Create a Beneficiary

curl --request POST \
  --url https://api.antonpayments.com/v1/beneficiaries \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'DPoP: <api-key>' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "type": "individual",
  "country": "GB",
  "external_ref": "contractor-1042",
  "individual": {
    "first_name": "Jane",
    "last_name": "Smith",
    "email": "jane@example.com",
    "phone": "+442079460000",
    "date_of_birth": "1988-05-12",
    "nationality": "GB",
    "address": {
      "street_line_1": "10 Example Street",
      "city": "London",
      "postal_code": "SW1A 1AA",
      "country": "GB"
    }
  }
}
'

{
  "data": {
    "id": "ben_01HX8Z9K0M2N3P4Q5R6S7T8UA1",
    "merchant_id": "mer_01HX8Z9K0M2N3P4Q5R6S7T8UZZ",
    "type": "individual",
    "status": "active",
    "display_name": "Jane Smith",
    "country": "GB",
    "external_ref": "contractor-1042",
    "risk_score": 120,
    "risk_tier": "LOW",
    "metadata": {
      "department": "engineering"
    },
    "created_at": "2026-04-15T14:30:00Z",
    "updated_at": "2026-04-15T14:30:00Z"
  }
}