create_recipient

{
  "request_id": "stable retry ID",
  "rail": "VND",
  "type": "fiat",
  "payment_instrument": "bank_transfer",
  "fields": {},
  "bank_info": {
    "bank_name": "optional",
    "account_number": "19030936530017",
    "holder_name": "optional",
    "country": "VN",
    "key": "optional",
    "address": "optional"
  },
  "pasted_text": "optional labeled bank details or raw QR content",
  "qr_content": "optional raw QR payload",
  "image": {
    "path": "absolute local path for stdio only",
    "data_base64": "base64 or data URI for remote transport",
    "mime_type": "image/png"
  },
  "is_default_wallet": false
}