{
    "data": {
        "id": 2,
        "name": "Marcus Lee",
        "email": "marcus.lee@example.com",
        "phone": "555-0192",
        "address": null,
        "city": "New York",
        "state": "United State",
        "zip": "10002",
        "dob": null,
        "ssn": "41254658792215",
        "profile_image": "profile_pic\/NahTLUknTVQW7gBaR27LQX7q74YrD5EL5mVvtgqO.jpg",
        "profile_photo": null,
        "driver_license_document": null,
        "ssn_document": null,
        "email_verified_at": "2026-07-10T15:28:43.000000Z",
        "unhash_pw": null,
        "is_admin": false,
        "admin_token": null,
        "status": "active",
        "otp_code": "458897",
        "otp_expires_at": "2026-07-10T16:08:55.000000Z",
        "created_at": "2026-07-10T15:28:43.000000Z",
        "updated_at": "2026-07-12T17:22:11.000000Z",
        "accounts": [
            {
                "id": 16,
                "user_id": 2,
                "account_type": "investment",
                "account_number": "000200008000",
                "routing_number": "111000025",
                "masked_number": "\u2022\u2022\u2022\u2022 3382",
                "balance": "11500.50",
                "available_balance": "0.00",
                "interest_rate": "4.200",
                "status": "active",
                "opened_date": "2022-07-10T00:00:00.000000Z",
                "maturity_date": null,
                "overdraft_limit": null,
                "overdraft_protection": false,
                "created_at": "2026-07-10T15:28:43.000000Z",
                "updated_at": "2026-07-10T15:28:43.000000Z",
                "cards": [
                    {
                        "id": 1,
                        "user_id": 2,
                        "account_id": 16,
                        "card_number": "2629395329577254",
                        "masked_number": "\u2022\u2022\u2022\u2022 7254",
                        "card_type": "credit",
                        "cardholder": "Marcus Lee IIII",
                        "nickname": "Marcus Lee III",
                        "cvv": "384",
                        "issued_date": "2026-07-12T00:00:00.000000Z",
                        "expiry_date": "2027-07-12T00:00:00.000000Z",
                        "credit_limit": "100000000.00",
                        "available_credit": "100000000.00",
                        "status": "active",
                        "created_at": "2026-07-12T17:40:14.000000Z",
                        "updated_at": "2026-07-12T17:40:14.000000Z"
                    },
                    {
                        "id": 2,
                        "user_id": 2,
                        "account_id": 16,
                        "card_number": "7556876899922927",
                        "masked_number": "\u2022\u2022\u2022\u2022 2927",
                        "card_type": "credit",
                        "cardholder": "Marcus Lee",
                        "nickname": "Credit Card",
                        "cvv": "518",
                        "issued_date": "2026-07-12T00:00:00.000000Z",
                        "expiry_date": "2027-07-12T00:00:00.000000Z",
                        "credit_limit": "1000.00",
                        "available_credit": "1000.00",
                        "status": "active",
                        "created_at": "2026-07-12T17:54:50.000000Z",
                        "updated_at": "2026-07-12T17:54:50.000000Z"
                    }
                ]
            },
            {
                "id": 43,
                "user_id": 2,
                "account_type": "checking",
                "account_number": "000000205101",
                "routing_number": "021000021",
                "masked_number": "5101",
                "balance": "735880410.03",
                "available_balance": "735880410.03",
                "interest_rate": null,
                "status": "active",
                "opened_date": "2026-07-12T00:00:00.000000Z",
                "maturity_date": null,
                "overdraft_limit": null,
                "overdraft_protection": false,
                "created_at": "2026-07-12T15:40:51.000000Z",
                "updated_at": "2026-07-12T15:41:38.000000Z",
                "cards": []
            }
        ],
        "loan_applications": [
            {
                "id": 1,
                "user_id": 2,
                "amount": "0.00",
                "requested_amount": "0.00",
                "term_months": 24,
                "purpose": "zd",
                "destination_account_id": null,
                "status": "submitted",
                "processed_by": null,
                "processed_at": null,
                "notes": null,
                "created_at": "2026-07-14T11:20:29.000000Z",
                "updated_at": "2026-07-14T11:20:29.000000Z",
                "loan_type": "personal",
                "application_number": null
            },
            {
                "id": 2,
                "user_id": 2,
                "amount": "0.00",
                "requested_amount": "0.00",
                "term_months": 24,
                "purpose": "For food stuff",
                "destination_account_id": null,
                "status": "submitted",
                "processed_by": null,
                "processed_at": null,
                "notes": null,
                "created_at": "2026-07-14T11:21:23.000000Z",
                "updated_at": "2026-07-14T11:21:23.000000Z",
                "loan_type": "personal",
                "application_number": null
            },
            {
                "id": 3,
                "user_id": 2,
                "amount": "0.00",
                "requested_amount": "0.00",
                "term_months": 12,
                "purpose": "food",
                "destination_account_id": null,
                "status": "submitted",
                "processed_by": null,
                "processed_at": null,
                "notes": null,
                "created_at": "2026-07-14T11:22:04.000000Z",
                "updated_at": "2026-07-14T11:22:04.000000Z",
                "loan_type": "auto",
                "application_number": null
            }
        ],
        "wire_transfers": [],
        "scheduled_deposits": [
            {
                "id": 1,
                "user_id": 2,
                "account_id": 43,
                "amount": "7500000.00",
                "description": "Salary",
                "schedule_type": "auto",
                "scheduled_date": "2026-07-31T00:00:00.000000Z",
                "status": "pending",
                "created_at": "2026-07-12T15:43:01.000000Z",
                "updated_at": "2026-07-12T15:43:01.000000Z"
            }
        ]
    }
}