Manjaro-arm-tools creating a default user

From useradd -h you get

  -p, --password PASSWORD       encrypted password of the new account

To create the encrypted password you can use the Perl crypt() function

crypt($text, $salt)

So you can do

sudo useradd -m -p $(perl -e crypt("plaintextpassword", "salt") chosenusername

There is plenty results on the internet when you search for scripting useradd