diff --git a/src/__tests__/resources.test.ts b/src/__tests__/resources.test.ts
index 1441522..9b925cf 100644
--- a/src/__tests__/resources.test.ts
+++ b/src/__tests__/resources.test.ts
@@ -112,29 +112,29 @@ function lastJsonLog(): Record<string, unknown> {
 
 const BASE = 'https://api.blindpay.com/v1/instances/in_testInstance'
 
-describe('Receivers', () => {
+describe('Customers', () => {
   beforeEach(setupTestEnv)
   afterEach(teardownTestEnv)
 
-  test('lists receivers', async () => {
-    mockResponse.body = { data: [{ id: 're_1', type: 'individual', email: 'a@b.com' }] }
-    await resources.listReceivers({ json: true })
+  test('lists customers', async () => {
+    mockResponse.body = [{ id: 're_1', type: 'individual', email: 'a@b.com' }]
+    await resources.listCustomers({ json: true })
     expect(lastCall().method).toBe('GET')
-    expect(lastCall().url).toBe(`${BASE}/receivers`)
+    expect(lastCall().url).toBe(`${BASE}/customers`)
   })
 
-  test('fetches a receiver by id', async () => {
+  test('fetches a customer by id', async () => {
     mockResponse.body = { id: 're_xyz' }
-    await resources.getReceiver('re_xyz', { json: true })
+    await resources.getCustomer('re_xyz', { json: true })
     expect(lastCall().method).toBe('GET')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz`)
   })
 
-  test('creates a receiver, splitting --name into first_name and last_name and filling defaults', async () => {
+  test('creates a customer, splitting --name into first_name and last_name and filling defaults', async () => {
     mockResponse.body = { id: 're_new', type: 'individual' }
-    await resources.createReceiver({ email: 'a@b.com', name: 'Jane Doe', json: true })
+    await resources.createCustomer({ email: 'a@b.com', name: 'Jane Doe', json: true })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers`)
+    expect(lastCall().url).toBe(`${BASE}/customers`)
     expect(lastCall().body).toEqual({
       type: 'individual',
       email: 'a@b.com',
@@ -150,34 +150,34 @@ describe('Receivers', () => {
 
   test('updates only the fields explicitly passed via flags', async () => {
     mockResponse.body = { id: 're_xyz' }
-    await resources.updateReceiver('re_xyz', { email: 'new@b.com', json: true })
+    await resources.updateCustomer('re_xyz', { email: 'new@b.com', json: true })
     expect(lastCall().method).toBe('PUT')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz`)
     expect(lastCall().body).toEqual({ email: 'new@b.com' })
   })
 
-  test('deletes a receiver by id', async () => {
+  test('deletes a customer by id', async () => {
     mockResponse.body = { success: true }
-    await resources.deleteReceiver('re_xyz', { json: true })
+    await resources.deleteCustomer('re_xyz', { json: true })
     expect(lastCall().method).toBe('DELETE')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz`)
   })
 
-  test('fetches receiver limits', async () => {
+  test('fetches customer limits', async () => {
     mockResponse.body = { per_transaction: 100 }
-    await resources.getReceiverLimits('re_xyz', { json: true })
-    expect(lastCall().url).toBe(`${BASE}/limits/receivers/re_xyz`)
+    await resources.getCustomerLimits('re_xyz', { json: true })
+    expect(lastCall().url).toBe(`${BASE}/limits/customers/re_xyz`)
   })
 
-  test('fetches receiver limit-increase requests', async () => {
+  test('fetches customer limit-increase requests', async () => {
     mockResponse.body = []
-    await resources.getReceiverLimitsIncreaseRequests('re_xyz', { json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/limit-increase`)
+    await resources.getCustomerLimitIncreaseRequests('re_xyz', { json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/limit-increase`)
   })
 
   test('creates a limit-increase request with monetary fields parsed as integers', async () => {
     mockResponse.body = { id: 'rl_new' }
-    await resources.createReceiverLimitIncrease('re_xyz', {
+    await resources.createCustomerLimitIncrease('re_xyz', {
       perTransaction: '100000',
       daily: '200000',
       monthly: '1000000',
@@ -186,7 +186,7 @@ describe('Receivers', () => {
       json: true,
     })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/limit-increase`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/limit-increase`)
     expect(lastCall().body).toEqual({
       per_transaction: 100000,
       daily: 200000,
@@ -201,22 +201,22 @@ describe('Bank Accounts', () => {
   beforeEach(setupTestEnv)
   afterEach(teardownTestEnv)
 
-  test('lists bank accounts for a receiver', async () => {
+  test('lists bank accounts for a customer', async () => {
     mockResponse.body = []
-    await resources.listBankAccounts({ receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/bank-accounts`)
+    await resources.listBankAccounts({ customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts`)
   })
 
   test('fetches a bank account by id', async () => {
     mockResponse.body = { id: 'ba_1' }
-    await resources.getBankAccount('ba_1', { receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/bank-accounts/ba_1`)
+    await resources.getBankAccount('ba_1', { customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts/ba_1`)
   })
 
   test('creates a bank account, snake_casing keys and defaulting unset fields to null', async () => {
     mockResponse.body = { id: 'ba_new', type: 'ach' }
     await resources.createBankAccount({
-      receiverId: 're_xyz',
+      customerId: 're_xyz',
       type: 'ach',
       beneficiaryName: 'Jane',
       routingNumber: '021000021',
@@ -224,7 +224,7 @@ describe('Bank Accounts', () => {
       json: true,
     })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/bank-accounts`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts`)
     expect(lastCall().body).toEqual({
       type: 'ach',
       name: 'CLI Bank Account',
@@ -236,15 +236,56 @@ describe('Bank Accounts', () => {
       account_type: null,
       account_class: null,
       country: null,
-      swift_ifsc_branch_code: null,
+    })
+  })
+
+  test('creates a sepa bank account with the full sepa_beneficiary_* field set', async () => {
+    mockResponse.body = { id: 'ba_sepa', type: 'sepa' }
+    await resources.createBankAccount({
+      customerId: 're_xyz',
+      type: 'sepa',
+      accountClass: 'individual',
+      sepaIban: 'DE89370400440532013000',
+      sepaBeneficiaryBic: 'COBADEFFXXX',
+      sepaBeneficiaryLegalName: 'Jane Doe',
+      sepaBeneficiaryAddressLine1: 'Hauptstrasse 1',
+      sepaBeneficiaryAddressLine2: 'Apt 2',
+      sepaBeneficiaryCity: 'Berlin',
+      sepaBeneficiaryStateProvinceRegion: 'BE',
+      sepaBeneficiaryPostalCode: '10115',
+      sepaBeneficiaryCountry: 'DE',
+      json: true,
+    })
+    expect(lastCall().method).toBe('POST')
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts`)
+    expect(lastCall().body).toEqual({
+      type: 'sepa',
+      name: 'CLI Bank Account',
+      recipient_relationship: null,
+      pix_key: null,
+      beneficiary_name: null,
+      routing_number: null,
+      account_number: null,
+      account_type: null,
+      account_class: 'individual',
+      country: null,
+      sepa_iban: 'DE89370400440532013000',
+      sepa_beneficiary_bic: 'COBADEFFXXX',
+      sepa_beneficiary_legal_name: 'Jane Doe',
+      sepa_beneficiary_address_line_1: 'Hauptstrasse 1',
+      sepa_beneficiary_address_line_2: 'Apt 2',
+      sepa_beneficiary_city: 'Berlin',
+      sepa_beneficiary_state_province_region: 'BE',
+      sepa_beneficiary_postal_code: '10115',
+      sepa_beneficiary_country: 'DE',
     })
   })
 
