gistfile1.php

<?php

interface BalanceAccountTypeParamsAware
{
    /** @return AbstractTypeParameter[] */
    public function getTypeParams(): array;
}

class BalanceAccountType implemements BalanceAccountTypeParamsAware
{    
    public function __construct(CurrencyParamType $currencyParamType, PayableParamType $payableParamType)
    {...}
    
    public function getTypeParams(): array
    {
        return [$this->currencyParamType, $this->payableParamType];
    }
}

class CustomBalanceAccountTypeParams implements BalanceAccountTypeParamsAware
{...}

class BalanceAccountTypeCriteria
{
    public function __construct(BalanceAccountTypeParamsAware $typeParams)
    {...}
    
    public function get()
    {
        $params = $this->typeParams->getTypeParams();
        ...
    }
}


// и тогда вызывать можно либо с кастомным набором параметров либо с жестким типом
// 1
$typeParams = new CustomBalanceAccountTypeParams([
    CurrencyTypeParams::create('RUB'),
]);
$criteria = new BalanceAccountTypeCriteria($typeParams);

// 2

$typeParams = new BalanceAccountType(
    CurrencyTypeParams::create('RUB'),
    PayableTypeParams::create('bonus')
);
$criteria = new BalanceAccountTypeCriteria($typeParams);