> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useagentbank.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Get payment instrument schemas

> Read the uniform recipient form schema for QR, direct bank transfer, and mobile money.

```text theme={null}
GET /api/payment-instruments/schema
```

**Authentication:** none. This public contract is shared by personal and
partner clients and is independent of fiat country.

## Request

This endpoint has no parameters or request body.

```bash theme={null}
curl -sS "$AGENTBANK_BASE_URL/api/payment-instruments/schema"
```

## Response

```json theme={null}
{
  "schema_version": 1,
  "payment_instruments": [
    {
      "payment_instrument": "qr",
      "fields": [
        {"name":"qr_content","value_type":"string","required":true,"description":"Raw EMV or provider QR payload."},
        {"name":"country","value_type":"string","required":false,"description":"Optional ISO alpha-2 recipient-country constraint."}
      ]
    },
    {
      "payment_instrument": "bank_transfer",
      "fields": [
        {"name":"country","value_type":"string","required":true},
        {"name":"bank_name","value_type":"string","required":true},
        {"name":"account_number","value_type":"string","required":true},
        {"name":"holder_name","value_type":"string","required":true},
        {"name":"bank_code","value_type":"string","required":false}
      ]
    },
    {
      "payment_instrument": "mobile_money",
      "fields": [
        {"name":"country","value_type":"string","required":true},
        {"name":"mobile_money_network_code","value_type":"string","required":true},
        {"name":"mobile_money_destination","value_type":"string","required":true}
      ]
    }
  ]
}
```

Use this response to build a common recipient form. Then use
[List fiat payment capabilities](./fiat-payment-capabilities) to determine
which instrument/country combinations are live, and use
[List supported bank names](./supported-bank-names) when direct bank transfer
is selected. A QR `country` is optional here but can become required by the
selected live route's `recipient_requirements`.