const vivo = createClient({
  apiKey: 'vp_live_xxx',
  environment: 'production'
});

await vivo.wallets.create({
  subjectId: 'user_123',
  currency: 'USD'
});

await vivo.payouts.create({
  amount: 5000,
  currency: 'USD',
  destination: 'wallet_456'
});