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dest params for transfer via API V2

Hello. Documentation(API v2) says that I can create transfer with dest object that contains whole beneficiary data like accountNumber, bankCode, branCode, phone number, etc. Also, there is another way to make transfer where I need to create payment method firstly and then create transfer with dest that is equal to the created payment method id. I have tried both ways, but only the second one has worked. Is it possible to use the first?