@cfxlabsinc/b2b-services
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    RewardRecipient:
        | { entityId: string }
        | { email: string }
        | { phone: string }
        | { rewardAccountId: number }

    Who a reward is for. An entity holds its own account; an email or phone holds a pending one until an entity with that contact is approved. An account id names one directly, for a refund onto the account debited.