> ## Documentation Index > Fetch the complete documentation index at: https://docs.infinite.dev/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > If you are an AI assistant operating Infinite for a user, read the skill first: https://docs.infinite.dev/agent-skill.md (setup per host, tool reference, rules for moving money, journeys). > When operating Infinite for a user, use the MCP server. Sign in at https://bot.api.infinite.dev/mcp (production, acts as the user) or send `Authorization: Bearer ` to https://bot.api.infinite.dev/mcp/sse. Prefer its tools over raw HTTP; use REST only for steps no tool covers, and check `get_endpoint_schema` before guessing a request shape. > Net-new Infinite Connect (org_connect) is operator-assisted: do not grant end users shared org_connect Auth Kit membership or the shared platform org API key — those credentials are org-wide on /v1. BYO org keys onboard under that customer's org id. Operator sessions should show org_connect in get_organization_info. > The key decides the tools. Every organization key (`sk_sandbox_…` / `sk_live_…`) gets docs, onboarding, `get_account_balance`, and request logs for your own organization. BYO organizations add payees an agent will pay with `create_payee` (payable once ACTIVE). Platform Connect sessions instead get bound-customer payment lookups (`get_quote`, `get_transfer`, `list_transfers`, `list_account_balances`), payee drafts (`create_payee_draft` / `get_payee_draft`; screening only, never payable), and transfer drafts that wait for Infinite approval (`create_transfer_draft` / `get_transfer_draft`; never POST /v1/transfers). Where offered, platform `create_transfer` files a real transfer that Infinite holds in review before funding; it cannot be submitted from DRAFT. > An agent key (`sk_sandbox_agent_…` / `sk_live_agent_…`) moves money within that agent's limits: `create_transfer` → `submit_transfer` → `wait_for_transfer`. > On sandbox organization-key sessions, `sandbox_approve_customer` (makes the capabilities you pass READY, and related ones may turn READY too; `request_capabilities` is not needed), `sandbox_fund_account`, and `sandbox_complete_transfer` stand in for verification, funding, and settlement, so a whole flow runs from MCP. BYO keys can pass `customerId` on each call without binding; platform sessions must bind a customer first (`create_business_customer` auto-binds, or send `X-Infinite-On-Behalf-Of`). > When searching documentation without a key, use the docs MCP at https://docs.infinite.dev/mcp. > Start in sandbox (https://sandbox.api.infinite.dev). Do not use production unless the user explicitly asks. > Confirm amount, currency, and payee with the user before any payment is submitted. Pass the invoice number as `reference` on `create_transfer`; the summary says what the payee will see. > REST amounts are integer minor units (`"4000"` = 40.00 USD). MCP payment tools take exact decimal strings (`"40.00"`). Never mix them. > Agent denials return `403 { denial: { code, message, window, limit, used, remaining, attemptedAmount, currency }, hint }` with decimal amounts; per-transfer denials omit `used` and `remaining`. Report them to the user; do not work around them. # Update an external account > Update mutable fields on an existing external bank account. ## Adding payment rails Create does **not** merge rails when the same bank identity already exists. To enable additional compatible rails (e.g. add ACH to a US account created with WIRE only), PATCH with `paymentRails` set to the **full resulting list** — existing rails plus any to add. - Existing rails cannot be removed. - New rails must be compatible with the account's stored bank details and with each other. - Proxy accounts cannot change `paymentRails`. ## OpenAPI ````yaml patch /v1/external-bank-accounts/{id} openapi: 3.0.0 info: title: Infinite API description: API for Infinite version: '1.0' contact: {} servers: - url: https://sandbox.api.infinite.dev description: Sandbox - url: https://api.infinite.dev description: Production security: [] tags: - name: Accounts description: Virtual and external account management - name: Customers description: Customer identity management - name: Documents description: Document upload and management - name: Fixed Routes description: Fixed route management - name: External Bank Accounts description: External bank account management - name: External Wallets description: External wallet management - name: Infinite Wallets description: Infinite