{
  "id": "usr_abc123def456",
  "email": "user@example.com",
  "accounts": [
    {
      "id": "acc_checking001",
      "type": "checking",
      "name": "Chime Checking Account",
      "balance": 1234.56,
      "routing_number": "101019766",
      "account_number": "1234567890",
      "status": "active"
    },
    {
      "id": "acc_savings001",
      "type": "savings",
      "name": "Chime Savings Account",
      "balance": 5678.90,
      "routing_number": "101019766",
      "account_number": "0987654321",
      "status": "active"
    }
  ]
}