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Gift

Sender pays crypto upfront; receiver claims later with their bank details. Fee always charged from crypto.

1. Sender creates gift ──> Gets reference code
2. Sender pays crypto  ──> Deposit confirmed
3. Sender shares code  ──> Recipient receives code
4. Recipient claims    ──> Provides bank details
5. Settlement          ──> Fiat sent to recipient

Required Fields (Creation):

  • payer.chatId - Gift sender's identifier
  • No receiver at creation

Required Fields (Claim — POST /v1/payments/gifts/:reference/claim/confirm):

  • receiver.bankCode, receiver.accountNumber