curl --request POST \
  --url https://sandbox.sturdytechnologies.com/v3/accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "hold_balance": false,
  "user_id": "12345"
}
'

{
  "data": {
    "account_id": "12345hgyd78yuyu9",
    "account_status": "ACTIVE|INACTIVE|BLOCKED",
    "balance": 0,
    "numbers": {
      "ACH": {
        "account_number": "0000",
        "routing_number": "021000021"
      },
      "RTP": {
        "account_number": "0000",
        "routing_number": "021000021"
      },
      "WIRE": {
        "account_number": "0000",
        "routing_number": "021000021"
      }
    }
  },
  "message": "<string>",
  "success": true
}