   test('deletes a bank account', async () => {
     mockResponse.body = { success: true }
-    await resources.deleteBankAccount('ba_1', { receiverId: 're_xyz', json: true })
+    await resources.deleteBankAccount('ba_1', { customerId: 're_xyz', json: true })
     expect(lastCall().method).toBe('DELETE')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/bank-accounts/ba_1`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts/ba_1`)
   })
 })
 
@@ -252,28 +293,28 @@ describe('Blockchain Wallets', () => {
   beforeEach(setupTestEnv)
   afterEach(teardownTestEnv)
 
-  test('lists blockchain wallets for a receiver', async () => {
+  test('lists blockchain wallets for a customer', async () => {
     mockResponse.body = []
-    await resources.listBlockchainWallets({ receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/blockchain-wallets`)
+    await resources.listBlockchainWallets({ customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/blockchain-wallets`)
   })
 
   test('fetches a blockchain wallet by id', async () => {
     mockResponse.body = { id: 'bw_1' }
-    await resources.getBlockchainWallet('bw_1', { receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/blockchain-wallets/bw_1`)
+    await resources.getBlockchainWallet('bw_1', { customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/blockchain-wallets/bw_1`)
   })
 
-  test('creates a blockchain wallet for a receiver', async () => {
+  test('creates a blockchain wallet for a customer', async () => {
     mockResponse.body = { id: 'bw_new', network: 'base' }
     await resources.createBlockchainWallet({
-      receiverId: 're_xyz',
+      customerId: 're_xyz',
       address: '0xabc',
       network: 'base',
       json: true,
     })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/blockchain-wallets`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/blockchain-wallets`)
     expect(lastCall().body).toEqual({
       address: '0xabc',
       network: 'base',
@@ -284,9 +325,9 @@ describe('Blockchain Wallets', () => {
 
   test('deletes a blockchain wallet', async () => {
     mockResponse.body = { success: true }
-    await resources.deleteBlockchainWallet('bw_1', { receiverId: 're_xyz', json: true })
+    await resources.deleteBlockchainWallet('bw_1', { customerId: 're_xyz', json: true })
     expect(lastCall().method).toBe('DELETE')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/blockchain-wallets/bw_1`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/blockchain-wallets/bw_1`)
   })
 })
 
@@ -515,17 +556,17 @@ describe('Virtual Accounts', () => {
   beforeEach(setupTestEnv)
   afterEach(teardownTestEnv)
 
-  test('lists virtual accounts for a receiver', async () => {
+  test('lists virtual accounts for a customer', async () => {
     mockResponse.body = []
-    await resources.listVirtualAccounts({ receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/virtual-accounts`)
+    await resources.listVirtualAccounts({ customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/virtual-accounts`)
   })
 
-  test('creates a virtual account for a receiver', async () => {
+  test('creates a virtual account for a customer', async () => {
     mockResponse.body = { id: 'va_new' }
-    await resources.createVirtualAccount({ receiverId: 're_xyz', blockchainWalletId: 'bw_1', json: true })
+    await resources.createVirtualAccount({ customerId: 're_xyz', blockchainWalletId: 'bw_1', json: true })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/virtual-accounts`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/virtual-accounts`)
     expect(lastCall().body).toEqual({ blockchain_wallet_id: 'bw_1' })
   })
 })
@@ -536,8 +577,8 @@ describe('Offramp Wallets', () => {
 
   test('lists offramp wallets for a bank account', async () => {
     mockResponse.body = []
-    await resources.listOfframpWallets({ receiverId: 're_xyz', bankAccountId: 'ba_1', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/bank-accounts/ba_1/offramp-wallets`)
+    await resources.listOfframpWallets({ customerId: 're_xyz', bankAccountId: 'ba_1', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/bank-accounts/ba_1/offramp-wallets`)
   })
 })
 
@@ -587,49 +628,49 @@ describe('Wallets (custodial)', () => {
   beforeEach(setupTestEnv)
   afterEach(teardownTestEnv)
 
-  test('lists custodial wallets for a receiver', async () => {
+  test('lists custodial wallets for a customer', async () => {
     mockResponse.body = []
-    await resources.listWallets({ receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/wallets`)
+    await resources.listWallets({ customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/wallets`)
   })
 
   test('fetches a custodial wallet by id', async () => {
     mockResponse.body = { id: 'bl_1' }
-    await resources.getWallet('bl_1', { receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/wallets/bl_1`)
+    await resources.getWallet('bl_1', { customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/wallets/bl_1`)
   })
 
   test('fetches a custodial wallet balance', async () => {
     mockResponse.body = { USDC: { amount: 0 } }
-    await resources.getWalletBalance('bl_1', { receiverId: 're_xyz', json: true })
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/wallets/bl_1/balance`)
+    await resources.getWalletBalance('bl_1', { customerId: 're_xyz', json: true })
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/wallets/bl_1/balance`)
   })
 
   test('creates a custodial wallet with --external-id', async () => {
     mockResponse.body = { id: 'bl_new', network: 'polygon' }
     await resources.createWallet({
-      receiverId: 're_xyz',
+      customerId: 're_xyz',
       network: 'polygon',
       name: 'Main',
       externalId: 'ext-1',
       json: true,
     })
     expect(lastCall().method).toBe('POST')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/wallets`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/wallets`)
     expect(lastCall().body).toEqual({ network: 'polygon', name: 'Main', external_id: 'ext-1' })
   })
 
   test('omits external_id from the body when --external-id is not passed', async () => {
     mockResponse.body = { id: 'bl_new', network: 'polygon' }
-    await resources.createWallet({ receiverId: 're_xyz', network: 'polygon', name: 'Main', json: true })
+    await resources.createWallet({ customerId: 're_xyz', network: 'polygon', name: 'Main', json: true })
     expect(lastCall().body).toEqual({ network: 'polygon', name: 'Main' })
   })
 
   test('deletes a custodial wallet', async () => {
     mockResponse.body = { success: true }
-    await resources.deleteWallet('bl_1', { receiverId: 're_xyz', json: true })
+    await resources.deleteWallet('bl_1', { customerId: 're_xyz', json: true })
     expect(lastCall().method).toBe('DELETE')
-    expect(lastCall().url).toBe(`${BASE}/receivers/re_xyz/wallets/bl_1`)
+    expect(lastCall().url).toBe(`${BASE}/customers/re_xyz/wallets/bl_1`)
   })
 })
 
