Enter the two deposit amounts in USD. Failed guesses consume a lifetime bank-account budget of three. When verification is unavailable, including lockout or verification performed outside this request, returns 422 with instructions to contact the business that sent the link. The same refusal conceals the reason and attempt count. The first successful confirmation returns a secret confirmationToken. Keep it in the payer's session and pass it to acceptance to prove bank control. Reads and confirmation retries do not return this secret; losing it means acceptance requires staff review.