A counterparty represents the external bank account on the other side of an ACH or wire transfer — i.e. who you're sending money to, or pulling money from. Created once and then referenced by counterparty_id from TreasuryPrime.Ach.create/3 and TreasuryPrime.Wire.create/3.

Creating a counterparty for ACH

{:ok, counterparty} =
  TreasuryPrime.Counterparty.create(client, %{
    name_on_account: "Adam Smith",
    ach: %{
      account_number: "12345678",
      routing_number: "87654321",
      account_type: "checking"
    }
  })

Creating a counterparty for wire

{:ok, counterparty} =
  TreasuryPrime.Counterparty.create(client, %{
    name_on_account: "Adam Smith",
    wire: %{
      account_number: "12345678",
      routing_number: "87654321",
      bank_name: "Example Bank",
      bank_address: %{
        street_line_1: "123 Main St",
        city: "New York",
        state: "NY",
        postal_code: "10001",
        country: "US"
      }
    }
  })

A single counterparty may have both ach and wire sub-objects set if the same external account should be reachable by either rail.