Create a virtual account

POST https://api.balampay.com/sandbox/v1/virtual-accounts

Creates a new virtual account for a user.

Account Modes:

• Crypto Mode: Provide a destination to auto-convert deposits to crypto
• Fiat Mode: Omit destination to hold USD balance (only portage and slovak_savings_bank)

Supported Types:

• US_BANK: US bank account for ACH and wire transfers (USD)
• MX_SPEI: Mexican bank account via SPEI (MXN)

Authentication: Both x-api-key header and Authorization: Bearer <token> header are required.