Country-specific details

When creating recipients for cross-border transfers, the required fields vary by destination country. This guide provides detailed information about the recipient and financial account requirements for each supported country.

Overview

All recipients require these base fields:

Providing date_of_birth is optional but strongly recommended: it materially improves the accuracy of compliance screening and reduces the chance of a false-positive match delaying a payout.

Additional requirements for on-ramp and off-ramp

When you create an individual with product_types containing on_ramp and/or off_ramp, the country-specific fields below still apply, but the following fields are also required for every country:

For off-ramp (and combined on-ramp + off-ramp), financial_accounts must additionally contain exactly one bank_account (matching the destination country’s shape — see below) and exactly one crypto_wallet on the network the end user will off-ramp from. The wallet is also where Latitude returns stablecoins if a transfer cannot be completed.

For supported on-ramp and off-ramp corridors and their availability (Live, Beta, Coming Soon), see On-Ramps and Off-Ramps.

Argentina (AR)

Send transfers to Argentina in ARS via bank account using CBU/CVU.

Required Fields

Document Types

• cuit — Clave Única de Identificación Tributaria (Tax ID for businesses)
• cuil — Código Único de Identificación Laboral (Labor ID for individuals)

Example Request

1
{
2
  "given_name": "Carlos",
3
  "family_name": "Mendez",
4
  "type": "individual",
5
  "address": {
6
    "line_1": "Av. Corrientes 1234",
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    "city": "Buenos Aires",
8
    "state": "Buenos Aires",
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    "postal_code": "C1043",
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    "country": "ar"
11
  },
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  "document": {
13
    "type": "cuit",
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    "number": "20345678901"
15
  },
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  "financial_account": {
17
    "type": "bank_account",
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    "details": {
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      "account_number": "0170099220000067839043",
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      "account_type": "cbu"
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    }
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  }
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}

Validation Notes

• Account number must be exactly 22 digits

Brazil (BR)

Send transfers to Brazil in BRL via PIX (instant payment system).

Required Fields

Document Types

• cpf — Cadastro de Pessoas Físicas (Individual Taxpayer ID, 11 digits)
• cnpj — Cadastro Nacional da Pessoa Jurídica (Business Tax ID, 14 digits)

PIX Key Types

The pix_key_type field must match the format of the provided pix_key:

Example Request

1
{
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  "given_name": "João",
3
  "family_name": "Silva",
4
  "type": "individual",
5
  "address": {
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    "line_1": "Rua das Flores 456",
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    "city": "São Paulo",
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    "state": "SP",
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    "postal_code": "01310-100",
10
    "country": "br"
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  },
12
  "document": {
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    "type": "cpf",
14
    "number": "12345678901"
15
  },
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  "financial_account": {
17
    "type": "pix",
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    "details": {
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      "pix_key": "[email protected]",
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      "pix_key_type": "email"
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    }
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  }
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}

Validation Notes

• PIX is Brazil’s instant payment system and supports 24/7 transfers
• CPF must be exactly 11 digits; CNPJ must be exactly 14 digits

Colombia (CO)

Send transfers to Colombia in COP via ACH.

Required Fields

Document Types

• cc — Cédula de Ciudadanía (Citizenship Card)
• ce — Cédula de Extranjería (Foreigner ID)
• nit — Número de Identificación Tributaria (Tax ID for businesses)
• pep — Permiso Especial de Permanencia (Special Residence Permit)
• passport — International passport

Example Request

1
{
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  "given_name": "Juan",
3
  "family_name": "Diego",
4
  "type": "individual",
5
  "email": "[email protected]",
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  "address": {
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    "line_1": "Calle 100 #15-20",
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    "city": "Bogotá",
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    "state": "Cundinamarca",
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    "postal_code": "110111",
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    "country": "co"
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  },
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  "document": {
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    "type": "cc",
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    "number": "1020304050"
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  },
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  "financial_account": {
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    "type": "bank_account",
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    "details": {
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      "bank_code": "007",
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      "account_number": "1234567890",
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      "account_type": "checking"
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    }
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  }
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}

Validation Notes

• Email is required for Colombia
• Document is required for Colombia

India (IN)

Send transfers to India in INR via UPI (Unified Payments Interface).

Required Fields

Example Request

1
{
2
  "given_name": "Rahul",
3
  "family_name": "Patel",
4
  "type": "individual",
5
  "email": "[email protected]",
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  "phone": "+919876543210",
7
  "address": {
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    "line_1": "Flat 304, Building B, Sunshine Apartments",
9
    "line_2": "12/A, MG Road",
10
    "city": "Bengaluru",
11
    "state": "Karnataka",
12
    "postal_code": "560001",
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    "country": "in"
14
  },
15
  "financial_account": {
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    "type": "upi",
17
    "details": {
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      "upi_id": "9876543210@paytm"
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    }
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  }
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}

Validation Notes

• Email is required for India
• Phone is required for India (must start with +91, max 20 characters)
• UPI ID must contain exactly one @ symbol (format: identifier@provider)
• UPI ID cannot exceed 45 characters

Mexico (MX)

Send transfers to Mexico in MXN via SPEI (Sistema de Pagos Electrónicos Interbancarios).

Required Fields

Document

For off-ramp, document is required. For other product types it is optional. The only accepted document.type is curp (Clave Única de Registro de Población).

The CURP must be 18 characters: 4 uppercase letters, 6 digits, H or M, 2 uppercase letters, 3 uppercase letters, 1 alphanumeric character, and 1 digit.

