$ curl https://api.treasuryprime.com/ach \
    -u "$API_KEY_ID:$API_KEY_VALUE" \
    -H "X-Idempotency-Key: $RANDOM_STRING" \
    -H 'Content-Type: application/json' \
    -d '{
          "account_id": "acct_123456",
          "amount": "100.00",
          "counterparty_id": "cp_098765",
          "direction": "credit",
          "sec_code": "ccd"
        }'