Best endpoints for the SDK
	•	bank list / suggest banks
	•	account lookup / verification
	•	BVN and identity verification
	•	OTP flows
	•	airtime, data, cable, electricity, betting purchase flows
	•	payment order creation and status checks
	•	transfer initiation and status tracking, but through protected backend orchestration

Best package structure

I’d shape the SDK like this:
	•	auth
	•	bills
	•	identity
	•	payments
	•	transfers
	•	otp
	•	accounts
	•	transactions