Example Request

1
{
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  "given_name": "Maria",
3
  "family_name": "Lopez",
4
  "type": "individual",
5
  "address": {
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    "line_1": "Paseo de la Reforma 505",
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    "city": "Ciudad de México",
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    "state": "CDMX",
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    "postal_code": "06500",
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    "country": "mx"
11
  },
12
  "financial_account": {
13
    "type": "bank_account",
14
    "details": {
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      "clabe": "002180701234567895"
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    }
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  }
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}

Validation Notes

• CLABE must be exactly 18 digits
• Transfers are processed via Mexico’s SPEI system

Philippines (PH)

Send transfers to the Philippines in PHP via InstaPay. Recipients can be funded into either a bank account or a digital wallet.

Document

For off-ramp, document is required. For other product types it is optional. The only accepted document.type is tin (Tax Identification Number).

Bank Account

The issuer must be one of a fixed set of bank identifiers. Common values include:

Contact support for the full list of supported bank identifiers.

Example Request — Bank Account

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{
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  "given_name": "Joseph",
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  "family_name": "Fajagut",
4
  "type": "individual",
5
  "address": {
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    "line_1": "123 Rizal Avenue",
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    "city": "Manila",
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    "state": "Metro Manila",
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    "postal_code": "1000",
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    "country": "ph"
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  },
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  "financial_account": {
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    "type": "bank_account",
14
    "details": {
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      "account_number": "1234567890",
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      "issuer": "bpi"
17
    }
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  }
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}

Digital Wallet

Supported issuer values for digital wallets include:

Contact support for the full list of supported e-wallet identifiers.

Example Request — Digital Wallet

1
{
2
  "given_name": "Joseph",
3
  "family_name": "Fajagut",
4
  "type": "individual",
5
  "address": {
6
    "line_1": "123 Rizal Avenue",
7
    "city": "Manila",
8
    "state": "Metro Manila",
9
    "postal_code": "1000",
10
    "country": "ph"
11
  },
12
  "financial_account": {
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    "type": "digital_wallet",
14
    "details": {
15
      "account_number": "09171234567",
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      "issuer": "gcash"
17
    }
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  }
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}

Validation Notes

• Transfers are processed via the InstaPay network

United Kingdom (GB)

Send transfers to the United Kingdom in GBP via Faster Payments.

Required Fields

Example Request

1
{
2
  "given_name": "James",
3
  "family_name": "Smith",
4
  "type": "individual",
5
  "address": {
6
    "line_1": "10 Downing Street",
7
    "city": "London",
8
    "state": "England",
9
    "postal_code": "SW1A 2AA",
10
    "country": "gb"
11
  },
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  "financial_account": {
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    "type": "bank_account",
14
    "details": {
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      "bank_account_country": "GB",
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      "sort_code": "200000",
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      "account_number": "55779911",
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      "bank_account_holder_name": "James Smith"
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    }
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  }
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}

Validation Notes

• bank_account_country must be GB
• Sort code must be exactly 6 digits
• Account number must be exactly 8 digits
• Bank account holder name must be between 2 and 140 characters
• Transfers are processed via the Faster Payments network

SEPA Countries (EUR)

Send transfers in EUR via SEPA Instant to any of the supported SEPA zone countries. All SEPA countries share the same recipient requirements.

Supported Countries

Eurozone (21 countries): Austria (AT), Belgium (BE), Bulgaria (BG), Croatia (HR), Cyprus (CY), Estonia (EE), Finland (FI), France (FR), Germany (DE), Greece (GR), Ireland (IE), Italy (IT), Latvia (LV), Lithuania (LT), Luxembourg (LU), Malta (MT), Netherlands (NL), Portugal (PT), Slovakia (SK), Slovenia (SI), Spain (ES)

Non-Eurozone SEPA (EU): Czech Republic (CZ), Denmark (DK), Hungary (HU), Poland (PL), Romania (RO), Sweden (SE)

Non-EU SEPA (EEA): Iceland (IS), Liechtenstein (LI), Norway (NO), Switzerland (CH)

Required Fields

Example Request

1
{
2
  "given_name": "Anna",
3
  "family_name": "Mueller",
4
  "type": "individual",
5
  "address": {
6
    "line_1": "Friedrichstraße 123",
7
    "city": "Berlin",
8
    "state": "Berlin",
9
    "postal_code": "10117",
10
    "country": "de"
11
  },
12
  "financial_account": {
13
    "type": "bank_account",
14
    "details": {
15
      "bank_account_country": "DE",
16
      "iban": "DE89370400440532013000",
17
      "bank_account_holder_name": "Anna Mueller"
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    }
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  }
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}

Validation Notes

• bank_account_country must be a supported SEPA country code; it does not need to match address.country (e.g. a recipient living in France can be paid into a German IBAN)
• IBAN must be between 15 and 34 characters, starting with a 2-letter country code followed by 2 check digits
• BIC/SWIFT is optional; if provided, must be 8 or 11 characters (e.g., COBADEFFXXX)
• Bank account holder name must be between 2 and 140 characters
• Transfers are processed via SEPA Instant

Country Requirements Summary

In addition to the base fields required for all recipients (including full address), some countries require extra fields:

This table reflects requirements for global payouts. For on-ramp and off-ramp, email, phone, document, date_of_birth, and idv_consent_recorded_at are required for every country — see Additional requirements for on-ramp and off-ramp.

Financial Account Types Summary