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See the full documentation in the React SDK. This hook is available identically in @chipi-stack/chipi-react, @chipi-stack/nextjs, and @chipi-stack/chipi-expo. 
import { useChipiWallet } from "@chipi-stack/chipi-react";
// or: import { useChipiWallet } from "@chipi-stack/nextjs";
// or: import { useChipiWallet } from "@chipi-stack/chipi-expo";

const {
  wallet,
  hasWallet,
  balance,
  formattedBalance,
  createWallet,
  isCreating,
  isLoadingWallet,
  refetchAll,
} = useChipiWallet({
  externalUserId: userId,
  getBearerToken: getToken,
  defaultToken: "USDC",
});