Request

Receiver creates a payment request, payer fulfills later. Fee always charged from crypto.

1. Receiver creates request ──> Gets reference code (no crypto specified yet)
2. Receiver shares code     ──> Payer receives code
3. Payer fulfills           ──> Chooses crypto, gets deposit address
4. Payer sends crypto       ──> Deposit confirmed
5. Settlement               ──> Fiat sent to receiver

Required Fields (Creation):

• receiver.bankCode, receiver.accountNumber
• fiatAmount, fiatCurrency
• Crypto/network are optional at creation (can be set at fulfillment)
• No payer at creation

Required Fields (Fulfill):

• payer.chatId
• crypto, network (if not set at creation)