{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api-evangelist.com/schemas/moniepoint/monnify-transfer-schema.json",
  "title": "Monnify Transfer",
  "description": "Schema for a Monnify disbursement Transfer (single or bulk item) returned by /api/v2/disbursements/single and /api/v2/disbursements/bulk endpoints.",
  "type": "object",
  "properties": {
    "reference": { "type": "string", "description": "Merchant-supplied unique transfer reference." },
    "amount": { "type": "number", "minimum": 0 },
    "currency": { "type": "string", "example": "NGN" },
    "destinationAccountNumber": { "type": "string" },
    "destinationAccountName": { "type": "string", "description": "Required as of March 2026; must match Name Inquiry." },
    "destinationBankCode": { "type": "string" },
    "destinationBankName": { "type": "string" },
    "sourceAccountNumber": { "type": "string" },
    "narration": { "type": "string", "maxLength": 100 },
    "status": {
      "type": "string",
      "enum": ["SUCCESS", "FAILED", "REVERSED", "PENDING", "OTP_EMAIL_DISPATCH", "PENDING_AUTHORIZATION"]
    },
    "fee": { "type": "number" },
    "dateCreated": { "type": "string", "format": "date-time" },
    "completedOn": { "type": "string", "format": "date-time" },
    "senderInformation": {
      "type": "object",
      "description": "Optional sender identity object (supported since October 2025).",
      "properties": {
        "fullName": { "type": "string" },
        "phoneNumber": { "type": "string" },
        "email": { "type": "string", "format": "email" },
        "senderRef": { "type": "string" }
      }
    }
  },
  "required": ["reference", "amount", "currency", "destinationAccountNumber", "destinationBankCode", "status"]
}