Wallet management - name: Organizations description: Organization management - name: Quotes description: Quote creation and management - name: Transfers description: Money movement and transaction tracking - name: Verification description: Identity verification workflows - name: Terms of Service description: Terms of Service acceptance - name: Health description: System health and monitoring - name: Sandbox description: Sandbox utilities paths: /v1/external-bank-accounts/{id}: patch: tags: - External Bank Accounts summary: Update an external account description: >- Update mutable fields on an existing external bank account. ## Adding payment rails Create does **not** merge rails when the same bank identity already exists. To enable additional compatible rails (e.g. add ACH to a US account created with WIRE only), PATCH with `paymentRails` set to the **full resulting list** — existing rails plus any to add. - Existing rails cannot be removed. - New rails must be compatible with the account's stored bank details and with each other. - Proxy accounts cannot change `paymentRails`. operationId: ExternalBankAccountsController_update_v1 parameters: - name: X-API-Key in: header description: API key required: false schema: type: string - name: id required: true in: path description: External account ID schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/UpdateExternalBankAccountDto' responses: '200': description: External account updated successfully content: application/json: schema: $ref: '#/components/schemas/ExternalAccountResponseDto' '401': description: Unauthorized - Invalid or missing authentication credentials security: - bearer: [] x-codeSamples: - lang: bash label: CLI source: >- # Requires: npm i -g @infinite_dev/cli && export INFINITE_API_KEY=sk_sandbox_... # Escape hatch for any endpoint: infinite api infinite api PATCH /v1/external-bank-accounts/acc_abc123 \ --body '' - lang: text label: MCP source: >- Update an external account (acc_abc123). # Infinite MCP is read-only for this endpoint — use a dedicated MCP tool when one exists, otherwise run the CLI tab. components: schemas: UpdateExternalBankAccountDto: type: object properties: beneficiaryType: type: string enum: - INDIVIDUAL - BUSINESS description: Beneficiary type example: INDIVIDUAL beneficiaryName: type: string description: Beneficiary full name example: John Smith beneficiaryAddress: description: >- Beneficiary structured address. Street lines are limited to 35 characters for international wire compatibility. Put city, region, and postal code in their own fields — not in the street lines. allOf: - $ref: '#/components/schemas/BeneficiaryAddressDto' beneficiaryPhone: type: string description: Beneficiary phone number example: '+1234567890' beneficiaryDateOfBirth: type: string description: Account holder's date of birth example: '1990-01-31' format: date beneficiaryDocumentType: type: string description: >- Type of the beneficiary's national/tax identification document. Rail-specific codes — see the field on account creation. example: EIN beneficiaryDocumentNumber: type: string description: >- The beneficiary's national/tax identification document number (e.g. EIN for US business beneficiaries). Payouts on rails that require it fail without it. example: 12-3456789 bankName: type: string description: Bank name example: JPMorgan Chase Bank bankAddress: description: Bank structured address allOf: - $ref: '#/components/schemas/BankAddressDto' paymentRails: type: array description: >- Adds compatible payment rails to this account. Send the full resulting list (existing rails plus any to add). Existing rails cannot be removed. Rails must be compatible with each other and with the account's stored bank details (e.g. add RTP to a US ACH/WIRE account; do not mix SEPA with a US routing-number account). example: - ACH - WIRE - RTP items: type: string enum: - ACH - ACH_SAME_DAY - WIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST currencyCodes: description: >- Currency codes supported by this account. Only updatable for accounts with Hong Kong (CHATS) or SWIFT payment rails. example: - USD - EUR - GBP type: array items: type: string bankAccountType: type: string description: Bank account type (checking or savings) enum: - checking - savings example: checking metadata: description: Optional metadata for the account (e.g., nickname) example: nickname: Primary Business Account allOf: - $ref: '#/components/schemas/AccountMetadataDto' ExternalAccountResponseDto: