Get the bank-transfer payment instructions for the active scope

Returns WHERE to send an offline bank transfer for the active scope: the billing legal entity (subsidiary) that issues this tenant's invoices, plus that entity's PAYEE bank account in the same beneficiary vocabulary an uploaded WireReceipt already uses. The entity is resolved exactly as the invoice freeze resolves it — the tenant's billing country maps 1:1 to a subsidiary, falling back to the platform default — so a tenant in a mapped country is given that entity's account. payee is null whenever the resolved entity publishes no USABLE account (no beneficiary IBAN and no account number); the console renders its "account not published — contact Support" panel off that null instead of showing a bank name with a blank IBAN. A half-configured account is never returned as a partial object. Validation: scopeId must reference a tenant/subscription/project scope the caller can access — unknown or unauthorized scope maps to 404 NOT_FOUND. No other inputs. Async & state: Synchronous read; no state change. The account is platform configuration edited by operators, not by the tenant; no SSE frames are tied to this endpoint. Errors: 401 unauthenticated; 403 caller lacks a billing-capable role (owner|admin|contributor|reader|billing) on the scope; 404 unknown scopeId; 500 read failure. Idempotency/Concurrency: Safe, cacheable; no idempotency key required.