curl -X POST "https://demo.api.vultlocal.com/api/v1/wallet/transfer" \
  -H "Authorization: Bearer olive_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "from_account_id": "acc_abc123",
    "to_account_id": "acc_xyz789",
    "amount": "1000.00",
    "pin": "1234",
    "description": "Settlement payment"
  }'

{
  "success": true,
  "message": "Transfer completed successfully",
  "transaction_id": "txn_abc123",
  "amount": "1,000.00 SLE",
  "from_balance": "49,000.00 SLE",
  "to_balance": "11,000.00 SLE"
}

{
  "success": false,
  "error": "Insufficient balance",
  "code": "INSUFFICIENT_FUNDS"
}