curl --request POST \
  --url https://api.grailpay.com/api/v3/people/{uuid}/bank-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "person": {
    "first_name": "John",
    "last_name": "Doe"
  },
  "billing_merchant_uuid": "6a8fc154-1a50-483b-a690-fd1dfaf9408b",
  "billing_processor_mid": "12345678",
  "bank_account": {
    "plaid_account_id": "<string>",
    "plaid_access_token": "<string>",
    "account_number": "9876543210",
    "routing_number": "021000021",
    "account_name": "John Doe",
    "account_type": "checking"
  },
  "actions": {}
}
'

{
  "status": true,
  "message": "This bank account already exists for this person. We have attached it as the default bank account.",
  "data": {
    "bank_account": {
      "aggregator_type": "manual",
      "uuid": "9b97f121-a449-4b52-9f36-6c55f18394d6",
      "is_default": true,
      "account_number": "********1234",
      "routing_number": "*****6789",
      "account_name": "John Doe",
      "account_type": "checking",
      "timestamps": {
        "created_at": "2024-06-25 13:57:03"
      }
    },
    "account_intelligence": {
      "confidence_score": 0.81,
      "decisioning_insights": {
        "account_duplicate": false,
        "days_since_first_seen": -1,
        "days_since_last_transaction": -1,
        "has_negative_transactions": false,
        "has_paid_transactions": false,
        "has_positive_transactions": true,
        "name_match": "yes",
        "phone_number_present": false,
        "valid_routing_number": true
      },
      "version": "v3"
    }
  },
  "errors": null,
  "request_id": "2d6a4c39-8fcf-4d80-9189-b4764eac31f2"
}