each currency supports one or more payment channels, and each channel maps to
a specific beneficiary type:

| Currency | Payment Channel           | Channel ID                | Beneficiary Type                 |
| -------- | ------------------------- | ------------------------- | -------------------------------- |
| EUR      | SEPA - International      | `BANK_TRANSFER_SEPA`      | `BeneficiarySepaBankAccount`     |
| GBP      | Fast Payment UK           | `BANK_TRANSFER_UK`        | `BeneficiaryLocalBankAccount`    |
| GHS      | Vodafone Cash             | `VODAFONE_CASH`           | `BeneficiaryMobileWalletAccount` |
| GHS      | Telecel Ghana             | `TELECEL_GHANA`           | `BeneficiaryMobileWalletAccount` |
| GHS      | Bank Transfer - Ghana     | `BANK_TRANSFER_GHANA`     | `BeneficiaryLocalBankAccount`    |
| GHS      | AirtelTigo Ghana          | `AIRTEL_TIGO_GHANA`       | `BeneficiaryMobileWalletAccount` |
| GHS      | Zeepay                    | `ZEEPAY`                  | `BeneficiaryMobileWalletAccount` |
| GHS      | MTN Mobile Money - Ghana  | `MTN_MOBILE_MONEY_GH`     | `BeneficiaryMobileWalletAccount` |
| IDR      | Gopay                     | `GOPAY_IN`                | `BeneficiaryMobileWalletAccount` |
| IDR      | DANA                      | `DANA_IN`                 | `BeneficiaryMobileWalletAccount` |
| IDR      | Bank Transfer - Indonesia | `BANK_TRANSFER_INDONESIA` | `BeneficiaryLocalBankAccount`    |
| IDR      | LinkAja                   | `LINK_AJA`                | `BeneficiaryMobileWalletAccount` |
| KES      | M-PESA Kenya (Safaricom)  | `M_PESA_KENYA_SAFARICOM`  | `BeneficiaryMobileWalletAccount` |
| KES      | Bank Transfer - Kenya     | `BANK_TRANSFER_KENYA`     | `BeneficiaryLocalBankAccount`    |
| NGN      | Bank Transfer - Nigeria   | `BANK_TRANSFER_NIGERIA`   | `BeneficiaryLocalBankAccount`    |
| USD      | ACH - United States       | `BANK_TRANSFER_ACH`       | `BeneficiaryLocalBankAccount`    |
| USD      | SWIFT - International     | `BANK_TRANSFER_SWIFT`     | `BeneficiaryLocalBankAccount`    |
| USD      | Wire                      | `BANK_TRANSFER_WIRE`      | `BeneficiaryLocalBankAccount`    |

<Note>
  Call [`GET /ledger/cash-payments/currencies`](/api-reference/endpoints/cash-payouts/get-currencies)
  to fetch this list live — new currencies and channels are added over time.
</Note>

## Managing beneficiaries

* [`GET /ledger/fiat-beneficiaries`](/api-reference/endpoints/fiat-beneficiaries/list) —
  list saved beneficiaries.
* [`POST /ledger/fiat-beneficiaries`](/api-reference/endpoints/fiat-beneficiaries/create) —
  add a beneficiary for a given currency and payment channel.
* [`GET /ledger/fiat-beneficiaries/{beneficiaryId}`](/api-reference/endpoints/fiat-beneficiaries/get-by-id) —
  fetch a single beneficiary.
* [`DELETE /ledger/fiat-beneficiaries/{beneficiaryId}`](/api-reference/endpoints/fiat-beneficiaries/delete) —
  remove a beneficiary.