curl --request GET \
  --url https://production.hifibridge.com/v2/users/{userId}/virtual-accounts \
  --header 'Authorization: Bearer <token>'

{
  "count": 1,
  "data": [
    {
      "id": "cfbc005d-8640-57a4-89e1-539c974fa780",
      "createdAt": "2025-09-27T03:08:11.548Z",
      "updatedAt": "2025-09-27T03:08:11.548Z",
      "userId": "840c28f2-ea7d-5c3a-9271-b10fd8b6ae6d",
      "source": {
        "paymentRail": [
          "ach",
          "wire",
          "rtp"
        ],
        "currency": "usd"
      },
      "destination": {
        "chain": "POLYGON",
        "currency": "usdc",
        "walletAddress": "0xd102C4130985B7fcB95697616eaf5542c4f98d49",
        "externalWalletId": null
      },
      "status": "activated",
      "depositInstructions": {
        "bankName": "Bank of NoWhere",
        "bankAddress": "123 Main St, New York, NY 10001, USA",
        "beneficiary": {
          "name": "Henry Wu",
          "address": "Example St 1., Apt 123, New York, NY, 10010, US"
        },
        "ach": {
          "routingNumber": "028000024",
          "accountNumber": "123456789"
        },
        "wire": {
          "routingNumber": "021000021",
          "accountNumber": "123456789"
        },
        "rtp": {
          "routingNumber": "021000021",
          "accountNumber": "123456789"
        },
        "instruction": "Please deposit usd to the bank account provided. Please ensure that the beneficiary name matches the account holder name provided, or the payment may be rejected."
      },
      "settlementRuleId": null
    }
  ],
  "nextCursor": "2025-09-27T03:08:11.548Z"
}