New product: `usa-virtual-accounts-act` (lighter US onboarding)

What's new — A second virtual-account product, usa-virtual-accounts-act, is now generally available alongside usa-virtual-accounts (Portage). ACT requires no government-ID photos at user creation; instead it requires SSN + employment fields for individuals, or EIN + associated_persons for businesses.

Impact — Eligibility is evaluated per product. A user with an ACT-shaped payload qualifies for usa-virtual-accounts-act even if they lack the photo documents required by usa-virtual-accounts. Required-field tables in the reference are now per-product.

Upgrade — see the per-product required-field tables on POST /v1/users for the full matrix (USA Individual, International Individual, USA Business, International Business across both products).

Reference — POST /v1/users, POST /v1/virtual-accounts (use provider: "act")