{
  "virtualAccountTransaction": {
    "id": "vatxn_01HT2P6W9PC2QV4W0Q63QMFJ44",
    "createdAt": "2026-03-05T14:20:00+00:00",
    "updatedAt": "2026-03-05T14:20:00+00:00",
    "transactionRef": "TXN-2026-00142",
    "externalRef": null,
    "userId": "usr_01HT2P6W9PC2QV4W0Q63QMFJ44",
    "virtualAccountId": "va_01HT2P6W9PC2QV4W0Q63QMFJ44",
    "type": "WITHDRAWAL",
    "status": "PENDING",
    "statusReason": null,
    "debitAmount": 100,
    "debitCurrency": "USD",
    "fromAmount": 100,
    "fromCurrency": "USD",
    "toAmount": 5600,
    "toCurrency": "PHP",
    "exchangeRate": 56,
    "fees": [],
    "depositType": null,
    "originatorName": null,
    "originatorAccount": null,
    "originatorInstitution": null,
    "receiverName": "Jane Doe",
    "receiverAccount": "1234567890",
    "receiverInstitution": "Example Bank"
  }
}