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$payload = '{
  "flow": "Purchase_AML",
  "sessionKey": "280CBF35-B4B0-4193-A111-429327AD1C621609813098361",
  "checkpoints": [
    "aml",
    "customer"
  ],
  "customer": {
    "id": "your_user_id",
    "createdAtMillis": 1616930100000,
    "firstName": "Osama",
    "lastName": "Bin Laden",
    "dateOfBirth": "1976-01-01",
    "address": {
      "street1": "3865 Jasmine Circle",
      "city": "San Jose",
      "regionCode": "CA",
      "postalCode": "95135",
      "countryCode": "US"
    },
    "emailAddress": "sardinetest@sardine.ai",
    "phone": "+14106160000"
  },
  "transaction": {
    "createdAtMillis": 1616936180000,
    "id": "orderNo1",
    "amount": 1234.56,
    "itemCategory": "ETH",
    "actionType": "buy",
    "currencyCode": "USD",
    "paymentMethod": {
      "type": "bank",
      "bank": {
        "accountNumber": "0123454321",
        "routingNumber": "12345321",
        "accountType": "checking",
        "balance": 100,
        "balanceCurrencyCode": "USD"
      }
    },
    "recipient": {
      "source": "payment",
      "paymentMethod": {
        "type": "crypto",
        "crypto": {
          "currencyCode": "ETH",
          "address": "0x7cB57B5A97eAbe94205C0123456789abcdef"
        }
      }
    }
  }
}';