Creates default user accounts on wallet setup

Ensures consistent user account structure by proactively
creating core liability and asset accounts when a user
configures their wallet settings.

services.py

@@ -2,11 +2,12 @@ from .crud import (
     create_castle_settings,
     create_user_wallet_settings,
     get_castle_settings,
+    get_or_create_user_account,
     get_user_wallet_settings,
     update_castle_settings,
     update_user_wallet_settings,
 )
-from .models import CastleSettings, UserWalletSettings
+from .models import AccountType, CastleSettings, UserWalletSettings
 
 
 async def get_settings(user_id: str) -> CastleSettings:
@@ -42,4 +43,13 @@ async def update_user_wallet(
     else:
         settings = await update_user_wallet_settings(user_id, data)
 
+    # Proactively create core user accounts when wallet is configured
+    # This ensures all users have a consistent account structure from the start
+    await get_or_create_user_account(
+        user_id, AccountType.LIABILITY, "Accounts Payable"
+    )
+    await get_or_create_user_account(
+        user_id, AccountType.ASSET, "Accounts Receivable"
+    )
+
     return settings