curl --request POST \
  --url https://sandbox-api.polygon.technology/v0.10/virtual-accounts/{virtualAccountId}/simulate/inbound-transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "type": "bankIban",
  "network": "swift",
  "asset": "usd",
  "amount": "500.00"
}
'

{
  "virtualAccountId": "va_bztg5dcpfbec9s0jkq28d5meq3",
  "type": "bankIban",
  "network": "swift",
  "asset": "usd",
  "amount": "500.00",
  "status": "pending",
  "submittedAt": "2026-07-13T19:05:00Z",
  "referenceId": "intl_wire_in_9f3c2a7b8d1e4056"
}