---
description: >-
  Reference data endpoints for querying banks, country-specific schemas for
  accounts, payouts, and persons. Use these to build dynamic forms and
  validate data before submitting transactions.
---

# Reference Data

Reference data endpoints return country-specific information needed to build forms, validate inputs, and populate dropdowns before creating payments, persons, or accounts.

## Endpoints

- [Banks](banks.md) — Look up a bank by number or list all banks in a country
- [Schemas](schemas.md) — Retrieve country-specific field requirements for accounts, payouts, and persons

## Caching

Reference data changes infrequently. Cache responses for up to **24 hours** to reduce API calls and improve performance.