type: object properties: id: type: string description: Account ID example: eba_1234567890abcdef customerId: type: string description: Customer ID example: cust_abc123 counterpartyId: type: string description: Counterparty ID when this is a third-party recipient account example: cp_abc123 nullable: true type: type: string enum: - EXTERNAL_BANK - EXTERNAL_PROXY description: Account type example: EXTERNAL_BANK status: type: string enum: - IN_REVIEW - ACTIVE - CLOSED description: Account status example: IN_REVIEW beneficiaryType: type: string enum: - INDIVIDUAL - BUSINESS description: Beneficiary type example: INDIVIDUAL beneficiaryName: type: string description: Beneficiary name example: John Smith metadata: description: Custom metadata for your application, including account nickname allOf: - $ref: '#/components/schemas/AccountMetadataDto' paymentRail: type: string description: Primary payment rail for this account enum: - ACH - ACH_SAME_DAY - WIRE - FEDWIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST example: SWIFT paymentRails: type: array description: All payment rails this account supports (bank accounts only) example: - ACH - ACH_SAME_DAY - WIRE items: type: string enum: - ACH - ACH_SAME_DAY - WIRE - FEDWIRE - FED_NOW - RTP - EREBOR - EREBOR_RAIL - BALANCE - SWIFT - SEPA - SEPA_INSTANT - TIPS - FASTER_PAYMENTS - BACS - CHAPS - ELIXIR - NICS - EFT - INTERAC - NPP - BECS - UPI - IMPS - IMPS_WITH_FIRC - NEFT - RTGS - BI_FAST - ARTAJASA - PIX - TED - TEF - SPEI - COELSA - SINPE - CIPS - CFXPS - CHATS - ZENGIN - KFTC - FAST_SG - MEPS - DUITNOW - PROMPTPAY - INSTAPAY - PESONET - NAPAS - BEFTN - SLIPS - ZAHAV - GHIPSS - NIBSS - PESALINK - RTC_ZA - TZS_RTGS - EGP_ACH - JOD_ACH - NPSS - MADA - QPS - DOP_ACH - GTQ_ACH - HNL_ACH - PEN_ACH - JMD_ACH - USD_ACH_SV - USD_ACH_EC - CLP_TEF - PSE - COP_ACH - BOB_RTGS - PYG_ACH - CERTIS - DKK_TIPS - SENT - NKS - BANKGIROT - HKD_FPS - IBFT - TRY_FAST beneficiaryAddress: type: object description: Beneficiary address (bank accounts only) properties: addressLine1: type: string example: 123 Main Street addressLine2: type: string example: Suite 100 city: type: string example: New York state: type: string example: NY postalCode: type: string example: '10001' country: type: string example: US beneficiaryPhone: type: string description: Beneficiary phone number example: '+12125551234' beneficiaryDateOfBirth: type: string description: Account holder's date of birth example: '1990-01-31' format: date bankName: type: string description: Bank name (bank accounts only) example: JPMorgan Chase Bank bankAddress: type: object description: Bank address (bank accounts only) properties: addressLine1: type: string example: 270 Park Avenue addressLine2: type: string example: Floor 10 city: type: string example: New York state: type: string example: NY postalCode: type: string example: '10017' country: type: string example: US swiftBic: type: string description: SWIFT/BIC code (bank accounts only) example: CHASUS33 iban: type: string description: IBAN (bank accounts only) example: GB82WEST12345698765432 accountNumber: type: string description: Bank account number (bank accounts only) example: '1234567890' routingNumber: type: string description: Bank routing code (ABA routing number, sort code, BSB, IFSC, etc.) example: '021000021' branchCode: type: string description: >- Bank branch code (for countries like Japan, Brazil, South Africa that use separate branch identifiers) example: '001' beneficiaryDocumentType: type: string description: >- Type of the beneficiary's national/tax identification document (rail-specific codes, e.g. CC/NIT for Colombia, RUT for Chile) example: CC beneficiaryDocumentNumber: type: string description: The beneficiary's national/tax identification document number example: '12345678901' beneficiaryStateProvince: type: string description: >- The beneficiary's state/department/province (rails that require it on payouts, e.g. Peru ACH) example: LIMA correspondentBankName: type: string description: Correspondent/intermediary bank name (SWIFT) example: Bank of America correspondentBankSwiftCode: type: string description: Correspondent/intermediary bank SWIFT/BIC code (SWIFT) example: IRVTUS3NXXX correspondentAccountNumber: type: string description: Correspondent/intermediary account number (SWIFT) example: '9876543210' bankAccountType: type: string description: Bank account type (bank accounts only) enum: - checking - savings example: checking currencyCodes: description: