The state of the send transaction, as follows:

• INITIALISED: The initial state of a send transaction when SCA is not required.
• PENDING_CHALLENGE: The send transaction requires verification before it can be initialised. Use the /sends/{id}/challenges/otp/{channel} API endpoint to start the verification process.
• PENDING: The transaction has exceeded the destination limit and is pending treasury approval.
• APPROVED: The send transaction was approved.
• COMPLETED: The send transaction has been completed.
• REJECTED: The send transaction was rejected.
• FAILED: There was an issue with the send transaction, and the transaction has failed.
• SCHEDULED: The send transaction will execute at the scheduled time.
• CANCELLED: The scheduled send transaction has been cancelled.

The Reason the transaction was exempted from SCA verification

The KYC level, which determines what KYC information will be requested from the consumer:

• KYC_LEVEL_1: The most basic level of KYC required.
• KYC_LEVEL_2: Full due diligence level 2

The currency expressed in ISO-4217 code. Example: GBP, EUR, USD.

Indicates how the card will be handled once it is close to expiring.

• RENEW: The card will be automatically renewed, keeping the same card number but with a new expiry date and CVV.
• NO_RENEW: Once the expiry date is reached, the card is destroyed.

The category of the authorisation.

The state of the instrument indicating what it can and cannot do as follows:

• ACTIVE: The instrument is in an active state and can be used in transactions.
• BLOCKED: The instrument is temporarily blocked and cannot be used. Any funds on the instrument are also frozen. The blockedReason provides more information as to why it was blocked.
• DESTROYED: The instrument has been permanently destroyed. The destroyReason provides more information as to why it was destroyed.

The reason why the instrument has been blocked:

• USER: The root, or an authorised user, of the identity owning the instrument has temporarily blocked the instrument.
• SYSTEM: The platform or an administrator of the platform has temporarily blocked the instrument.
• LOST: The instrument has been blocked because it was marked as lost.

The reason why the instrument has been destroyed:

• SYSTEM: The platform or an administrator of the platform has destroyed the instrument.
• USER: The root, or an authorised user, of the identity owning the instrument has destroyed the instrument.
• LOST: The instrument was automatically destroyed as it was marked as lost.
• STOLEN: The instrument was automatically destroyed as it was marked as stolen.
• EXPIRED: The instrument was automatically destroyed as it expired.
• COMPROMISED: The instrument was automatically destroyed as it was marked as compromised.

The time period for which the spendLimit is valid.

• DAILY: starting from 00:00:00 UTC of current day to 23:59:59 UTC of current day

• WEEKLY: 00:00:00 UTC Monday of current week to following Sunday 23:59:59 UTC

• MONTHLY: 1st of current calendar month to end of current calendar month

• QUARTERLY: starting from beginning of current quarter where quarters are defined as follows:

• 1 January 00:00:00 UTC to 31 March 23:59:59 UTC

• 1 April 00:00:00 UTC to 30 Jun 23:59:59 UTC

• 1 July 00:00:00 UTC to 30 September 23:59:59 UTC

• 1 October 00:00:00 UTC to 31 December 23:59:59 UTC

• YEARLY: 1 January 00:00:00 UTC of current calendar year to 31 December 23:59:59 UTC of current calendar year.

• ALWAYS: This indicates that the spendLimit is the total amount that can be spent through the card throughout the whole lifetime of the card.

The epoch timestamp at which the transaction is scheduled to be executed.

The reason the scheduled transaction was cancelled.

The epoch timestamp at which the transaction was executed, transitioning to a final state such as COMPLETED, REJECTED, or FAILED.

The wire transfer rails used, from SEPA, Faster Payments or SWIFT.

