Create a beneficiary - Trace Finance

curl --request POST \
  --url https://api.sandbox.tracefinance.com/api/beneficiaries \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency-Key: <x-idempotency-key>' \
  --data '
{
  "holder": {
    "type": "INDIVIDUAL",
    "firstName": "João",
    "lastName": "Silva",
    "taxId": {
      "value": "52998224725",
      "type": "CPF"
    },
    "dateOfBirth": "1985-03-15",
    "address": {
      "addressLine1": "Av. Paulista, 1000",
      "addressLine2": "Apto 42",
      "city": "São Paulo",
      "state": "SP",
      "postalCode": "01310-100",
      "country": "BR"
    }
  },
  "relationshipType": "THIRD_PARTY",
  "paymentInstruction": {
    "type": "PIX",
    "asset": "BRL",
    "dictKeyType": "EMAIL",
    "dictKey": "joao@example.com"
  }
}
'

{
  "id": "ben-a1b2c3d4-5e6f-7890-abcd-ef1234567890",
  "customerId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "holder": {
    "type": "INDIVIDUAL",
    "firstName": "João",
    "lastName": "Silva",
    "taxId": {
      "value": "52998224725",
      "type": "CPF"
    },
    "dateOfBirth": "1985-03-15",
    "address": {
      "addressLine1": "<string>",
      "addressLine2": "<string>",
      "city": "<string>",
      "state": "<string>",
      "country": "BR",
      "postalCode": "<string>"
    }
  },
  "relationshipType": "SELF_OWNED",
  "paymentInstructions": [
    {
      "id": "pi-a1b2c3d4-5e6f-7890-abcd-ef1234567890",
      "asset": "BRL",
      "currentState": {
        "status": "PENDING_REVIEW",
        "createdAt": "2023-11-07T05:31:56Z",
        "reason": {
          "code": "INSUFFICIENT_BALANCE",
          "message": "Insufficient balance for the requested operation",
          "details": {}
        }
      },
      "address": {
        "rail": "PIX_KEY",
        "dictKeyType": "CPF",
        "dictKey": "john@example.com"
      },
      "createdAt": "2026-04-14T10:30:00Z"
    }
  ],
  "createdAt": "2026-04-14T10:30:00Z",
  "updatedAt": "2026-04-14T10:30:00Z"
}

POST

/

api

/

beneficiaries

curl --request POST \
  --url https://api.sandbox.tracefinance.com/api/beneficiaries \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency-Key: <x-idempotency-key>' \
  --data '
{
  "holder": {
    "type": "INDIVIDUAL",
    "firstName": "João",
    "lastName": "Silva",
    "taxId": {
      "value": "52998224725",
      "type": "CPF"
    },
    "dateOfBirth": "1985-03-15",
    "address": {
      "addressLine1": "Av. Paulista, 1000",
      "addressLine2": "Apto 42",
      "city": "São Paulo",
      "state": "SP",
      "postalCode": "01310-100",
      "country": "BR"
    }
  },
  "relationshipType": "THIRD_PARTY",
  "paymentInstruction": {
    "type": "PIX",
    "asset": "BRL",
    "dictKeyType": "EMAIL",
    "dictKey": "joao@example.com"
  }
}
'

{
  "id": "ben-a1b2c3d4-5e6f-7890-abcd-ef1234567890",
  "customerId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "holder": {
    "type": "INDIVIDUAL",
    "firstName": "João",
    "lastName": "Silva",
    "taxId": {
      "value": "52998224725",
      "type": "CPF"
    },
    "dateOfBirth": "1985-03-15",
    "address": {
      "addressLine1": "<string>",
      "addressLine2": "<string>",
      "city": "<string>",
      "state": "<string>",
      "country": "BR",
      "postalCode": "<string>"
    }
  },
  "relationshipType": "SELF_OWNED",
  "paymentInstructions": [
    {
      "id": "pi-a1b2c3d4-5e6f-7890-abcd-ef1234567890",
      "asset": "BRL",
      "currentState": {
        "status": "PENDING_REVIEW",
        "createdAt": "2023-11-07T05:31:56Z",
        "reason": {
          "code": "INSUFFICIENT_BALANCE",
          "message": "Insufficient balance for the requested operation",
          "details": {}
        }
      },
      "address": {
        "rail": "PIX_KEY",
        "dictKeyType": "CPF",
        "dictKey": "john@example.com"
      },
      "createdAt": "2026-04-14T10:30:00Z"
    }
  ],
  "createdAt": "2026-04-14T10:30:00Z",
  "updatedAt": "2026-04-14T10:30:00Z"
}

Authorizations

Authorization

string

header

required

JWT bearer token. Include as Authorization: Bearer <token>. See the Authentication guide for how to obtain one.

Headers

X-Idempotency-Key

string<uuid>

required

Unique key to ensure idempotent request processing. Required on all POST, PUT, and PATCH requests.

X-Trace-Version

string

API version. Omit to use the default version.

Example:

"1"

Body

application/json

Request body for creating a beneficiary.

holder

Individual · object

required

The person or company that receives funds. Discriminated by type.

Individual
Company

Show child attributes

relationshipType

enum<string>

required

Whether the beneficiary is the customer themselves (SELF_OWNED) or a separate party (THIRD_PARTY).

Available options:

SELF_OWNED,

THIRD_PARTY

paymentInstruction

PIX · object

required

Payment instruction for receiving funds. Discriminated by type.

PIX
Bank account
Crypto wallet

Show child attributes

Response

Beneficiary created. Its initial payment instruction starts in PENDING_REVIEW status.

An external beneficiary registered for withdrawals.

id

string<uuid>

required

read-only

Example:

"ben-a1b2c3d4-5e6f-7890-abcd-ef1234567890"

customerId

string<uuid>

required

Customer that owns this beneficiary.

holder

Individual · object

required

The person or company that receives funds. Discriminated by type.

Individual
Company

Show child attributes

relationshipType

enum<string>

required

Whether the beneficiary is the customer themselves (SELF_OWNED) or a separate party (THIRD_PARTY).

Available options:

SELF_OWNED,

THIRD_PARTY

paymentInstructions

object[]

required

Show child attributes

createdAt

string<date-time>

required

read-only

Example:

"2026-04-14T10:30:00Z"

updatedAt

string<date-time>

required

read-only

Example:

"2026-04-14T10:30:00Z"

List beneficiaries

⌘I