{
  "account": {
    "id": "acc_123",
    "createdAt": "2026-06-02T12:00:00.000Z",
    "updatedAt": "2026-06-02T12:00:00.000Z",
    "status": "ACTIVE",
    "currency": "USD",
    "displayName": "USD operating account",
    "routingPolicy": {
      "type": "SWEEP",
      "creditInstrument": {
        "type": "BANK_ACCOUNT",
        "bankAccount": {
          "id": "ba_123",
          "displayName": "PHP Settlement Account",
          "currency": "PHP",
          "mask": "****4321"
        }
      }
    },
    "depositInstructions": [
      {
        "id": "depinst_123",
        "createdAt": "2026-06-02T12:00:00.000Z",
        "updatedAt": "2026-06-02T12:00:00.000Z",
        "status": "ACTIVE",
        "rail": {
          "type": "US.USD.ACH",
          "label": "ACH"
        },
        "supportedCurrencies": [
          "USD"
        ],
        "fields": [
          {
            "key": "accountHolderName",
            "label": "Account holder name",
            "value": "Account Holder",
            "copyable": false
          },
          {
            "key": "routingNumber",
            "label": "Routing number",
            "value": "026073150",
            "copyable": true
          },
          {
            "key": "accountNumber",
            "label": "Account number",
            "value": "1133557799",
            "copyable": true
          }
        ],
        "disclosures": []
      }
    ],
    "availableBalance": "100.00",
    "actualBalance": "120.00"
  },
  "metadata": {
    "userId": "user_123",
    "programId": "program_123"
  }
}