@@ -732,7 +773,7 @@ describe('Terms of Service', () => {
     mockResponse.body = { url: 'https://app.blindpay.com/e/terms-of-service?...' }
     await resources.initiateTos({
       idempotencyKey: 'idem-1',
-      receiverId: 're_xyz',
+      customerId: 're_xyz',
       redirectUrl: 'https://example.com',
       json: true,
     })
@@ -785,13 +826,13 @@ describe('Error handling', () => {
   afterEach(teardownTestEnv)
 
   test('exits with code 2 and emits a JSON error payload on a non-2xx response', async () => {
-    mockResponse = { status: 404, body: { message: 'receiver not found', errors: [] } }
-    await expect(resources.getReceiver('re_xyz', { json: true })).rejects.toThrow('__test_exit__2')
+    mockResponse = { status: 404, body: { message: 'customer not found', errors: [] } }
+    await expect(resources.getCustomer('re_xyz', { json: true })).rejects.toThrow('__test_exit__2')
     expect(lastJsonLog()).toMatchObject({
       error: true,
       exitCode: 2,
       statusCode: 404,
-      message: 'receiver not found',
+      message: 'customer not found',
     })
   })
 
@@ -803,7 +844,7 @@ describe('Error handling', () => {
         errors: [{ path: ['email'], message: 'required' }],
       },
     }
-    await expect(resources.createReceiver({ email: 'x', json: true })).rejects.toThrow('__test_exit__2')
+    await expect(resources.createCustomer({ email: 'x', json: true })).rejects.toThrow('__test_exit__2')
     expect(lastJsonLog()).toMatchObject({
       error: true,
       exitCode: 2,
diff --git a/src/commands/resources.ts b/src/commands/resources.ts
index 148b934..4572f20 100644
--- a/src/commands/resources.ts
+++ b/src/commands/resources.ts
@@ -67,11 +67,11 @@ function extractList(res: any): any[] {
   return []
 }
 
-// Receivers
-export async function listReceivers(options: { json: boolean }) {
+// Customers
+export async function listCustomers(options: { json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers`)
     const list = extractList(res)
     const display = list.map((r: any) => ({
       id: r.id,
@@ -88,18 +88,18 @@ export async function listReceivers(options: { json: boolean }) {
   }
 }
 
-export async function getReceiver(id: string, options: { json: boolean }) {
+export async function getCustomer(id: string, options: { json: boolean }) {
   try {
     const ctx = resolveContext()
-    const receiver = await apiGet(ctx, `${instancePath(ctx)}/receivers/${id}`)
-    printResult(receiver, options.json)
+    const customer = await apiGet(ctx, `${instancePath(ctx)}/customers/${id}`)
+    printResult(customer, options.json)
   }
   catch (e) {
     handleApiError(e, options.json)
   }
 }
 
-export async function createReceiver(options: {
+export async function createCustomer(options: {
   email: string
   type?: string
   name?: string
@@ -138,20 +138,20 @@ export async function createReceiver(options: {
       external_id: options.externalId ?? null,
       kyc_status: options.kycStatus ?? 'approved',
     }
-    const receiver = await apiPost<{ id: string, type: string }>(ctx, `${instancePath(ctx)}/receivers`, body)
+    const customer = await apiPost<{ id: string, type: string }>(ctx, `${instancePath(ctx)}/customers`, body)
     const displayName = body.type === 'business'
       ? (body.legal_name || '—')
       : [body.first_name, body.last_name].filter(Boolean).join(' ').trim() || '—'
-    clack.log.success(`Created receiver ${receiver.id} (${receiver.type}, ${displayName})`)
+    clack.log.success(`Created customer ${customer.id} (${customer.type}, ${displayName})`)
     if (options.json)
-      console.log(formatOutput(receiver, true))
+      console.log(formatOutput(customer, true))
   }
   catch (e) {
     handleApiError(e, options.json)
   }
 }
 
-export async function updateReceiver(
+export async function updateCustomer(
   id: string,
   options: {
     name?: string
@@ -193,23 +193,23 @@ export async function updateReceiver(
     if (Object.keys(body).length === 0) {
       exitWithError('Provide at least one field to update (e.g. --name, --kyc-status)', 1, options.json)
     }
-    const receiver = await apiPut<Record<string, any>>(ctx, `${instancePath(ctx)}/receivers/${id}`, body)
-    clack.log.success(`Updated receiver ${id}`)
+    const customer = await apiPut<Record<string, any>>(ctx, `${instancePath(ctx)}/customers/${id}`, body)
+    clack.log.success(`Updated customer ${id}`)
     if (options.json)
-      console.log(formatOutput(receiver, true))
+      console.log(formatOutput(customer, true))
     else
-      console.log(formatOutput(receiver, false))
+      console.log(formatOutput(customer, false))
   }
   catch (e) {
     handleApiError(e, options.json)
   }
 }
 
-export async function deleteReceiver(id: string, options: { json?: boolean } = {}) {
+export async function deleteCustomer(id: string, options: { json?: boolean } = {}) {
   try {
     const ctx = resolveContext()
-    await apiDelete(ctx, `${instancePath(ctx)}/receivers/${id}`)
-    clack.log.success(`Deleted receiver ${id}`)
+    await apiDelete(ctx, `${instancePath(ctx)}/customers/${id}`)
+    clack.log.success(`Deleted customer ${id}`)
   }
   catch (e) {
     handleApiError(e, options.json)
@@ -217,10 +217,10 @@ export async function deleteReceiver(id: string, options: { json?: boolean } = {
 }
 
 // Bank Accounts
-export async function listBankAccounts(options: { receiverId: string, json: boolean }) {
+export async function listBankAccounts(options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/bank-accounts`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/bank-accounts`)
     const list = extractList(res)
     const display = list.map((a: any) => ({ id: a.id, type: a.type, name: a.name, status: a.status, country: a.country }))
     printResult(options.json ? list : display, options.json, ['id', 'type', 'name', 'status', 'country'])
@@ -230,10 +230,10 @@ export async function listBankAccounts(options: { receiverId: string, json: bool
   }
 }
 
