fix: updating claude skill for latest grid api changes (#278)

### TL;DR

Updated Grid API skill documentation to reflect new API version with standardized account types, authentication credentials, and enhanced features like exchange rate checking and crypto withdrawal fee estimation.

### What changed?

- **Authentication**: Changed from `GRID_API_TOKEN_ID` to `GRID_CLIENT_ID` and `GRID_API_CLIENT_SECRET` to `GRID_CLIENT_SECRET` with backward compatibility
- **Account Types**: Standardized all fiat account types to use currency-specific naming (e.g., `CLABE` → `MXN_ACCOUNT`, `PIX` → `BRL_ACCOUNT`, `IBAN` → `EUR_ACCOUNT`) and added required `paymentRails` field
- **New Features**: Added exchange rates endpoint (`GET /exchange-rates`) for pre-quote FX rate checking and crypto withdrawal fee estimation endpoint (`POST /crypto/estimate-withdrawal-fee`)
- **Expanded Coverage**: Added support for 24 fiat account types across 28 countries including mobile money accounts for African markets
- **Enhanced Documentation**: Updated all curl examples, added new workflow for FX rate checking, and improved account type reference with validation patterns

### How to test?

1. Verify authentication works with both old and new credential formats
2. Test creating external accounts with new account types and `paymentRails` field
3. Query exchange rates endpoint for various currency corridors
4. Test crypto withdrawal fee estimation for supported networks
5. Validate account creation examples for all 24 fiat account types

### Why make this change?

The Grid API has evolved to support more payment corridors and provide better rate transparency. The standardized account types and payment rails make the API more consistent, while the new exchange rates endpoint allows integrators to show indicative pricing before committing to quotes. The expanded geographic coverage enables payments to more markets globally.

Author: pengying

.claude/skills/grid-api/SKILL.md

@@ -6,8 +6,9 @@ description: >
   "what currencies does Grid support", "how do I use the Grid API", "send money to [country]",
   "pay [UMA address]", "send to CLABE", "send to PIX", "send to IBAN", "send to UPI",
   "fund sandbox account", "test a payment", "on-ramp", "off-ramp", "convert crypto to fiat",
-  "convert fiat to crypto", "look up UMA", "real-time quote", "JIT funding", or any payment
-  operations using the Grid API CLI.
+  "convert fiat to crypto", "look up UMA", "real-time quote", "JIT funding", "check exchange rate",
+  "FX rate", "payment corridor", "what rate will I get", "estimate withdrawal fee",
+  "crypto withdrawal fee", or any payment operations using the Grid API CLI.
 allowed-tools:
   - Bash
   - Read
@@ -28,7 +29,7 @@ Assist users with global payment operations via the Grid API. Core capabilities:
 
 For detailed information, read these reference files in the `references/` directory:
 
-- **`references/account-types.md`** - Country-specific external account requirements (CLABE, PIX, IBAN, UPI, etc.) with field requirements and curl examples. Read this when creating external accounts for international payments.
+- **`references/account-types.md`** - Country-specific external account requirements (MXN, BRL, EUR, INR, GBP, NGN, and 18 more) with field requirements and curl examples. Read this when creating external accounts for international payments.
 - **`references/endpoints.md`** - Complete API endpoint reference with methods, paths, and response codes. Read this when answering questions about specific API capabilities.
 - **`references/workflows.md`** - Step-by-step payment workflow guides for common scenarios (UMA payments, international transfers, on-ramp, off-ramp). Read this when guiding users through multi-step payment flows.
 
@@ -46,7 +47,7 @@ For detailed information, read these reference files in the `references/` direct
 
 - **Platform internal accounts**: For pooled funds, rewards distribution, treasury
 - **Customer internal accounts**: Per-currency holding accounts created automatically for each customer
-- **External accounts**: Traditional bank accounts (CLABE, IBAN, UPI, etc.) or crypto wallets
+- **External accounts**: Traditional bank accounts (MXN_ACCOUNT, EUR_ACCOUNT, USD_ACCOUNT, etc.) or crypto wallets
 
 ### Account Status Lifecycle
 
@@ -62,15 +63,15 @@ For detailed information, read these reference files in the `references/` direct
 
