{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/VirtualAccountCreate",
  "title": "VirtualAccountCreate",
  "type": "object",
  "description": "Virtual account creation request",
  "required": [
    "name",
    "physicalAccountId",
    "currency"
  ],
  "properties": {
    "name": {
      "type": "string",
      "description": "Account name or label"
    },
    "physicalAccountId": {
      "type": "string",
      "description": "ID of the underlying physical bank account"
    },
    "currency": {
      "type": "string",
      "description": "ISO 4217 currency code",
      "pattern": "^[A-Z]{3}$"
    },
    "accountHolder": {
      "type": "string",
      "description": "Name of the virtual account holder"
    },
    "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 should be auto-allocated",
      "default": true
    },
    "issueViban": {
      "type": "boolean",
      "description": "Whether to automatically issue a virtual IBAN",
      "default": false
    },
    "metadata": {
      "type": "object",
      "additionalProperties": {
        "type": "string"
      }
    }
  }
}