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

# Set a refund destination

> NGN routes to a Nigerian bank account (verified by name enquiry before saving); USDT routes to a crypto address on TRON or BSC. One destination per currency — setting it again replaces it. Required before payouts can be created.



## OpenAPI

````yaml /openapi.json put /v1/refund-destinations
openapi: 3.0.0
info:
  title: Spendin Merchant API
  description: Cross-border remittance and financial services API
  version: '1.0'
  contact: {}
servers:
  - url: https://api.spendin.app
    description: Production
security:
  - api-key: []
tags: []
paths:
  /v1/refund-destinations:
    put:
      tags:
        - refunds
      summary: Set a refund destination
      description: >-
        NGN routes to a Nigerian bank account (verified by name enquiry before
        saving); USDT routes to a crypto address on TRON or BSC. One destination
        per currency — setting it again replaces it. Required before payouts can
        be created.
      operationId: RefundsController_setDestination
      parameters:
        - name: Idempotency-Key
          in: header
          required: true
          description: >-
            Unique idempotency token per logical write (UUID v4). Re-send the
            same value on safe retries.
          schema:
            type: string
            format: uuid
            example: a1b2c3d4-e5f6-47a8-b9c0-d1e2f3a4b5c6
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SetRefundDestinationDto'
      responses:
        '200':
          description: Destination saved
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RefundDestinationResponseDto'
        '400':
          description: Unsupported refund currency or destination type
        '422':
          description: Bank account could not be verified
      security:
        - api-key: []
components:
  schemas:
    SetRefundDestinationDto:
      type: object
      properties:
        currency:
          type: string
          example: USDT
          description: 'Settlement currency: ''NGN'' or ''USDT'''
        type:
          type: string
          enum:
            - BANK_ACCOUNT
            - CRYPTO_ADDRESS
          example: CRYPTO_ADDRESS
        bank_code:
          type: string
          example: '058'
          description: Required for BANK_ACCOUNT
        account_number:
          type: string
          example: '0123456789'
          description: Required for BANK_ACCOUNT — 10-digit NUBAN
        bank_name:
          type: string
          example: Guaranty Trust Bank
        network:
          type: string
          enum:
            - TRON
            - BSC
          description: Required for CRYPTO_ADDRESS — TRON or BSC only
        address:
          type: string
          example: TXyz1234abcd...
          description: Required for CRYPTO_ADDRESS
        tag:
          type: string
          example: null
          description: Destination tag/memo, where the chain uses one
      required:
        - currency
        - type
    RefundDestinationResponseDto:
      type: object
      properties:
        id:
          type: string
        currency:
          type: string
          example: USDT
        type:
          type: string
          enum:
            - BANK_ACCOUNT
            - CRYPTO_ADDRESS
        bank_name:
          type: object
          example: Guaranty Trust Bank
          nullable: true
        bank_code:
          type: object
          example: '058'
          nullable: true
        account_number_masked:
          type: object
          example: '******6789'
          nullable: true
          description: Masked — last 4 digits only
        account_name:
          type: object
          example: ACME LTD
          nullable: true
          description: Bank-confirmed name
        network:
          type: string
          enum:
            - TRON
            - BSC
          nullable: true
        address_masked:
          type: object
          example: TXyz...abcd
          nullable: true
          description: Masked — first 6 / last 4
        is_verified:
          type: boolean
          example: true
          description: Bank accounts only — crypto addresses cannot be verified
        is_active:
          type: boolean
        created_at:
          type: string
        updated_at:
          type: string
      required:
        - id
        - currency
        - type
        - bank_name
        - bank_code
        - account_number_masked
        - account_name
        - network
        - address_masked
        - is_verified
        - is_active
        - created_at
        - updated_at
  securitySchemes:
    api-key:
      type: apiKey
      in: header
      name: X-API-Key

````