[2026-03-28 04:51:13] local.INFO: Virtual account generation started {"trace_id":"2b14c238-9789-40e1-a73f-233ec44b912c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 04:51:13] local.INFO: Tier 1 upgrade payload preview {"trace_id":"2b14c238-9789-40e1-a73f-233ec44b912c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"http://xpay.local/assets/upload/kyc/8LjMg9tpLEmYGfs7SV2dJeuR5FxEVb.jpg"}} 
[2026-03-28 04:51:26] local.ERROR: Virtual account generation failed {"trace_id":"2b14c238-9789-40e1-a73f-233ec44b912c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Tier 1 upgrade failed","status":400,"body":{"status":false,"message":"could not validate BVN"}}} 
[2026-03-28 07:07:46] local.INFO: Virtual account generation started {"trace_id":"b13734d5-dd00-4b4f-ad8a-d2d2dd03e845","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 07:07:46] local.INFO: Tier 1 upgrade payload preview {"trace_id":"b13734d5-dd00-4b4f-ad8a-d2d2dd03e845","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 07:07:47] local.ERROR: Virtual account generation failed {"trace_id":"b13734d5-dd00-4b4f-ad8a-d2d2dd03e845","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 07:13:46] local.INFO: Virtual account generation started {"trace_id":"88601fcb-edcd-46ac-bfd4-e2c41126d19c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 07:13:46] local.INFO: Tier 1 upgrade payload preview {"trace_id":"88601fcb-edcd-46ac-bfd4-e2c41126d19c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 07:13:47] local.ERROR: Virtual account generation failed {"trace_id":"88601fcb-edcd-46ac-bfd4-e2c41126d19c","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 07:14:07] local.INFO: Virtual account generation started {"trace_id":"ead6b3d0-c70c-452b-9d49-1732c0053de7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 07:14:07] local.INFO: Tier 1 upgrade payload preview {"trace_id":"ead6b3d0-c70c-452b-9d49-1732c0053de7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 07:14:08] local.ERROR: Virtual account generation failed {"trace_id":"ead6b3d0-c70c-452b-9d49-1732c0053de7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 07:17:43] local.INFO: Virtual account generation started {"trace_id":"3cf698af-6d6d-44a2-b31b-908932577aa9","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 07:17:44] local.INFO: Tier 1 upgrade payload preview {"trace_id":"3cf698af-6d6d-44a2-b31b-908932577aa9","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 07:17:45] local.ERROR: Virtual account generation failed {"trace_id":"3cf698af-6d6d-44a2-b31b-908932577aa9","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 07:20:17] local.INFO: Virtual account generation started {"trace_id":"0f94d40b-039a-4006-89a0-d6644c015b7b","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 07:20:17] local.INFO: Tier 1 upgrade payload preview {"trace_id":"0f94d40b-039a-4006-89a0-d6644c015b7b","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 07:20:18] local.ERROR: Virtual account generation failed {"trace_id":"0f94d40b-039a-4006-89a0-d6644c015b7b","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 11:58:51] local.INFO: Virtual account generation started {"trace_id":"12d00fce-1f8c-497f-a5c6-93bf6a78c85f","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 11:58:51] local.INFO: Tier 1 upgrade payload preview {"trace_id":"12d00fce-1f8c-497f-a5c6-93bf6a78c85f","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 11:58:53] local.ERROR: Virtual account generation failed {"trace_id":"12d00fce-1f8c-497f-a5c6-93bf6a78c85f","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 12:03:09] production.INFO: Virtual account generation started {"trace_id":"98e257b2-295c-4f65-9cce-e220f75faeb7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 12:03:09] production.INFO: Tier 1 upgrade payload preview {"trace_id":"98e257b2-295c-4f65-9cce-e220f75faeb7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 12:03:10] production.ERROR: Virtual account generation failed {"trace_id":"98e257b2-295c-4f65-9cce-e220f75faeb7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 12:07:28] production.INFO: Virtual account generation started {"trace_id":"1e50629d-6cea-4f91-9455-d04de0d645df","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 12:07:28] production.INFO: Tier 1 upgrade payload preview {"trace_id":"1e50629d-6cea-4f91-9455-d04de0d645df","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 12:07:29] production.ERROR: Virtual account generation failed {"trace_id":"1e50629d-6cea-4f91-9455-d04de0d645df","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Access Denied"}}} 
