{
  "originatorAccountId": "ACCT-00917-DDA",
  "beneficiary": {
    "name": "Jane Doe",
    "accountNumber": "555000111",
    "routingNumber": "021000021",
    "email": "jane.doe@example.com"
  },
  "amount": 250.00,
  "currency": "USD",
  "speed": "Instant",
  "memo": "Rent split",
  "policyHints": { "preferRTPOverACH": true }
}