-export async function getBankAccount(id: string, options: { receiverId: string, json: boolean }) {
+export async function getBankAccount(id: string, options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const account = await apiGet(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/bank-accounts/${id}`)
+    const account = await apiGet(ctx, `${instancePath(ctx)}/customers/${options.customerId}/bank-accounts/${id}`)
     printResult(account, options.json)
   }
   catch (e) {
@@ -242,7 +242,7 @@ export async function getBankAccount(id: string, options: { receiverId: string,
 }
 
 export async function createBankAccount(options: {
-  receiverId: string
+  customerId: string
   type?: string
   name?: string
   recipientRelationship?: string
@@ -253,12 +253,20 @@ export async function createBankAccount(options: {
   accountType?: string
   accountClass?: string
   country?: string
-  swiftIfscBranchCode?: string
+  sepaIban?: string
+  sepaBeneficiaryBic?: string
+  sepaBeneficiaryLegalName?: string
+  sepaBeneficiaryAddressLine1?: string
+  sepaBeneficiaryAddressLine2?: string
+  sepaBeneficiaryCity?: string
+  sepaBeneficiaryStateProvinceRegion?: string
+  sepaBeneficiaryPostalCode?: string
+  sepaBeneficiaryCountry?: string
   json: boolean
 }) {
   try {
     const ctx = resolveContext()
-    const body = {
+    const body: Record<string, unknown> = {
       type: options.type || 'ach',
       name: options.name || 'CLI Bank Account',
       recipient_relationship: options.recipientRelationship ?? null,
@@ -269,9 +277,17 @@ export async function createBankAccount(options: {
       account_type: options.accountType ?? null,
       account_class: options.accountClass ?? null,
       country: options.country ?? null,
-      swift_ifsc_branch_code: options.swiftIfscBranchCode ?? null,
     }
-    const ba = await apiPost<{ id: string, type: string }>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/bank-accounts`, body)
+    if (options.sepaIban) body.sepa_iban = options.sepaIban
+    if (options.sepaBeneficiaryBic) body.sepa_beneficiary_bic = options.sepaBeneficiaryBic
+    if (options.sepaBeneficiaryLegalName) body.sepa_beneficiary_legal_name = options.sepaBeneficiaryLegalName
+    if (options.sepaBeneficiaryAddressLine1) body.sepa_beneficiary_address_line_1 = options.sepaBeneficiaryAddressLine1
+    if (options.sepaBeneficiaryAddressLine2) body.sepa_beneficiary_address_line_2 = options.sepaBeneficiaryAddressLine2
+    if (options.sepaBeneficiaryCity) body.sepa_beneficiary_city = options.sepaBeneficiaryCity
+    if (options.sepaBeneficiaryStateProvinceRegion) body.sepa_beneficiary_state_province_region = options.sepaBeneficiaryStateProvinceRegion
+    if (options.sepaBeneficiaryPostalCode) body.sepa_beneficiary_postal_code = options.sepaBeneficiaryPostalCode
+    if (options.sepaBeneficiaryCountry) body.sepa_beneficiary_country = options.sepaBeneficiaryCountry
+    const ba = await apiPost<{ id: string, type: string }>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/bank-accounts`, body)
     clack.log.success(`Created bank account ${ba.id} (${ba.type})`)
     if (options.json)
       console.log(formatOutput(ba, true))
@@ -281,10 +297,10 @@ export async function createBankAccount(options: {
   }
 }
 
-export async function deleteBankAccount(id: string, options: { receiverId: string, json?: boolean }) {
+export async function deleteBankAccount(id: string, options: { customerId: string, json?: boolean }) {
   try {
     const ctx = resolveContext()
-    await apiDelete(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/bank-accounts/${id}`)
+    await apiDelete(ctx, `${instancePath(ctx)}/customers/${options.customerId}/bank-accounts/${id}`)
     clack.log.success(`Deleted bank account ${id}`)
   }
   catch (e) {
@@ -293,10 +309,10 @@ export async function deleteBankAccount(id: string, options: { receiverId: strin
 }
 
 // Blockchain Wallets
-export async function listBlockchainWallets(options: { receiverId: string, json: boolean }) {
+export async function listBlockchainWallets(options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/blockchain-wallets`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/blockchain-wallets`)
     const list = extractList(res)
     const display = list.map((w: any) => ({ id: w.id, address: truncate(w.address, 20), network: w.network }))
     printResult(options.json ? list : display, options.json, ['id', 'address', 'network'])
@@ -306,10 +322,10 @@ export async function listBlockchainWallets(options: { receiverId: string, json:
   }
 }
 
-export async function getBlockchainWallet(id: string, options: { receiverId: string, json: boolean }) {
+export async function getBlockchainWallet(id: string, options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const wallet = await apiGet(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/blockchain-wallets/${id}`)
+    const wallet = await apiGet(ctx, `${instancePath(ctx)}/customers/${options.customerId}/blockchain-wallets/${id}`)
     printResult(wallet, options.json)
   }
   catch (e) {
@@ -318,7 +334,7 @@ export async function getBlockchainWallet(id: string, options: { receiverId: str
 }
 
 export async function createBlockchainWallet(options: {
-  receiverId: string
+  customerId: string
   address: string
   network?: string
   name?: string
@@ -333,7 +349,7 @@ export async function createBlockchainWallet(options: {
       name: options.name || 'CLI Blockchain Wallet',
       external_id: options.externalId ?? null,
     }
-    const wallet = await apiPost<{ id: string, network: string }>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/blockchain-wallets`, body)
+    const wallet = await apiPost<{ id: string, network: string }>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/blockchain-wallets`, body)
     clack.log.success(`Created blockchain wallet ${wallet.id} (${wallet.network})`)
     if (options.json)
       console.log(formatOutput(wallet, true))
@@ -343,10 +359,10 @@ export async function createBlockchainWallet(options: {
   }
 }
 
-export async function deleteBlockchainWallet(id: string, options: { receiverId: string, json?: boolean }) {
+export async function deleteBlockchainWallet(id: string, options: { customerId: string, json?: boolean }) {
   try {
     const ctx = resolveContext()
-    await apiDelete(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/blockchain-wallets/${id}`)
+    await apiDelete(ctx, `${instancePath(ctx)}/customers/${options.customerId}/blockchain-wallets/${id}`)
     clack.log.success(`Deleted blockchain wallet ${id}`)
   }
   catch (e) {
@@ -661,10 +677,10 @@ export async function deleteApiKey(id: string, options: { json?: boolean } = {})
 }
 
 // Virtual Accounts
-export async function listVirtualAccounts(options: { receiverId: string, json: boolean }) {
+export async function listVirtualAccounts(options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/virtual-accounts`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/virtual-accounts`)
     const list = extractList(res)
     const display = list.map((a: any) => ({ id: a.id, account_number: a.account_number, routing_number: a.routing_number, kyc_status: a.kyc_status }))
     printResult(options.json ? list : display, options.json, ['id', 'account_number', 'routing_number', 'kyc_status'])
@@ -674,10 +690,10 @@ export async function listVirtualAccounts(options: { receiverId: string, json: b
   }
 }
 
