The Identify Result object

Identify is a single endpoint: POST /v1/identify. The response data is this object.

{
  "result": "identified",
  "rail": "routing_number",
  "country": "US",
  "institution": {
    "name": "JPMorgan Chase",
    "type": "bank",
    "code": "021000021",
    "address": { "city": "Tampa", "country": "US" }
  },
  "reachable_rails": ["ach", "wire", "rtp"],
  "identified_at": "2026-08-02T12:00:00Z"
}

With holder resolution (nuban + account_number):

{
  "result": "identified",
  "rail": "nuban",
  "country": "NG",
  "institution": {
    "name": "Guaranty Trust Bank",
    "type": "bank",
    "code": "058",
    "bic": "GTBINGLA",
    "address": { "country": "NG" }
  },
  "reachable_rails": ["nip"],
  "account": {
    "number": "0123456789",
    "name": "ADA LOVELACE",
    "name_resolution": "resolved"
  },
  "identified_at": "2026-08-02T12:00:00Z"
}

Attributes

enum

required

Outcome of the lookup. One of identified, not_found, unsupported. Only identified is billed.

string

required

Rail that was resolved. One of swift, iban, routing_number, sort_code, ifsc, nuban, gh_bank, ke_bank, momo, za_bank, ci_bank, eg_bank, rw_bank.

string

ISO 3166-1 alpha-2 of the institution, when known.

object

The identified financial institution. Omitted when result is not identified.

Show properties

string

Institution name.

string

Institution type: bank or mobile_money.

string

Institution code on this rail.

string

SWIFT/BIC, when known.

object

Show properties

string

City, when known.

string

ISO country.

string[]

Payment rails the institution can be reached on (ach, wire, rtp, nip, ghipss, kepss, pesalink, …).

object

Present when you supplied account_number.

Show properties

string

The account or wallet number you sent.

string

Resolved holder name, when available.

enum

resolved, unavailable, or not_supported. Holder resolution runs on nuban, gh_bank, ke_bank, and momo in Ghana and Kenya. Every other rail returns not_supported.

timestamp

Present only when result is identified.

If a field is unknown we omit it. See the Identify guide for rails and examples, the POST /v1/identify page for the request, or GET /v1/identify/banks for the codes each rail takes.

Core

Conversations

Configuration

Delivery

MCP

Workbench

The Identify Result object

Attributes

​Attributes

Attributes