[2026-03-28 12:36:09] production.INFO: Virtual account generation started {"trace_id":"8057ddc0-dada-40cb-bcc3-8e21b7d279f4","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 12:36:09] production.INFO: Tier 1 upgrade payload preview {"trace_id":"8057ddc0-dada-40cb-bcc3-8e21b7d279f4","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 12:36:10] production.ERROR: Virtual account generation failed {"trace_id":"8057ddc0-dada-40cb-bcc3-8e21b7d279f4","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}} 
[2026-03-28 12:39:35] production.INFO: Virtual account generation started {"trace_id":"7fa0091f-045b-443e-97f5-4f52a73ad5d7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 12:39:35] production.INFO: Tier 1 upgrade payload preview {"trace_id":"7fa0091f-045b-443e-97f5-4f52a73ad5d7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 12:39:36] production.ERROR: Virtual account generation failed {"trace_id":"7fa0091f-045b-443e-97f5-4f52a73ad5d7","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}} 
[2026-03-28 14:23:26] production.INFO: Virtual account generation started {"trace_id":"b83829af-419d-4326-9c7b-2c62a8b2e2e1","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 14:23:26] production.INFO: Tier 1 upgrade payload preview {"trace_id":"b83829af-419d-4326-9c7b-2c62a8b2e2e1","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 14:23:27] production.ERROR: Virtual account generation failed {"trace_id":"b83829af-419d-4326-9c7b-2c62a8b2e2e1","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}} 
[2026-03-28 14:23:39] production.INFO: Virtual account generation started {"trace_id":"4133a711-18a8-48b8-b29c-98f868dab4bc","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231"} 
[2026-03-28 14:23:39] production.INFO: Tier 1 upgrade payload preview {"trace_id":"4133a711-18a8-48b8-b29c-98f868dab4bc","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"payload":{"customer_id":"","dob":"08-08-2005","identification_number":"22696497539","phone":{"phone_country_code":"+234","phone_number":"9065524770"},"address":{"street":"10, DOLAMU STREET, AGODO, EGBE, OTHER, LAGOS, NIGERIA","street2":"","city":"Lagos","state":"Lagos","country":"NG","postal_code":"100001"},"photo":"https://xtrowave.site/assets/upload/kyc/3PKChH6vaDHDYPcOwgbuKVwIrQyEiZ.webp"}} 
[2026-03-28 14:23:40] production.ERROR: Virtual account generation failed {"trace_id":"4133a711-18a8-48b8-b29c-98f868dab4bc","provider":"maplerad","mode":"live","currency":"NGN","user_id":1,"wallet_id":2,"wallet_uuid":"a16710f1-dc1e-4fca-a075-291d0338b231","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}} 
[2026-03-28 14:23:53] production.INFO: Virtual account generation started {"trace_id":"97bf1ab1-96e4-4395-8c74-b3bf7b2408f1","provider":"maplerad","mode":"live","currency":"USD","user_id":1,"wallet_id":3,"wallet_uuid":"a1671157-8a98-4916-9ee0-961c9e228ae5"} 
[2026-03-28 14:23:54] production.ERROR: Virtual account generation failed {"trace_id":"97bf1ab1-96e4-4395-8c74-b3bf7b2408f1","provider":"maplerad","mode":"live","currency":"USD","user_id":1,"wallet_id":3,"wallet_uuid":"a1671157-8a98-4916-9ee0-961c9e228ae5","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}} 
[2026-03-28 18:31:14] production.INFO: Virtual account generation started {"trace_id":"42a0fce1-13cb-4fe3-b529-8865ced90bc3","provider":"maplerad","mode":"live","currency":"USD","user_id":1,"wallet_id":3,"wallet_uuid":"a1671157-8a98-4916-9ee0-961c9e228ae5"} 
[2026-03-28 18:31:15] production.ERROR: Virtual account generation failed {"trace_id":"42a0fce1-13cb-4fe3-b529-8865ced90bc3","provider":"maplerad","mode":"live","currency":"USD","user_id":1,"wallet_id":3,"wallet_uuid":"a1671157-8a98-4916-9ee0-961c9e228ae5","result":{"ok":false,"message":"Maplerad customer lookup failed","status":401,"body":{"status":false,"message":"Unauthorized"}}}