 The Grid API uses HTTP Basic Auth. Before making any API calls, ensure credentials and base URL are set as environment variables:
 
-- `GRID_API_TOKEN_ID` - API token ID
-- `GRID_API_CLIENT_SECRET` - API client secret
+- `GRID_CLIENT_ID` - API client ID
+- `GRID_CLIENT_SECRET` - API client secret
 - `GRID_BASE_URL` - API base URL
 
 If not set, load them from `~/.grid-credentials`:
 
 ```bash
-export GRID_API_TOKEN_ID=$(jq -r .apiTokenId ~/.grid-credentials)
-export GRID_API_CLIENT_SECRET=$(jq -r .apiClientSecret ~/.grid-credentials)
+export GRID_CLIENT_ID=$(jq -r '.clientId // .apiTokenId' ~/.grid-credentials)
+export GRID_CLIENT_SECRET=$(jq -r '.clientSecret // .apiClientSecret' ~/.grid-credentials)
 export GRID_BASE_URL=$(jq -r '.baseUrl // "https://api.lightspark.com/grid/2025-10-13"' ~/.grid-credentials)
 ```
 
@@ -94,14 +95,14 @@ For questions not covered by this skill's reference files, fetch additional info
 All API calls use HTTP Basic Auth via `curl -u`:
 
 ```bash
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/<endpoint>"
 ```
 
 For POST/PATCH requests, add the JSON body:
 
 ```bash
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST \
   -H "Content-Type: application/json" \
   -d '<json-body>' \
@@ -116,11 +117,11 @@ Pipe through `jq` for readable output: `| jq .`
 
 ```bash
 # Get platform config (currencies, limits)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/config" | jq .
 
 # Update platform config (e.g., set webhook endpoint)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X PATCH -H "Content-Type: application/json" \
   -d '{"webhookEndpoint": "https://example.com/webhooks"}' \
   "$GRID_BASE_URL/config" | jq .
@@ -130,15 +131,15 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
 
 ```bash
 # List customers
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers?limit=20" | jq .
 
 # Get customer details
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers/<customerId>" | jq .
 
 # Create customer
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "platformCustomerId": "<platform-id>",
@@ -148,44 +149,45 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers" | jq .
 
 # Update customer (customerType is required)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X PATCH -H "Content-Type: application/json" \
   -d '{"customerType": "INDIVIDUAL", "fullName": "New Name"}' \
   "$GRID_BASE_URL/customers/<customerId>" | jq .
 
 # Delete customer
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X DELETE \
   "$GRID_BASE_URL/customers/<customerId>" | jq .
 
 # Generate KYC link (GET with query params)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers/kyc-link?platformCustomerId=<platformCustomerId>&redirectUri=https://example.com/callback" | jq .
 ```
 
 ### Account Management
 
 ```bash
 # List customer internal accounts
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers/internal-accounts?customerId=<customerId>" | jq .
 
 # List platform internal accounts
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/platform/internal-accounts" | jq .
 
 # List customer external accounts
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers/external-accounts?customerId=<customerId>" | jq .
 
-# Create external account (example: Mexico CLABE - Individual)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+# Create external account (example: Mexico MXN_ACCOUNT - Individual)
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "customerId": "<customerId>",
     "currency": "MXN",
     "accountInfo": {
-      "accountType": "CLABE",
+      "accountType": "MXN_ACCOUNT",
+      "paymentRails": ["SPEI"],
       "clabeNumber": "<18-digit-number>",
       "beneficiary": {
         "beneficiaryType": "INDIVIDUAL",
@@ -198,13 +200,72 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/customers/external-accounts" | jq .
 ```
 
