> ## Documentation Index
> Fetch the complete documentation index at: https://docs.augustus.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://api.augustus.com/openapi/2026-05-01.json) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate surface covering the Pay by Bank products — Instant Bank Transfer (Open Banking) checkout and refunds, and Manual Bank Transfer (MBT); use it when one of those products is required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# The counterparty object

> A saved beneficiary: name, address and the financial address that payouts are sent to.

The rails a counterparty can be paid on follow from its financial address: `aba` for ACH and Fedwire, `iban` for SEPA in EUR and SWIFT in USD, `bic` for SWIFT in USD, `sort_code` for Faster Payments, and `crypto_wallet` for its blockchain. See [Financial address types](https://docs.augustus.com/docs/accounts/counterparties.md#financial-address-types).

SWIFT payouts also need a `physical_address` with line 1, city, postal code and country. A counterparty without one cannot be paid by SWIFT. See [Counterparty details](https://docs.augustus.com/docs/rails/swift.md#counterparty-details).


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