curl --request POST \
  --url http://localhost:8080/v1/onboarding/submit \
  --header 'Authorization: Bearer <token>'

{
  "id": "<string>",
  "merchant_id": "<string>",
  "status": "draft",
  "legal_name": "<string>",
  "trading_name": "<string>",
  "registration_no": "<string>",
  "business_type": "<string>",
  "industry": "<string>",
  "website": "<string>",
  "reg_country": "<string>",
  "primary_contact_name": "<string>",
  "primary_contact_email": "[email protected]",
  "expected_monthly_volume": "<string>",
  "destination_countries": [
    "<string>"
  ],
  "source_currencies": [
    "<string>"
  ],
  "beneficial_owners": [
    {
      "full_name": "<string>",
      "date_of_birth": "<string>",
      "nationality": "<string>",
      "country": "<string>",
      "ownership_pct": 123,
      "role": "<string>"
    }
  ],
  "risk_tier": "low",
  "assigned_to": "<string>",
  "rejection_reason": "<string>",
  "submitted_at": "2023-11-07T05:31:56Z",
  "decided_at": "2023-11-07T05:31:56Z",
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z"
}