-For all supported account types (PIX, IBAN, UPI, NGN, US, crypto wallets) and their field requirements, read `references/account-types.md`.
+For all 24 supported fiat account types and 6 crypto wallet types with their field requirements, read `references/account-types.md`.
+
+### Exchange Rates (Pre-Quote FX Rates)
+
+Use this to check indicative FX rates for a payment corridor **before** creating a receiving account or a quote. Rates are cached ~5 minutes and include platform-specific fees.
+
+```bash
+# Get all available corridors from USD
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
+  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD" | jq .
+
+# Get rate for a specific corridor (USD → INR)
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
+  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR" | jq .
+
+# Get rate with a specific sending amount (10000 = $100.00 in cents)
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
+  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR&sendingAmount=10000" | jq .
+
+# Get rates for multiple destination currencies
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
+  "$GRID_BASE_URL/exchange-rates?sourceCurrency=USD&destinationCurrency=INR&destinationCurrency=EUR" | jq .
+```
+
+The response includes per-corridor:
+- `sourceCurrency` / `destinationCurrency` with code, decimals, name, symbol
+- `destinationPaymentRail` (e.g., UPI, SEPA_INSTANT, MOBILE_MONEY, FASTER_PAYMENTS)
+- `sendingAmount` / `receivingAmount` in smallest currency units
+- `minSendingAmount` / `maxSendingAmount` — corridor limits
+- `exchangeRate` — units of destination per unit of source
+- `fees.fixed` — fixed fee in smallest unit of sending currency
+- `updatedAt` — when the rate was last refreshed
+
+**Note:** These are indicative cached rates. For a locked, executable rate, create a quote via `POST /quotes`.
+
+### Crypto Withdrawal Fee Estimation
+
+Estimate network and application fees before a crypto withdrawal:
+
+```bash
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
+  -X POST -H "Content-Type: application/json" \
+  -d '{
+    "internalAccountId": "<internalAccountId>",
+    "currency": "USDC",
+    "cryptoNetwork": "SOLANA_MAINNET",
+    "amount": 1000000,
+    "destinationAddress": "<blockchain-address>"
+  }' \
+  "$GRID_BASE_URL/crypto/estimate-withdrawal-fee" | jq .
+```
+
+Returns:
+- `networkFee` — gas fee in `networkFeeAsset` units (e.g., lamports for SOL)
+- `networkFeeAsset` — asset used for network fee (e.g., SOL)
+- `applicationFee` — platform fee in withdrawal currency units
+- `totalFee` — total cost in withdrawal currency (network fee converted + application fee)
+- `netAmount` — amount recipient receives after all fees
+
+Supported networks: `SOLANA_MAINNET`, `SOLANA_DEVNET`, `ETHEREUM_MAINNET`, `POLYGON_MAINNET`, `TRON_MAINNET`
 
 ### Quotes (Cross-Currency Transfers)
 
 ```bash
 # Account-funded to UMA: Use when funds are already in an internal account
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "source": {
@@ -222,7 +283,7 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/quotes" | jq .
 
 # Account-funded to external account: IMPORTANT - always include destination currency
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "source": {
@@ -240,7 +301,7 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/quotes" | jq .
 
 # Real-time/JIT funded: Returns paymentInstructions for funding
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "source": {
@@ -259,24 +320,24 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/quotes" | jq .
 
 # Execute a quote
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST \
   "$GRID_BASE_URL/quotes/<quoteId>/execute" | jq .
 
 # List quotes
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/quotes?status=PENDING" | jq .
 
 # Get quote details
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/quotes/<quoteId>" | jq .
 ```
 
 ### Same-Currency Transfers
 
 ```bash
 # Transfer in (external → internal, same currency)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "source": {"accountId": "<externalAccountId>"},
@@ -286,7 +347,7 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
   "$GRID_BASE_URL/transfer-in" | jq .
 
 # Transfer out (internal → external, same currency)
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "source": {"accountId": "<internalAccountId>"},
@@ -300,20 +361,20 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
 
 ```bash
 # List transactions
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/transactions?status=PENDING" | jq .
 
 # Get transaction details
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/transactions/<transactionId>" | jq .
 
 # Approve incoming payment
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST \
   "$GRID_BASE_URL/transactions/<transactionId>/approve" | jq .
 
