{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$id": "https://fx-api.payments.stonex.com/schema/payment",
  "title": "StoneX Payment",
  "description": "A cross-border payment processed through the StoneX Payments API.",
  "type": "object",
  "properties": {
    "id": { "type": "string", "description": "Unique payment identifier." },
    "status": {
      "type": "string",
      "enum": ["pending", "processing", "completed", "failed", "cancelled"],
      "description": "Payment status."
    },
    "amount": { "type": "number", "description": "Source payment amount." },
    "sell_currency": { "type": "string", "description": "Source currency (ISO 4217)." },
    "buy_currency": { "type": "string", "description": "Destination currency (ISO 4217)." },
    "exchange_rate": { "type": "number", "description": "Applied exchange rate." },
    "buy_amount": { "type": "number", "description": "Amount in destination currency." },
    "payment_reference": { "type": "string", "description": "Payment reference string." },
    "created_at": { "type": "string", "format": "date-time" },
    "value_date": { "type": "string", "format": "date" },
    "beneficiary": { "$ref": "#/definitions/Beneficiary" }
  },
  "required": ["id", "status", "amount", "sell_currency", "buy_currency"],
  "definitions": {
    "Beneficiary": {
      "type": "object",
      "properties": {
        "name": { "type": "string" },
        "country": { "type": "string" },
        "account_number": { "type": "string" },
        "bank_code": { "type": "string" }
      },
      "required": ["name", "account_number"]
    }
  }
}