> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hub2.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Recipients

## Introduction

This feature is designed for merchants who want to transfer money using IRT transfers. It enables the management of recipients efficiently.

## Recipient Management

A recipient is an individual who receives funds from an international transfer via mobile money or bank transfer.

The available actions for recipients include:

* Creation – Adding a new recipient
* Retrieval – Viewing a list of recipients or a specific recipient
* Deletion – Removing a recipient

<Info>
  For complete details, refer to the [API reference](/api-reference/recipients).
</Info>

## Account Verification

When a new recipient is created, HUB2 verifies the existence of their account based on:

* Phone number for mobile money
* IBAN for bank transfers
  Once verified, KYC (Know Your Customer) information is recorded to confirm the recipient's legitimacy. This ensures that merchants can securely transfer funds to the intended recipient.

<Info>
  HUB2 also provides an endpoint to retrieve KYC information. See: [KYC Endpoint](/api-reference/compliance/read-a-kyc).
</Info>

## Next Steps

Once registered, each recipient is assigned a unique internal identifier. Merchants can use this identifier to initiate IRT transfers via the following endpoint:
[Make IRT transfer with verified recipient](/api-reference/irt/create-irt-transfer-verified-recipient)