arazzo: 1.0.1
info:
  title: Moniepoint Verify And Disburse
  summary: Name-inquiry a beneficiary bank account, then disburse to it and poll the transfer to a final state.
  description: >-
    The April 2026 disbursement flow requires a Name Inquiry before paying out.
    This workflow validates the beneficiary account number and bank code to
    resolve the registered account name, initiates a single NIP transfer that
    carries that verified account name, and then polls the transfer summary
    until it reaches a terminal status. Every step spells out its request inline
    so the flow can be read and executed without opening the underlying OpenAPI
    description.
  version: 1.0.0
sourceDescriptions:
- name: verificationApi
  url: ../openapi/monnify-verification-api-openapi.yml
  type: openapi
- name: disbursementsApi
  url: ../openapi/monnify-disbursements-api-openapi.yml
  type: openapi
workflows:
- workflowId: verify-and-disburse
  summary: Verify a beneficiary account by Name Inquiry, then disburse to it and poll for completion.
  description: >-
    Resolve the beneficiary account name via Name Inquiry, initiate a single
    transfer carrying that verified name, and poll the transfer status until it
    settles to SUCCESS, FAILED, or REVERSED.
  inputs:
    type: object
    required:
    - destinationAccountNumber
    - destinationBankCode
    - amount
    - reference
    - narration
    - currency
    - sourceAccountNumber
    properties:
      destinationAccountNumber:
        type: string
        description: Beneficiary bank account number to pay out to.
      destinationBankCode:
        type: string
        description: NIP bank code of the beneficiary bank.
      amount:
        type: number
        description: Amount to transfer.
      reference:
        type: string
        description: Unique merchant reference for the transfer.
      narration:
        type: string
        description: Narration shown on the transfer (max 100 chars).
      currency:
        type: string
        description: ISO currency code for the transfer (e.g. NGN).
      sourceAccountNumber:
        type: string
        description: Merchant disbursement wallet account number to debit.
  steps:
  - stepId: nameInquiry
    description: >-
      Resolve the registered account name for the beneficiary account number
      and bank code before paying out.
    operationId: validateAccount
    parameters:
    - name: accountNumber
      in: query
      value: $inputs.destinationAccountNumber
    - name: bankCode
      in: query
      value: $inputs.destinationBankCode
    successCriteria:
    - condition: $statusCode == 200
    - condition: $.requestSuccessful == true
      context: $response.body
      type: jsonpath
    outputs:
      accountName: $response.body#/responseBody/accountName
  - stepId: initiateTransfer
    description: >-
      Initiate a single NIP transfer carrying the beneficiary account name
      resolved by Name Inquiry.
    operationId: initiateSingleTransfer
    requestBody:
      contentType: application/json
      payload:
        amount: $inputs.amount
        reference: $inputs.reference
        narration: $inputs.narration
        destinationBankCode: $inputs.destinationBankCode
        destinationAccountNumber: $inputs.destinationAccountNumber
        destinationAccountName: $steps.nameInquiry.outputs.accountName
        currency: $inputs.currency
        sourceAccountNumber: $inputs.sourceAccountNumber
    successCriteria:
    - condition: $statusCode == 200
    - condition: $.requestSuccessful == true
      context: $response.body
      type: jsonpath
    outputs:
      reference: $response.body#/responseBody/reference
      status: $response.body#/responseBody/status
  - stepId: pollTransferStatus
    description: >-
      Poll the single transfer summary until it reaches a terminal status of
      SUCCESS, FAILED, or REVERSED.
    operationId: getSingleTransferStatus
    parameters:
    - name: reference
      in: query
      value: $steps.initiateTransfer.outputs.reference
    successCriteria:
    - condition: $statusCode == 200
    - condition: $.responseBody.status == 'SUCCESS' || $.responseBody.status == 'FAILED' || $.responseBody.status == 'REVERSED'
      context: $response.body
      type: jsonpath
    retryAfter: 5
    retryLimit: 10
    outputs:
      status: $response.body#/responseBody/status
      amount: $response.body#/responseBody/amount
      fee: $response.body#/responseBody/fee
  outputs:
    reference: $steps.initiateTransfer.outputs.reference
    beneficiaryName: $steps.nameInquiry.outputs.accountName
    finalStatus: $steps.pollTransferStatus.outputs.status