{
  "status": "error",
  "code": 400,
  "message": "institution_name is required",
  "request_id": "62a88990-5a8a-4c89-8e16-d7a727d2ed0a",
  "timestamp": "2026-02-11T03:59:45.487Z",
  "observed_client_ip": {
    "request_ip": "172.64.80.1",
    "socket_remote_address": "172.64.80.1"
  }
}