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Add USD account bank, account type and wire routing fields - #765
Add USD account bank, account type and wire routing fields#765ls-bolt[bot] wants to merge 1 commit into
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akanter
commented
Jul 29, 2026
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## Summary
Adds the USD account fields needed to describe a domestic wire beneficiary, and `purposeOfPayment` on `TransferOutRequest`.
`UsdAccountInfoBase` carried only `accountNumber` and `routingNumber`, so a USD account could not express which bank holds it, whether it is checking or savings, or how to reach it through a correspondent. Every other bank-account shape in the spec already has at least `bankName` — `SwiftAccountInfoBase` requires it, and `SlvAccountInfoBase` has both `bankName` and `bankAccountType` with the same `CHECKING`/`SAVINGS` enum reused here.
Two of these fields were **already documented** but never existed in the spec: the "United States" example in `snippets/external-accounts.mdx` shows `bankAccountType` and `bankName` on a `USD_ACCOUNT`, and the note below it says "Category must be `CHECKING` or `SAVINGS`". This change makes those docs true.
## Changes
`openapi/components/schemas/common/UsdAccountInfoBase.yaml` — five optional properties, no change to `required`:
| Property | Type | Notes |
|---|---|---|
| `bankName` | string, 1–140 | Institution holding the account; optional on every rail, recommended for wires |
| `bankAccountType` | `CHECKING` \| `SAVINGS` | Same enum as `SlvAccountInfoBase`; optional on every rail, defaults to checking |
| `intermediaryBankName` | string, 1–140 | `WIRE` rail only |
| `intermediaryRoutingNumber` | string, 9 digits, `^[0-9]{9}$` | `WIRE` rail only |
| `fiToFiInformation` | string, ≤210 | Bank-to-bank instructions, `WIRE` rail only |
Lengths follow the wire-message field sizes: 140 for party name lines, and 210 for the bank-to-bank field (six 35-character lines). `intermediaryRoutingNumber` mirrors the existing `routingNumber` constraints exactly.
`openapi/components/schemas/transfers/TransferOutRequest.yaml` — adds `purposeOfPayment`, `$ref`-ing the existing `quotes/PurposeOfPayment.yaml`. `QuoteRequest` already accepts it; transfer-out was the only send shape that could not record a payment purpose, even though it accepts the neighbouring `remittanceInformation`.
Also rebundled `openapi.yaml` / `mintlify/openapi.yaml` via `make build`, and documented the three wire-only fields plus `purposeOfPayment` in the two affected MDX pages.
## Compatibility
Additive and non-breaking — every new property is optional and nothing existing changed, so `info.version` is unchanged.
Verified against the same gate CI runs:
```
$ oasdiff breaking base/openapi.yaml head/openapi.yaml --format singleline --fail-on ERR
No breaking changes to report, but the specs are different
$ echo $?
0
```
`make lint` exits 0 ("Woohoo! Your API description is valid. 🎉"). The remaining `schema-properties-have-examples` / `-descriptions` findings are pre-existing repo-wide noise; none of them are on the schemas touched here — every property added carries both a description and an example.
## Test plan
- [x] `make build` — bundle regenerated, diff is additive only
- [x] `make lint` — exit 0, no findings on `UsdAccountInfoBase` or `TransferOutRequest`
- [x] `oasdiff breaking --fail-on ERR` — 0 breaking changes
Original PR: #765
Summary
Adds the USD account fields needed to describe a domestic wire beneficiary, and
purposeOfPaymentonTransferOutRequest.UsdAccountInfoBasecarried onlyaccountNumberandroutingNumber, so a USD account could not express which bank holds it, whether it is checking or savings, or how to reach it through a correspondent. Every other bank-account shape in the spec already has at leastbankName—SwiftAccountInfoBaserequires it, andSlvAccountInfoBasehas bothbankNameandbankAccountTypewith the sameCHECKING/SAVINGSenum reused here.Two of these fields were already documented but never existed in the spec: the "United States" example in
snippets/external-accounts.mdxshowsbankAccountTypeandbankNameon aUSD_ACCOUNT, and the note below it says "Category must beCHECKINGorSAVINGS". This change makes those docs true.Changes
openapi/components/schemas/common/UsdAccountInfoBase.yaml— five optional properties, no change torequired:bankNamebankAccountTypeCHECKING|SAVINGSSlvAccountInfoBaseintermediaryBankNameWIRErail onlyintermediaryRoutingNumber^[0-9]{9}$WIRErail onlyfiToFiInformationWIRErail onlyLengths follow the wire-message field sizes: 140 for party name lines, and 210 for the bank-to-bank field (six 35-character lines).
intermediaryRoutingNumbermirrors the existingroutingNumberconstraints exactly.openapi/components/schemas/transfers/TransferOutRequest.yaml— addspurposeOfPayment,$ref-ing the existingquotes/PurposeOfPayment.yaml.QuoteRequestalready accepts it; transfer-out was the only send shape that could not record a payment purpose, even though it accepts the neighbouringremittanceInformation.Also rebundled
openapi.yaml/mintlify/openapi.yamlviamake build, and documented the three wire-only fields pluspurposeOfPaymentin the two affected MDX pages.Compatibility
Additive and non-breaking — every new property is optional and nothing existing changed, so
info.versionis unchanged.Verified against the same gate CI runs:
make lintexits 0 ("Woohoo! Your API description is valid. 🎉"). The remainingschema-properties-have-examples/-descriptionsfindings are pre-existing repo-wide noise; none of them are on the schemas touched here — every property added carries both a description and an example.Test plan
make build— bundle regenerated, diff is additive onlymake lint— exit 0, no findings onUsdAccountInfoBaseorTransferOutRequestoasdiff breaking --fail-on ERR— 0 breaking changes