-export async function createVirtualAccount(options: { receiverId: string, blockchainWalletId: string, json: boolean }) {
+export async function createVirtualAccount(options: { customerId: string, blockchainWalletId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const account = await apiPost<{ id: string }>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/virtual-accounts`, { blockchain_wallet_id: options.blockchainWalletId })
+    const account = await apiPost<{ id: string }>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/virtual-accounts`, { blockchain_wallet_id: options.blockchainWalletId })
     clack.log.success(`Created virtual account ${account.id}`)
     if (options.json)
       console.log(formatOutput(account, true))
@@ -688,10 +704,10 @@ export async function createVirtualAccount(options: { receiverId: string, blockc
 }
 
 // Offramp Wallets
-export async function listOfframpWallets(options: { receiverId: string, bankAccountId: string, json: boolean }) {
+export async function listOfframpWallets(options: { customerId: string, bankAccountId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/bank-accounts/${options.bankAccountId}/offramp-wallets`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/bank-accounts/${options.bankAccountId}/offramp-wallets`)
     const list = extractList(res)
     const display = list.map((w: any) => ({ id: w.id, address: truncate(w.address, 20), network: w.network }))
     printResult(options.json ? list : display, options.json, ['id', 'address', 'network'])
@@ -748,11 +764,11 @@ export async function updateInstance(options: {
   }
 }
 
-// Receiver Limits
-export async function getReceiverLimits(receiverId: string, options: { json: boolean }) {
+// Customer Limits
+export async function getCustomerLimits(customerId: string, options: { json: boolean }) {
   try {
     const ctx = resolveContext()
-    const limits = await apiGet(ctx, `${instancePath(ctx)}/limits/receivers/${receiverId}`)
+    const limits = await apiGet(ctx, `${instancePath(ctx)}/limits/customers/${customerId}`)
     printResult(limits, options.json)
   }
   catch (e) {
@@ -760,20 +776,20 @@ export async function getReceiverLimits(receiverId: string, options: { json: boo
   }
 }
 
-export async function getReceiverLimitsIncreaseRequests(receiverId: string, options: { json: boolean }) {
+export async function getCustomerLimitIncreaseRequests(customerId: string, options: { json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${receiverId}/limit-increase`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${customerId}/limit-increase`)
     const list = extractList(res)
-    printResult(list, options.json, ['id', 'status', 'per_transaction', 'daily', 'monthly', 'created_at'])
+    printResult(list, options.json)
   }
   catch (e) {
     handleApiError(e, options.json)
   }
 }
 
-export async function createReceiverLimitIncrease(
-  receiverId: string,
+export async function createCustomerLimitIncrease(
+  customerId: string,
   options: {
     perTransaction: string
     daily: string
@@ -792,7 +808,7 @@ export async function createReceiverLimitIncrease(
       supporting_document_type: options.supportingDocumentType,
       supporting_document_file: options.supportingDocumentFile,
     }
-    const res = await apiPost<{ id: string }>(ctx, `${instancePath(ctx)}/receivers/${receiverId}/limit-increase`, body)
+    const res = await apiPost<{ id: string }>(ctx, `${instancePath(ctx)}/customers/${customerId}/limit-increase`, body)
     clack.log.success(`Created limit increase request ${res.id}`)
     printResult(res, options.json)
   }
@@ -842,10 +858,10 @@ export async function getAvailableBankDetails(options: { rail: string, json: boo
 }
 
 // Wallets (custodial, distinct from blockchain_wallets)
-export async function listWallets(options: { receiverId: string, json: boolean }) {
+export async function listWallets(options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/wallets`)
+    const res = await apiGet<unknown>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/wallets`)
     const list = extractList(res)
     printResult(list, options.json, ['id', 'name', 'network', 'address'])
   }
@@ -854,10 +870,10 @@ export async function listWallets(options: { receiverId: string, json: boolean }
   }
 }
 
-export async function getWallet(id: string, options: { receiverId: string, json: boolean }) {
+export async function getWallet(id: string, options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const wallet = await apiGet(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/wallets/${id}`)
+    const wallet = await apiGet(ctx, `${instancePath(ctx)}/customers/${options.customerId}/wallets/${id}`)
     printResult(wallet, options.json)
   }
   catch (e) {
@@ -865,10 +881,10 @@ export async function getWallet(id: string, options: { receiverId: string, json:
   }
 }
 
-export async function getWalletBalance(id: string, options: { receiverId: string, json: boolean }) {
+export async function getWalletBalance(id: string, options: { customerId: string, json: boolean }) {
   try {
     const ctx = resolveContext()
-    const balance = await apiGet(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/wallets/${id}/balance`)
+    const balance = await apiGet(ctx, `${instancePath(ctx)}/customers/${options.customerId}/wallets/${id}/balance`)
     printResult(balance, options.json)
   }
   catch (e) {
@@ -877,7 +893,7 @@ export async function getWalletBalance(id: string, options: { receiverId: string
 }
 
 export async function createWallet(options: {
-  receiverId: string
+  customerId: string
   network: string
   name: string
   externalId?: string
@@ -890,7 +906,7 @@ export async function createWallet(options: {
       name: options.name,
     }
     if (options.externalId !== undefined) body.external_id = options.externalId
-    const wallet = await apiPost<{ id: string, network: string }>(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/wallets`, body)
+    const wallet = await apiPost<{ id: string, network: string }>(ctx, `${instancePath(ctx)}/customers/${options.customerId}/wallets`, body)
     clack.log.success(`Created wallet ${wallet.id} (${wallet.network})`)
     printResult(wallet, options.json)
   }
@@ -899,10 +915,10 @@ export async function createWallet(options: {
   }
 }
 
-export async function deleteWallet(id: string, options: { receiverId: string, json?: boolean }) {
+export async function deleteWallet(id: string, options: { customerId: string, json?: boolean }) {
   try {
     const ctx = resolveContext()
-    await apiDelete(ctx, `${instancePath(ctx)}/receivers/${options.receiverId}/wallets/${id}`)
+    await apiDelete(ctx, `${instancePath(ctx)}/customers/${options.customerId}/wallets/${id}`)
     clack.log.success(`Deleted wallet ${id}`)
   }
   catch (e) {
@@ -1006,11 +1022,13 @@ export async function getInstanceFees(options: { json: boolean }) {
 }
 
