余额分账申请请求

{
    "mchBatchNo": "BAL_BATCH_20250101000001",
    "appChannelSn": "AC20250101001",
    "accountNo": "PAY_ACCOUNT_001",
    "notifyUrl": "https://example.com/notify/balance",
    "acctInfos": [
        {
            "accountNo": "RECV_ACCOUNT_001",
            "amount": 100,
            "description": "余额分账-服务费",
            "feeRate": 0
        }
    ]
}