The state of the Outgoing wire transfer transaction, as follows:

• INVALID: The wire transfer has failed initial validation checks.
• PENDING_CHALLENGE: The wire transfer requires the completion of a transaction confirmation challenge before it can be submitted.
• SUBMITTED: The wire transfer has been submitted to the sending financial institution for processing.
• REJECTED: The wire transfer that was submitted was rejected.
• APPROVED: The wire transfer that was submitted has been approved and is being processed by the sending financial institution.
• FAILED: There was an issue with the wire transfer, and the transaction has failed.
• COMPLETED: The requested funds have been sent from the source instrument.
• RETURNED: The wire transfer has been returned to the sender.
• SCHEDULED: The wire transfer will be executed at the scheduled time.
• CANCELLED: The scheduled wire transfer has been cancelled.
• PENDING_CONFIRMATION: The wire transfer requires a manual confirmation by the user before proceeding.

Nationality of the user - using ISO 3166 alpha-2.

The date of birth in ISO 8601 format (YYYY-MM-DD).

The value that determines whether a Beneficiary is trusted or not.

The profile Id which a specific identity, instrument or transaction type is linked to.

Profiles contain configuration and determine behavioral aspects of the newly created transaction, for example, fees that may apply.

You can have one or more profiles linked to your application, and these can be used to drive different behaviors according to your product's needs.

Profile Ids can be found in the Multi Portal, in the API Credentials page.

The tag field is a custom field that can be used to search and filter.

An account can be of two types, Personal or Business:

• PERSONAL means that the account held at the external bank or PSP is registered under the ownership of a natural person or consumer identity;
• BUSINESS means that the account held at the external bank or PSP is registered under the ownership of a corporate entity.

The state of the linked account:

• PENDING_VERIFICATION: The Linked Account is pending the completion of the required verification steps.
• ACTIVE: The Linked Account is verified and active, ready to be used for self-to-self wire transfers.
• BLOCKED: The Linked Account is temporarily blocked, preventing any use of this external account in self-to-self wire transfers. A Linked Account can be unblocked by calling the Multi API endpoint POST /linked_accounts/{id}/unblock.
• REMOVED: The Linked Account has been removed from the platform and can no longer be used for self-to-self wire transfers unless a new verification is completed in future.
• REJECTED: The Linked Account failed the verification process and cannot be used for self-to-self wire transfers unless a new verification is completed in future. A Linked Account can transition through these different overall states, starting at the PENDING_VERIFICATION state until all verification steps are followed through.

The digital wallet type.

Bulk delivery is available for deliveryMethods REGISTERED_MAIL or COURIER. All cards marked as bulk and ordered within the fulfilment centre’s dispatch window will be sent in bulk. Delivery address must be identical for all orders. contactNumber in the deliveryAddress object is mandatory when bulk is selected. Maximum number of cards delivered in a single box/packet is REGISTERED_MAIL = 90, COURIER = 200.

Information on the manufacturing of the physical card, as follows:

• REQUESTED: The upgrade of the card to physical has been requested.
• SENT_FOR_FULFILLMENT - The card has been sent for printing.
• DISPATCHED: The card has been manufactured and dispatched. You may receive a second DISPATCHED event when the manufacturer provides a tracking code.
• DELIVERED: The card has been received and activated by the recipient.

The delivery methods supported for delivering printed physical cards. If not specified, the STANDARD_DELIVERY method will be used.

The delivery tracking code for tracking the physical card's delivery status. This may not always be available on the first dispatched event, and so you will receive an additional dispatched notification with the delivery tracking code populated as soon as it is available.

The delivery tracking method for tracking the physical card's delivery status.

The delivery tracking URL for tracking the physical card's delivery status.

The state of the instrument indicating what it can and cannot do as follows:

• PENDING: The instrument is pending creation.
• ACTIVE: The instrument is in an active state and can be used in transactions.
• BLOCKED: The instrument is temporarily blocked and cannot be used. Any funds on the instrument are also frozen. The blockedReason provides more information as to why it was blocked.
• REJECTED: The instrument was rejected from being created.
• DESTROYED: The instrument has been permanently destroyed. The destroyReason provides more information as to why it was destroyed.