When the authenticated merchant has wallets, payments_stable, or
payments_fiat but not customers, this endpoint is accessible without the
customers capability. Complete the profile with the update endpoint before
using stable-to-fiat payouts. Only
customer_type, email, first_name, and last_name are required:
This creates a local customer without payment-provider onboarding or KYC approval.
Optional fields are still validated when provided. Merchants with any other
capability configuration retain the existing customer-access requirements and
full payment-provider onboarding flow.
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