func main() {
	InitNewRepo("git@github.com:xyz/uvw.git", // make sure repo is empty with no branches
		&http.BasicAuth{
			Username: "abc", // yes, this can be anything except an empty string
			Password: "ghp_xxxxx",
		})
}

func InitNewRepo(url string, auth *http.BasicAuth) {
	repo, err := git.Init(memory.NewStorage(), memfs.New())
	checkErr(err)

	_, err = repo.CreateRemote(&config.RemoteConfig{
		Name: "origin",
		URLs: []string{url}})
	checkErr(err)

	worktree, err := repo.Worktree()
	checkErr(err)

	fmt.Println("checking out new branch")
	err = worktree.Checkout(&git.CheckoutOptions{
		Branch: plumbing.NewBranchReferenceName("main"),
		Create: true,
	})
	checkErr(err)
}

func checkErr(err error) {
	if err != nil {
		log.Fatal(err)
	}
}