{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "$id": "https://api.arcadia.com/schemas/User",
  "title": "User",
  "required": [
    "client_user_id",
    "created_at",
    "utility_credentials"
  ],
  "properties": {
    "client_user_id": {
      "type": "string",
      "example": "fff57dc7-3a2b-4395-8a62-e3712d46dafl"
    },
    "created_at": {
      "type": "string",
      "format": "date-time"
    },
    "utility_credentials": {
      "type": "array",
      "items": {
        "allOf": [
          {
            "$ref": "#/components/schemas/UtilityCredential"
          },
          {
            "type": "object",
            "required": [
              "utility_accounts"
            ],
            "properties": {
              "utility_accounts": {
                "type": "array",
                "items": {
                  "$ref": "#/components/schemas/UtilityAccount"
                }
              }
            }
          }
        ]
      }
    }
  }
}