Using v4 to create an user but getting error as WALLET_CREATION_EXCEPTION

[webdeveloper143]

I've tried to create an user using the sample input but getting error as WALLET_CREATION_EXCEPTION

An error has occurred and the account(s) was not created.||invalidIssuerForWalletCreation

require_once ('./vendor/autoload.php');

$client = new \Hyperwallet\Hyperwallet("restapiuser@xxxxx", "xxxxxx", null, "https://api.sandbox.hyperwallet.com");

$user = new \Hyperwallet\Model\User();
$user
  ->setProgramToken("prg-xxxxx")  
  ->setClientUserId('test-client-id-1')
  ->setProfileType(\Hyperwallet\Model\User::PROFILE_TYPE_INDIVIDUAL)
  ->setFirstName('Daffyd')
  ->setLastName('y Goliath')
  ->setEmail('testmail-1@hyperwallet.com')
  ->setAddressLine1('123 Main Street')
  ->setCity('Austin')
  ->setStateProvince('TX')
  ->setCountry('US')
  ->setPostalCode('78701');

try {
    $createdUser = $client->createUser($user);
} catch (\Hyperwallet\Exception\HyperwalletException $e) {
    // Add error handling here
    // var_dump($e->getErrorResponse());
    // var_dump($e->getErrorResponse()->getErrors());
    foreach ($e->getErrorResponse()->getErrors() as $error) {
        echo "\n------\n";
        echo $error->getFieldName()."\n";
        echo $error->getCode()."\n";
        echo $error->getMessage()."\n";
    }
}