 // Terms of Service
-export async function initiateTos(options: { idempotencyKey: string, receiverId?: string, redirectUrl?: string, json: boolean }) {
+export async function initiateTos(options: { idempotencyKey: string, customerId?: string, redirectUrl?: string, json: boolean }) {
   try {
     const ctx = resolveContext()
     const body: Record<string, any> = { idempotency_key: options.idempotencyKey }
-    if (options.receiverId !== undefined) body.receiver_id = options.receiverId
+    // The TOS endpoint's body still uses receiver_id on the wire (matches node + the Swift SDK);
+    // keep the clean customerId option but map it to receiver_id. Drop once the API accepts customer_id.
+    if (options.customerId !== undefined) body.receiver_id = options.customerId
     if (options.redirectUrl !== undefined) body.redirect_url = options.redirectUrl
     const res = await apiPost<{ url: string }>(ctx, `/v1/e/instances/${ctx.instanceId}/tos`, body)
     if (!options.json) clack.log.success(`Open this URL to accept the Terms of Service:\n${res.url}`)
diff --git a/src/commands/schema.ts b/src/commands/schema.ts
index 4a2781d..f2da478 100644
--- a/src/commands/schema.ts
+++ b/src/commands/schema.ts
@@ -19,12 +19,12 @@ interface ResourceSchema {
 
 const schemas: ResourceSchema[] = [
   {
-    resource: 'receivers',
+    resource: 'customers',
     commands: ['list', 'get', 'create', 'update', 'delete'],
     create: {
       fields: [
-        { name: 'email', type: 'string', required: true, description: 'Receiver email address' },
-        { name: 'type', type: 'string', required: false, description: 'Receiver type', default: 'individual', enum: ['individual', 'business'] },
+        { name: 'email', type: 'string', required: true, description: 'Customer email address' },
+        { name: 'type', type: 'string', required: false, description: 'Customer type', default: 'individual', enum: ['individual', 'business'] },
         { name: 'name', type: 'string', required: false, description: 'Full name (individual); auto-splits into first_name and last_name' },
         { name: 'first_name', type: 'string', required: false, description: 'First name (individual)' },
         { name: 'last_name', type: 'string', required: false, description: 'Last name (individual)' },
@@ -41,7 +41,7 @@ const schemas: ResourceSchema[] = [
         { name: 'first_name', type: 'string', required: false, description: 'First name (individual)' },
         { name: 'last_name', type: 'string', required: false, description: 'Last name (individual)' },
         { name: 'legal_name', type: 'string', required: false, description: 'Legal name (business)' },
-        { name: 'email', type: 'string', required: false, description: 'Receiver email address' },
+        { name: 'email', type: 'string', required: false, description: 'Customer email address' },
         { name: 'country', type: 'string', required: false, description: 'ISO 3166 country code' },
         { name: 'kyc_status', type: 'string', required: false, description: 'KYC verification status', enum: ['verifying', 'approved', 'rejected', 'deprecated'] },
       ],
@@ -52,7 +52,7 @@ const schemas: ResourceSchema[] = [
     commands: ['list', 'get', 'create', 'delete'],
     create: {
       fields: [
-        { name: 'receiver_id', type: 'string', required: true, description: 'Receiver ID that owns this bank account' },
+        { name: 'customer_id', type: 'string', required: true, description: 'Customer ID that owns this bank account' },
         { name: 'type', type: 'string', required: false, description: 'Bank account type / payment rail', default: 'ach', enum: Object.keys(bankDetailFields) },
         { name: 'name', type: 'string', required: false, description: 'Account display name', default: 'CLI Bank Account' },
         { name: 'beneficiary_name', type: 'string', required: false, description: 'Beneficiary name on the account' },
@@ -71,7 +71,7 @@ const schemas: ResourceSchema[] = [
     commands: ['list', 'get', 'create', 'delete'],
     create: {
       fields: [
-        { name: 'receiver_id', type: 'string', required: true, description: 'Receiver ID that owns this wallet' },
+        { name: 'customer_id', type: 'string', required: true, description: 'Customer ID that owns this wallet' },
         { name: 'address', type: 'string', required: true, description: 'Blockchain wallet address' },
         { name: 'network', type: 'string', required: false, description: 'Blockchain network', default: 'base', enum: ['base', 'ethereum', 'polygon', 'solana', 'stellar', 'arbitrum', 'optimism'] },
         { name: 'external_id', type: 'string', required: false, description: 'External reference ID' },
@@ -162,7 +162,7 @@ const schemas: ResourceSchema[] = [
     commands: ['list', 'create'],
     create: {
       fields: [
-        { name: 'receiver_id', type: 'string', required: true, description: 'Receiver ID' },
+        { name: 'customer_id', type: 'string', required: true, description: 'Customer ID' },
         { name: 'blockchain_wallet_id', type: 'string', required: true, description: 'Blockchain wallet ID' },
       ],
     },
diff --git a/src/index.ts b/src/index.ts
index 735694d..f78a8fc 100644
--- a/src/index.ts
+++ b/src/index.ts
@@ -3,13 +3,14 @@ import { Command } from 'commander'
 import * as clack from '@clack/prompts'
 import { listSchemas, getSchema } from './commands/schema'
 import {
-  listReceivers,
-  getReceiver,
-  createReceiver,
-  updateReceiver,
-  deleteReceiver,
-  getReceiverLimits,
-  getReceiverLimitsIncreaseRequests,
+  listCustomers,
+  getCustomer,
+  createCustomer,
+  updateCustomer,
+  deleteCustomer,
+  getCustomerLimits,
+  getCustomerLimitIncreaseRequests,
+  createCustomerLimitIncrease,
   listBankAccounts,
   getBankAccount,
   createBankAccount,
@@ -44,7 +45,6 @@ import {
   updateInstance,
   listAvailableRails,
   getAvailableBankDetails,
-  createReceiverLimitIncrease,
   listWallets,
   getWallet,
   getWalletBalance,
@@ -66,12 +66,12 @@ const program = new Command()
 
 program
   .name('blindpay')
-  .description('Blindpay CLI — manage receivers, bank accounts, payouts, payins, and more from the terminal.')
+  .description('Blindpay CLI — manage customers, bank accounts, payouts, payins, and more from the terminal.')
   .version(CLI_VERSION)
   .addHelpText('after', `
 Examples:
   $ blindpay config set --api-key <key> --instance-id <id>
-  $ blindpay receivers list --json
+  $ blindpay customers list --json
   $ blindpay payouts list --status processing
   $ blindpay available rails
 
@@ -135,34 +135,34 @@ configCmd
   .description('Print config file path')
   .action(() => console.log(getConfigPath()))
 
-// ── Receivers ───────────────────────────────────────────────────────────
-const receivers = program.command('receivers').description('Manage receivers')
+// ── Customers ───────────────────────────────────────────────────────────
+const customers = program.command('customers').description('Manage customers')
   .addHelpText('after', `
 Examples:
-  $ blindpay receivers list
-  $ blindpay receivers list --json
-  $ blindpay receivers get <id>
-  $ blindpay receivers create --email user@example.com --name "John Doe" --country US
-  $ blindpay receivers create --type business --email biz@co.com --legal-name "Acme Inc"
-  $ blindpay receivers update <id> --kyc-status approved
-  $ blindpay receivers delete <id>`)
-
-receivers
+  $ blindpay customers list
+  $ blindpay customers list --json
+  $ blindpay customers get <id>
+  $ blindpay customers create --email user@example.com --name "John Doe" --country US
+  $ blindpay customers create --type business --email biz@co.com --legal-name "Acme Inc"
+  $ blindpay customers update <id> --kyc-status approved
+  $ blindpay customers delete <id>`)
+
+customers
   .command('list')
-  .description('List all receivers')
+  .description('List all customers')
   .option('--json', 'Output as JSON', false)
-  .action(opts => listReceivers(opts))
+  .action(opts => listCustomers(opts))
 
