diff --git a/src/middlewares/cooldown.middleware.js b/src/middlewares/cooldown.middleware.js
new file mode 100644
index 0000000..7e6fe0b
--- /dev/null
+++ b/src/middlewares/cooldown.middleware.js
@@ -0,0 +1,28 @@
+const { logger } = require('../util/logger');
+const { getSingleBeneficiary } = require('../services/beneficiary.service');
+
+async function checkBeneficiaryCooldown(req, res, next) {
+  const cooldownTime = parseInt(
+    process.env.BENEFICIARY_COOLDOWN_TIME || '60',
+    10
+  );
+  const customerNo = req.user;
+  const { toAccount } = req.body;
+  const beneficiary = await getSingleBeneficiary(customerNo, toAccount);
+
+  if (beneficiary) {
+    const now = new Date();
+    const cooldownPeriod = new Date(now.getTime() - cooldownTime * 60 * 1000);
+    const createdAt = new Date(beneficiary['created_at']);
+    if (createdAt > cooldownPeriod) {
+      const remaining = (now - createdAt) / (60 * 1000);
+      logger.warn('TRANSACTION_FAILED_BENEFICIARY_COOLDOWN_ACTIVE');
+      return res.status(403).json({
+        error: `beneficiary cooldown period active. Retry after ${remaining} minutes`,
+      });
+    }
+  }
+  next();
+}
+
+module.exports = { checkBeneficiaryCooldown };