// Create business wallet with advanced features
const createBusinessWallet = async (businessData) => {
  const wallet = await payvessel.wallets.create({
    customer_id: businessData.business_id,
    currency: 'NGN',
    wallet_type: 'business',
    label: `${businessData.business_name} Operating Account`,
    customer_info: {
      first_name: businessData.ceo_first_name,
      last_name: businessData.ceo_last_name,
      email: businessData.business_email,
      phone: businessData.business_phone,
      bvn: businessData.ceo_bvn,
      address: businessData.business_address
    },
    features: {
      debit_card: false,
      bill_payments: true,
      transfers: true,
      overdraft: businessData.credit_approved
    },
    limits: {
      daily_transaction_limit: businessData.daily_limit || '5000000',
      monthly_transaction_limit: businessData.monthly_limit || '50000000',
      single_transaction_limit: '2000000'
    },
    metadata: {
      business_type: businessData.business_type,
      industry: businessData.industry,
      registration_number: businessData.cac_number,
      tax_id: businessData.tin
    }
  });
  
  // Set up business-specific features
  await setupBusinessFeatures(businessData.business_id, wallet.data);
  
  return wallet.data;
};

// Create goal-based savings wallet
const createSavingsWallet = async (customerId, savingsGoal) => {
  const wallet = await payvessel.wallets.create({
    customer_id: customerId,
    currency: 'NGN',
    wallet_type: 'savings',
    label: savingsGoal.name,
    customer_info: await getCustomerInfo(customerId),
    features: {
      debit_card: false,
      bill_payments: false,
      transfers: true,
      savings_interest: true
    },
    limits: {
      daily_transaction_limit: '100000',
      single_transaction_limit: '50000',
      daily_transaction_count: 5
    },
    metadata: {
      goal_amount: savingsGoal.target_amount,
      goal_date: savingsGoal.target_date,
      auto_save_amount: savingsGoal.monthly_contribution,
      goal_type: savingsGoal.category
    }
  });
  
  // Set up automatic savings
  if (savingsGoal.auto_save) {
    await setupAutomaticSavings(customerId, wallet.data.wallet_id, savingsGoal);
  }
  
  return wallet.data;
};

// Create wallets for multiple currencies
const createMultiCurrencyWallets = async (customerId, currencies) => {
  const wallets = [];
  
  for (const currency of currencies) {
    const wallet = await payvessel.wallets.create({
      customer_id: customerId,
      currency: currency,
      wallet_type: 'personal',
      label: `${currency} Account`,
      customer_info: await getCustomerInfo(customerId),
      features: {
        debit_card: currency === 'NGN',
        bill_payments: currency === 'NGN',
        transfers: true
      },
      limits: getCurrencyLimits(currency),
      metadata: {
        primary_currency: currency === 'NGN',
        forex_enabled: true,
        cross_currency_transfers: true
      }
    });
    
    wallets.push(wallet.data);
  }
  
  // Link wallets for easy currency conversion
  await linkMultiCurrencyWallets(customerId, wallets);
  
  return wallets;
};