 # Reject incoming payment
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{"reason": "Reason for rejection"}' \
   "$GRID_BASE_URL/transactions/<transactionId>/reject" | jq .
@@ -323,11 +384,11 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
 
 ```bash
 # Look up UMA address capabilities
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/receiver/uma/%24alice%40example.com" | jq .
 
 # Look up external account capabilities
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   "$GRID_BASE_URL/receiver/external-account/<accountId>" | jq .
 ```
 
@@ -337,19 +398,19 @@ curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
 
 ```bash
 # Fund an internal account in sandbox
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{"amount": 100000}' \
   "$GRID_BASE_URL/sandbox/internal-accounts/<internalAccountId>/fund" | jq .
 
 # Simulate sending funds to a real-time quote
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{"quoteId": "<quoteId>", "currencyCode": "<code>"}' \
   "$GRID_BASE_URL/sandbox/send" | jq .
 
 # Simulate receiving a UMA payment
-curl -s -u "$GRID_API_TOKEN_ID:$GRID_API_CLIENT_SECRET" \
+curl -s -u "$GRID_CLIENT_ID:$GRID_CLIENT_SECRET" \
   -X POST -H "Content-Type: application/json" \
   -d '{
     "senderUmaAddress": "$sender@sandbox.grid.uma.money",
@@ -397,6 +458,7 @@ Internal Account (USD) → External Account (USD)  [transfer-out]
 
 For step-by-step payment workflows, read `references/workflows.md`. Common workflows:
 
+- **Check FX Rate (Pre-Quote)**: Query `GET /exchange-rates` for indicative rates before setting up accounts or quotes
 - **UMA Payment**: Receiver lookup -> Quote -> Confirm -> Execute
 - **International Bank Transfer**: Create external account -> Receiver lookup -> Quote -> Confirm -> Execute
 - **On-Ramp (Fiat to Crypto)**: Verify KYC -> Deposit fiat -> Create crypto external account -> Quote with `immediatelyExecute`
@@ -416,7 +478,7 @@ Use this flow when the user asks for a "realtime quote" or "just in time" funded
 
 1. Create a quote with `sourceType: "REALTIME_FUNDING"`. Destination can be an internal account, external account, or UMA address.
 2. The response includes `paymentInstructions` with **multiple funding options simultaneously** (e.g., Lightning + Spark for BTC, Solana + Base + Polygon for USDC). Show all options to the user.
-3. **Auto-execution**: Once the user sends funds to ANY of the provided addresses, Grid automatically detects the deposit and executes at the locked rate. Do NOT call the execute endpoint for JIT quotes. Webhooks sent: `ACCOUNT_STATUS` on deposit, `OUTGOING_PAYMENT` on completion.
+3. **Auto-execution**: Once the user sends funds to ANY of the provided addresses, Grid automatically detects the deposit and executes at the locked rate. Do NOT call the execute endpoint for JIT quotes. Webhooks sent: `internal-account-status` on deposit, `outgoing-payment` on completion.
 4. **Quote expiration**: Quotes expire in 1-5 minutes. If expired, create a new quote.
 
 ## Best Practices and Common Pitfalls
@@ -428,9 +490,9 @@ Use this flow when the user asks for a "realtime quote" or "just in time" funded
 5. **Pipe through jq**: Always append `| jq .` for readable output, or `| jq -r .field` to extract specific values
 6. **URL-encode special characters**: UMA addresses contain `$` — encode as `%24` in URL paths
 7. **Always include destination currency in quotes**: When specifying a destination account, you MUST include `currency` in the destination object even though the external account already has a currency
-8. **Individual beneficiary fields are all required**: For `beneficiaryType: "INDIVIDUAL"`, you MUST include `fullName`, `birthDate` (YYYY-MM-DD), and `nationality` (2-letter code) in the `beneficiary` object
+8. **Individual beneficiary requires fullName**: For `beneficiaryType: "INDIVIDUAL"`, `fullName` is required. `birthDate` (YYYY-MM-DD) and `nationality` (2-letter code) are optional but recommended
 9. **Use correct Nigerian field names**: Use `bankName` (NOT `bankCode`) and include `purposeOfPayment`
-10. **Don't forget country-specific required fields**: Brazil (PIX) requires `pixKey`, `pixKeyType`, and `taxId`; Europe (IBAN) requires `swiftBic`
+10. **Don't forget country-specific required fields**: Brazil (BRL_ACCOUNT) requires `pixKey`, `pixKeyType`, and `taxId`; Europe (EUR_ACCOUNT) requires `iban`; all fiat accounts require `paymentRails`
 
 ## Error Handling