curl --request POST \
  --url http://localhost:8080/v1/beneficiaries/{id}/instruments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "method": "<string>",
  "credentials": {},
  "currency": "<string>",
  "country": "<string>",
  "label": "<string>",
  "is_default": true
}
'

{
  "id": "ins_cq1234567890abcdef",
  "beneficiary_id": "<string>",
  "merchant_id": "<string>",
  "method": "<string>",
  "currency": "<string>",
  "country": "<string>",
  "label": "<string>",
  "display_last4": "<string>",
  "display_bank": "<string>",
  "display_network": "<string>",
  "status": "active",
  "is_default": true,
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z"
}