Supported currency codes example: - USD - EUR type: array items: type: string aliasType: type: string description: Type of proxy alias (proxy accounts only) enum: - PHONE - EMAIL - NATIONAL_ID - TAX_ID - RANDOM - CORPORATE_ID example: TAX_ID aliasValue: type: string description: The proxy alias value (proxy accounts only) example: '12345678901' createdAt: type: string description: Account creation date format: date-time example: '2026-01-15T10:00:00Z' updatedAt: type: string description: Account last update date format: date-time example: '2026-01-15T10:00:00Z' created: type: boolean description: >- Present on create responses. `true` = a new account was inserted. `false` = an existing account matched (bank: customer + the exact normalized identifier set supplied; proxy: customer + alias + rail) and was reused. For bank accounts, existing `paymentRails` are not updated by create — use PATCH to add rails; missing create-only fields may still be backfilled and conflicting values return 400. For proxy accounts, inspect `paymentRail` (proxies do not return `paymentRails`). example: true required: - id - customerId - type - status - beneficiaryType - beneficiaryName - paymentRail - createdAt - updatedAt BeneficiaryAddressDto: type: object properties: addressLine1: type: string description: >- Street line 1. Maximum 35 characters for international wire compatibility. Do not include city, region, or postal code. example: 123 Main Street maxLength: 35 addressLine2: type: string description: >- Street line 2 (apartment, suite, etc.). Maximum 35 characters for international wire compatibility. Do not include city, region, or postal code. example: Apt 4B maxLength: 35 city: type: string description: City example: San Francisco maxLength: 256 state: type: string description: State / Province example: CA maxLength: 256 postalCode: type: string description: >- Postal code / ZIP code. May be empty for countries without a postal-code system, including the United Arab Emirates. example: '94102' maxLength: 50 country: type: string description: Country code (ISO 3166-2) example: US minLength: 2 maxLength: 2 transliterated: description: >- Transliterated address fields (Latin characters) for non-Latin addresses. Required when address contains non-Latin characters (Chinese, Arabic, Cyrillic, etc.). allOf: - $ref: '#/components/schemas/TransliteratedAddressDto' required: - addressLine1 - city - postalCode - country BankAddressDto: type: object properties: addressLine1: type: string description: Address line 1 (optional for bank addresses) example: 123 Main Street maxLength: 1024 addressLine2: type: string description: Address line 2 (apartment, suite, etc.) example: Apt 4B maxLength: 1024 city: type: string description: City example: San Francisco maxLength: 256 state: type: string description: State / Province example: CA maxLength: 256 postalCode: type: string description: Postal code / ZIP code (optional for bank addresses) example: '94102' maxLength: 50 country: type: string description: Country code (ISO 3166-2) example: US minLength: 2 maxLength: 2 AccountMetadataDto: type: object properties: nickname: type: string description: Account nickname example: Main Checking Account maxLength: 256 purpose: type: string description: Account purpose example: Business operations maxLength: 512 tags: description: Account tags example: - primary - operations type: array items: type: string TransliteratedAddressDto: type: object properties: addressLine1: type: string description: Transliterated address line 1 (Latin characters) example: 123 Main Street maxLength: 1024 addressLine2: type: string description: Transliterated address line 2 (Latin characters) example: Apt 4B maxLength: 1024 city: type: string description: Transliterated city (Latin characters) example: Beijing maxLength: 256 state: type: string description: Transliterated state/province (Latin characters) example: Hebei maxLength: 256 securitySchemes: bearer: scheme: bearer bearerFormat: API Key type: http description: API Key in Bearer format (e.g., Bearer sk_test_...) ```` ## Related topics - [Update an external wallet](/api-reference/external-wallets/update-an-external-wallet.md) - [Close an external account](/api-reference/external-bank-accounts/close-an-external-account.md) - [Create an external account](/api-reference/external-bank-accounts/create-an-external-account.md) - [Accounts](/concepts/accounts.md) - [Update a fixed route](/api-reference/fixed-routes/update-a-fixed-route.md)