-receivers
+customers
   .command('get <id>')
-  .description('Get a receiver by ID')
+  .description('Get a customer by ID')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => getReceiver(id, opts))
+  .action((id, opts) => getCustomer(id, opts))
 
-receivers
+customers
   .command('create')
-  .description('Create a new receiver')
-  .requiredOption('--email <email>', 'Receiver email')
+  .description('Create a new customer')
+  .requiredOption('--email <email>', 'Customer email')
   .option('--type <type>', 'individual or business', 'individual')
   .option('--name <name>', 'Full name (individual); splits into first_name and last_name')
   .option('--first-name <name>', 'First name (individual)')
@@ -173,79 +173,79 @@ receivers
   .option('--external-id <id>', 'External ID')
   .option('--kyc-status <status>', 'KYC status (verifying, approved, rejected, deprecated)', 'approved')
   .option('--json', 'Output as JSON', false)
-  .action(opts => createReceiver(opts))
+  .action(opts => createCustomer(opts))
 
-receivers
+customers
   .command('update <id>')
-  .description('Update a receiver')
+  .description('Update a customer')
   .option('--name <name>', 'Full name (individual); splits into first_name and last_name')
   .option('--first-name <name>', 'First name (individual)')
   .option('--last-name <name>', 'Last name (individual)')
   .option('--legal-name <name>', 'Legal name (business)')
-  .option('--email <email>', 'Receiver email')
+  .option('--email <email>', 'Customer email')
   .option('--country <country>', 'ISO 3166 country code')
   .option('--kyc-status <status>', 'KYC status (verifying, approved, rejected, deprecated)')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => updateReceiver(id, opts))
+  .action((id, opts) => updateCustomer(id, opts))
 
-receivers
+customers
   .command('delete <id>')
-  .description('Delete a receiver')
+  .description('Delete a customer')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => deleteReceiver(id, opts))
+  .action((id, opts) => deleteCustomer(id, opts))
 
-receivers
+customers
   .command('limits <id>')
-  .description('Get receiver limits')
+  .description('Get customer limits')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => getReceiverLimits(id, opts))
+  .action((id, opts) => getCustomerLimits(id, opts))
 
-receivers
+customers
   .command('limits_increase_requests <id>')
-  .description('Get receiver limit-increase requests')
+  .description('Get customer limit-increase requests')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => getReceiverLimitsIncreaseRequests(id, opts))
+  .action((id, opts) => getCustomerLimitIncreaseRequests(id, opts))
 
-receivers
+customers
   .command('create_limit_increase <id>')
-  .description('Request a limit increase for a receiver')
+  .description('Request a limit increase for a customer')
   .requiredOption('--per-transaction <amount>', 'Per-transaction limit in cents')
   .requiredOption('--daily <amount>', 'Daily limit in cents')
   .requiredOption('--monthly <amount>', 'Monthly limit in cents')
-  .requiredOption('--supporting-document-type <type>', 'Supporting document type (individual_bank_statement, individual_tax_return, individual_proof_of_income, business_bank_statement, business_financial_statements, business_tax_return)')
+  .requiredOption('--supporting-document-type <type>', 'Supporting document type')
   .requiredOption('--supporting-document-file <url>', 'Supporting document URL (upload via `blindpay upload` first)')
   .option('--json', 'Output as JSON', false)
-  .action((id, opts) => createReceiverLimitIncrease(id, opts))
+  .action((id, opts) => createCustomerLimitIncrease(id, opts))
 
 // ── Bank Accounts ───────────────────────────────────────────────────────
 const bankAccounts = program.command('bank_accounts').description('Manage bank accounts')
   .addHelpText('after', `
 Examples:
-  $ blindpay bank_accounts list --receiver-id <id>
-  $ blindpay bank_accounts get <id> --receiver-id <receiver-id>
-  $ blindpay bank_accounts create --receiver-id <id> --type ach --routing-number 021000021 --account-number 123456789
-  $ blindpay bank_accounts create --receiver-id <id> --type pix --pix-key user@email.com
-  $ blindpay bank_accounts delete <id> --receiver-id <receiver-id>`)
+  $ blindpay bank_accounts list --customer-id <id>
+  $ blindpay bank_accounts get <id> --customer-id <customer-id>
+  $ blindpay bank_accounts create --customer-id <id> --type ach --routing-number 021000021 --account-number 123456789
+  $ blindpay bank_accounts create --customer-id <id> --type pix --pix-key user@email.com
+  $ blindpay bank_accounts delete <id> --customer-id <customer-id>`)
 
 bankAccounts
   .command('list')
-  .description('List bank accounts for a receiver')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .description('List bank accounts for a customer')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => listBankAccounts(opts))
 
 bankAccounts
   .command('get <id>')
   .description('Get a bank account by ID')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => getBankAccount(id, opts))
 
 bankAccounts
   .command('create')
   .description('Create a new bank account')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
-  .option('--type <type>', 'Bank account type (ach, wire, pix, etc.)', 'ach')
+  .requiredOption('--customer-id <id>', 'Customer ID')
+  .option('--type <type>', 'Bank account type (ach, wire, pix, sepa, etc.)', 'ach')
   .option('--name <name>', 'Account name')
   .option('--beneficiary-name <name>', 'Beneficiary name')
   .option('--routing-number <number>', 'Routing number')
@@ -255,14 +255,22 @@ bankAccounts
   .option('--pix-key <key>', 'PIX key')
   .option('--recipient-relationship <rel>', 'Recipient relationship')
   .option('--country <country>', 'Country code')
-  .option('--swift-ifsc-branch-code <code>', 'SWIFT/IFSC branch code (international_swift accounts)')
+  .option('--sepa-iban <iban>', 'IBAN (sepa accounts)')
+  .option('--sepa-beneficiary-bic <bic>', 'Beneficiary BIC/SWIFT code (sepa accounts)')
+  .option('--sepa-beneficiary-legal-name <name>', 'Beneficiary legal name (sepa accounts)')
+  .option('--sepa-beneficiary-address-line-1 <line>', 'Beneficiary address line 1 (sepa accounts)')
+  .option('--sepa-beneficiary-address-line-2 <line>', 'Beneficiary address line 2 (sepa accounts)')
+  .option('--sepa-beneficiary-city <city>', 'Beneficiary city (sepa accounts)')
+  .option('--sepa-beneficiary-state-province-region <region>', 'Beneficiary state/province/region (sepa accounts)')
+  .option('--sepa-beneficiary-postal-code <code>', 'Beneficiary postal code (sepa accounts)')
+  .option('--sepa-beneficiary-country <country>', 'Beneficiary country code (sepa accounts)')
   .option('--json', 'Output as JSON', false)
   .action(opts => createBankAccount(opts))
 
 bankAccounts
   .command('delete <id>')
   .description('Delete a bank account')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => deleteBankAccount(id, opts))
 
