EncryptedIbanReference
class EncryptedIbanReference(val bytes: ByteArray, val currency: String? = null) : DebtorAccountReference
Reference to a debtor account by encrypted-IBAN ciphertext, for the collect-payment service. Opaque on the client; the ciphertext is produced by the caller's backend with its API secret following the Opaque Data protocol so the frontend never sees the underlying IBAN.