curl --request POST \
  --url https://api.pcxpay.com/v1/virtual-accounts/kyc \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "email": "jsmith@example.com",
  "customer_type": "individual"
}
'

{
  "status": "success",
  "message": "Operation completed successfully",
  "data": {
    "customer_id": "<string>",
    "tos_link": "<string>"
  }
}