Yep, use the union operator |.

I.E. you specify the whole structure twice with each variation, like:

%{
  account_number: String.t(),
  :counterparty_id => integer(),
} | %{
  account_number: String.t(),
  receiver_account_number: String.t()
}

It’s a bit of a pain and combinatorially explosive, but it works.

A potential stumbling block: even though the keys look like atoms, you can’t mix the x: and => when using optional. I assume this is because optional(:bar) resolves to a non-atom type.

You might get the somewhat cryptic error:

@type params :: %{
  foo: String.t(),
  optional(:bar) => integer() # "syntax error before: optional"
}

You must convert to:

@type params :: %{
  foo => String.t(),
  optional(:bar) => integer()
}

E: see below, or

@type params :: %{
  optional(:bar) => integer(),
  foo: String.t()
}

The syntax sugar for keyword lists as well as for atom keys in maps is only allowed trailing to elements not using the syntax sugar within the same map/list. Though I‘m not sure if the same does work in typespecs.