{
  "checking": {
    "label": "Checking Account",
    "requirements": [
      "Government-issued photo ID (driver's license or passport)",
      "Social Security Number / Taxpayer ID",
      "Date of birth",
      "Proof of address (utility bill, lease, or bank statement)",
      "Opening deposit (amount varies by institution)",
      "Phone number and email address"
    ]
  },
  "savings": {
    "label": "Savings Account",
    "requirements": [
      "Government-issued photo ID",
      "Social Security Number / Taxpayer ID",
      "Date of birth",
      "Proof of address",
      "Opening deposit (varies; many are $0 minimum)",
      "Phone number and email address"
    ]
  },
  "brokerage": {
    "label": "Brokerage / Investment Account",
    "requirements": [
      "Government-issued photo ID",
      "Social Security Number / Taxpayer ID",
      "Employment status and (sometimes) employer info",
      "Funding source (linked bank routing + account number)",
      "Risk / suitability questionnaire",
      "Phone number and email address"
    ]
  },
  "crypto_exchange": {
    "label": "Cryptocurrency Exchange",
    "requirements": [
      "Government-issued photo ID",
      "Social Security Number / Taxpayer ID",
      "Liveness selfie check (some exchanges)",
      "Proof of address",
      "Funding source (bank link or card)",
      "Two-factor authentication enabled",
      "Phone number and email address"
    ]
  },
  "credit_card": {
    "label": "Credit Card",
    "requirements": [
      "Government-issued photo ID",
      "Social Security Number / Taxpayer ID",
      "Annual income",
      "Employment status and employer",
      "Monthly housing payment",
      "Consent to a credit check (hard pull)",
      "Phone number and email address"
    ]
  },
  "payment_app": {
    "label": "Payment App (PayPal / Cash App / Venmo)",
    "requirements": [
      "Phone number and email address",
      "Government-issued photo ID (for higher limits)",
      "Social Security Number / Taxpayer ID (for higher limits)",
      "Linked bank account or debit card",
      "Date of birth"
    ]
  }
}