{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://www.montran.com/schemas/account.json",
  "title": "Montran Account",
  "description": "A financial account managed through Montran's payment infrastructure. Represents both physical bank accounts and virtual accounts, with support for ISO 20022 camt message structures for balance and statement reporting.",
  "type": "object",
  "required": [
    "accountId",
    "currency",
    "status"
  ],
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Unique account identifier"
    },
    "accountType": {
      "type": "string",
      "description": "Type of account",
      "enum": [
        "physical",
        "virtual",
        "virtual_iban"
      ]
    },
    "iban": {
      "type": "string",
      "description": "International Bank Account Number",
      "pattern": "^[A-Z]{2}[0-9]{2}[A-Z0-9]{4,30}$"
    },
    "accountNumber": {
      "type": "string",
      "description": "Proprietary account number"
    },
    "currency": {
      "type": "string",
      "description": "Account currency (ISO 4217)",
      "pattern": "^[A-Z]{3}$"
    },
    "ownerName": {
      "type": "string",
      "description": "Name of the account owner"
    },
    "accountName": {
      "type": "string",
      "description": "Account name or description"
    },
    "status": {
      "type": "string",
      "description": "Account status",
      "enum": [
        "active",
        "suspended",
        "closed",
        "blocked"
      ]
    },
    "institution": {
      "type": "object",
      "description": "Account-holding financial institution",
      "properties": {
        "bic": {
          "type": "string",
          "description": "Bank Identifier Code (SWIFT/BIC)",
          "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
        },
        "name": {
          "type": "string",
          "description": "Name of the financial institution"
        },
        "country": {
          "type": "string",
          "description": "Country code (ISO 3166-1 alpha-2)",
          "pattern": "^[A-Z]{2}$"
        }
      }
    },
    "balances": {
      "type": "array",
      "description": "Account balances aligned with ISO 20022 camt.052 BankToCustomerAccountReport",
      "items": {
        "type": "object",
        "properties": {
          "type": {
            "type": "string",
            "description": "Balance type code",
            "enum": [
              "CLBD",
              "ITBD",
              "OPBD",
              "PRCD",
              "XPCD",
              "ITAV"
            ]
          },
          "amount": {
            "type": "number",
            "description": "Balance amount"
          },
          "currency": {
            "type": "string",
            "description": "Balance currency",
            "pattern": "^[A-Z]{3}$"
          },
          "creditDebitIndicator": {
            "type": "string",
            "enum": [
              "CRDT",
              "DBIT"
            ]
          },
          "dateTime": {
            "type": "string",
            "format": "date-time",
            "description": "Balance date and time"
          }
        }
      }
    },
    "virtualAccount": {
      "type": "object",
      "description": "Virtual account specific properties (when accountType is virtual)",
      "properties": {
        "physicalAccountId": {
          "type": "string",
          "description": "ID of the underlying physical bank account"
        },
        "virtualIban": {
          "type": "string",
          "description": "Associated virtual IBAN"
        },
        "purpose": {
          "type": "string",
          "description": "Purpose of the virtual account",
          "enum": [
            "GENERAL",
            "POBO",
            "COBO",
            "ESCROW",
            "IN_HOUSE_BANK",
            "TREASURY"
          ]
        },
        "parentVirtualAccountId": {
          "type": "string",
          "description": "Parent virtual account for hierarchical structures"
        },
        "autoAllocate": {
          "type": "boolean",
          "description": "Whether incoming payments are auto-allocated"
        }
      }
    },
    "createdAt": {
      "type": "string",
      "format": "date-time",
      "description": "Account creation timestamp"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time",
      "description": "Last update timestamp"
    }
  }
}