Solicitar antecipação

POST /api/advances/

curl --request POST \
  --url https://upay-sistema-api.onrender.com/api/advances/ \
  --header 'Authorization: Bearer SEU_JWT_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
    "amountCents": 50000,
    "reason": "Capital de giro"
  }'

{
  "success": true,
  "data": {
    "id": "550e8400-e29b-41d4-a716-446655440000",
    "amountCents": 50000,
    "netAmountCents": 48500,
    "feeCents": 1500,
    "feePercentage": 3.0,
    "status": "PENDING",
    "createdAt": "2026-05-25T00:00:00.000Z"
  }
}