@@ -270,29 +278,29 @@ bankAccounts
 const blockchainWallets = program.command('blockchain_wallets').description('Manage blockchain wallets')
   .addHelpText('after', `
 Examples:
-  $ blindpay blockchain_wallets list --receiver-id <id>
-  $ blindpay blockchain_wallets get <id> --receiver-id <receiver-id>
-  $ blindpay blockchain_wallets create --receiver-id <id> --address 0x... --network base
-  $ blindpay blockchain_wallets delete <id> --receiver-id <receiver-id>`)
+  $ blindpay blockchain_wallets list --customer-id <id>
+  $ blindpay blockchain_wallets get <id> --customer-id <customer-id>
+  $ blindpay blockchain_wallets create --customer-id <id> --address 0x... --network base
+  $ blindpay blockchain_wallets delete <id> --customer-id <customer-id>`)
 
 blockchainWallets
   .command('list')
-  .description('List blockchain wallets for a receiver')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .description('List blockchain wallets for a customer')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => listBlockchainWallets(opts))
 
 blockchainWallets
   .command('get <id>')
   .description('Get a blockchain wallet by ID')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => getBlockchainWallet(id, opts))
 
 blockchainWallets
   .command('create')
   .description('Create a new blockchain wallet')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .requiredOption('--address <address>', 'Wallet address')
   .option('--network <network>', 'Blockchain network', 'base')
   .option('--name <name>', 'Wallet name')
@@ -303,7 +311,7 @@ blockchainWallets
 blockchainWallets
   .command('delete <id>')
   .description('Delete a blockchain wallet')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => deleteBlockchainWallet(id, opts))
 
@@ -508,20 +516,20 @@ apiKeys
 const virtualAccounts = program.command('virtual_accounts').description('Manage virtual accounts')
   .addHelpText('after', `
 Examples:
-  $ blindpay virtual_accounts list --receiver-id <id>
-  $ blindpay virtual_accounts create --receiver-id <id> --blockchain-wallet-id <wallet-id>`)
+  $ blindpay virtual_accounts list --customer-id <id>
+  $ blindpay virtual_accounts create --customer-id <id> --blockchain-wallet-id <wallet-id>`)
 
 virtualAccounts
   .command('list')
-  .description('List virtual accounts for a receiver')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .description('List virtual accounts for a customer')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => listVirtualAccounts(opts))
 
 virtualAccounts
   .command('create')
   .description('Create a virtual account')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .requiredOption('--blockchain-wallet-id <id>', 'Blockchain wallet ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => createVirtualAccount(opts))
@@ -530,12 +538,12 @@ virtualAccounts
 const offrampWallets = program.command('offramp_wallets').description('Manage offramp wallets')
   .addHelpText('after', `
 Examples:
-  $ blindpay offramp_wallets list --receiver-id <id> --bank-account-id <bank-id>`)
+  $ blindpay offramp_wallets list --customer-id <id> --bank-account-id <bank-id>`)
 
 offrampWallets
   .command('list')
   .description('List offramp wallets')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .requiredOption('--bank-account-id <id>', 'Bank account ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => listOfframpWallets(opts))
@@ -596,37 +604,37 @@ available
 const wallets = program.command('wallets').description('Manage custodial wallets (BlindPay-managed, with balance)')
   .addHelpText('after', `
 Examples:
-  $ blindpay wallets list --receiver-id <id>
-  $ blindpay wallets get <id> --receiver-id <receiver-id>
-  $ blindpay wallets balance <id> --receiver-id <receiver-id>
-  $ blindpay wallets create --receiver-id <id> --network polygon --name "Main Wallet"
-  $ blindpay wallets delete <id> --receiver-id <receiver-id>`)
+  $ blindpay wallets list --customer-id <id>
+  $ blindpay wallets get <id> --customer-id <customer-id>
+  $ blindpay wallets balance <id> --customer-id <customer-id>
+  $ blindpay wallets create --customer-id <id> --network polygon --name "Main Wallet"
+  $ blindpay wallets delete <id> --customer-id <customer-id>`)
 
 wallets
   .command('list')
-  .description('List custodial wallets for a receiver')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .description('List custodial wallets for a customer')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action(opts => listWallets(opts))
 
 wallets
   .command('get <id>')
   .description('Get a custodial wallet by ID')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => getWallet(id, opts))
 
 wallets
   .command('balance <id>')
   .description('Get a custodial wallet balance (USDC/USDT/USDB)')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => getWalletBalance(id, opts))
 
 wallets
   .command('create')
   .description('Create a new custodial wallet')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .requiredOption('--network <network>', 'Network')
   .requiredOption('--name <name>', 'Wallet name')
   .option('--external-id <id>', 'External ID')
@@ -636,7 +644,7 @@ wallets
 wallets
   .command('delete <id>')
   .description('Delete a custodial wallet')
-  .requiredOption('--receiver-id <id>', 'Receiver ID')
+  .requiredOption('--customer-id <id>', 'Customer ID')
   .option('--json', 'Output as JSON', false)
   .action((id, opts) => deleteWallet(id, opts))
 
@@ -715,13 +723,13 @@ const tos = program.command('tos').description('Initiate Terms of Service flow')
   .addHelpText('after', `
 Examples:
   $ blindpay tos initiate --idempotency-key <key>
-  $ blindpay tos initiate --idempotency-key <key> --receiver-id <id> --redirect-url https://example.com`)
+  $ blindpay tos initiate --idempotency-key <key> --customer-id <id> --redirect-url https://example.com`)
 
 tos
   .command('initiate')
   .description('Initiate a Terms of Service session and return a hosted URL')
   .requiredOption('--idempotency-key <key>', 'Idempotency key')
-  .option('--receiver-id <id>', 'Receiver ID')
+  .option('--customer-id <id>', 'Customer ID')
   .option('--redirect-url <url>', 'Redirect URL after acceptance')
   .option('--json', 'Output as JSON', false)
   .action(opts => initiateTos(opts))
@@ -747,12 +755,12 @@ const schema = program.command('schema').description('Introspect CLI resource sc
   .addHelpText('after', `
 Examples:
   $ blindpay schema                              # list all resources
-  $ blindpay schema receivers                    # full schema for receivers
+  $ blindpay schema customers                    # full schema for customers
   $ blindpay schema bank_accounts                # schema + available rails
   $ blindpay schema bank_accounts --rail ach     # schema + rail-specific fields`)
 
 schema
-  .argument('[resource]', 'Resource name (e.g. receivers, payouts, bank_accounts)')
+  .argument('[resource]', 'Resource name (e.g. customers, payouts, bank_accounts)')
   .option('--rail <rail>', 'Show rail-specific fields (bank_accounts only)')
   .action((resource, opts) => {
     if (!resource) {