Phase 5: Account Activation

Activation is the final step before the customer can perform financial operations. This phase generates the IBAN and activates the wallet.

Prerequisites Checklist

ALL prerequisites must be met before activation:

Prerequisite	Required Status	Check
Verification	`APPROVED`	✅
Terms & Conditions	`ACCEPTED`	✅
Privacy Policy	`ACCEPTED`	✅
Data Processing	`ACCEPTED`	✅
Customer Status	Not `ACTIVE`	✅

Check Activation Readiness

Before attempting activation, verify all prerequisites are met.

Request
Response - Ready
Response - Not Ready

Endpoint: GET /api/v2.1/customer/individual/{customerId}/owner/{tenantId}/activation/checkHeaders:

Authorization: Bearer {jwt-token}

Status: 200 OK

{
  "code": 200,
  "message": "Activation check completed",
  "data": {
    "activationAllowed": true,
    "consentOk": true,
    "verificationOk": true,
    "powerTenantApprovalOk": true,
    "powerTenantApprovalRequired": false,
    "riskLevel": "LOW",
    "isHighRisk": false,
    "customerId": "cust-550e8400-e29b-41d4-a716-446655440010",
    "powerTenant": "97e7ff29-15f3-49ef-9681-3bbfcce4f6cd",
    "ownerTenant": "97e7ff29-15f3-49ef-9681-3bbfcce4f6cd"
  }
}

{
  "code": 200,
  "message": "Activation check completed",
  "data": {
    "activationAllowed": false,
    "consentOk": false,
    "verificationOk": true,
    "riskLevel": "LOW",
    "customerId": "cust-550e8400-e29b-41d4-a716-446655440010",
    "missingConsents": ["PRIVACY_POLICY", "DATA_PROCESSING"]
  }
}

Activate Customer Account

Request
Success Response
Error - Missing Consents
Error - Not Verified

Endpoint: POST /api/v2.1/customer/individual/{customerId}/activationHeaders:

Authorization: Bearer {admin-jwt-token}

Request Body:

{
  "activationReason": "All verification and consents completed successfully",
  "activatedBy": "admin-user-id"
}

Status: 200 OK

{
  "code": 200,
  "message": "Customer activated successfully",
  "data": {
    "activationStatus": "ACTIVATED",
    "customerId": "cust-550e8400-e29b-41d4-a716-446655440010",
    "iban": "FR7630001007941234567890185",
    "bic": "SOGEFRPP",
    "activatedAt": "2026-01-14T14:00:00.000Z",
    "wallet": {
      "walletId": "wallet-aa0e8400-e29b-41d4-a716-446655440050",
      "id": "wallet-aa0e8400-e29b-41d4-a716-446655440050",
      "iban": "FR7630001007941234567890185",
      "bic": "SOGEFRPP",
      "currency": "EUR",
      "balance": "0.00",
      "reservedBalance": "0.00",
      "status": "ACTIVE",
      "asset": {
        "assetId": "asset-bb0e8400-e29b-41d4-a716-446655440051",
        "assetType": "FIAT",
        "currency": "EUR",
        "currentBalance": "0.00",
        "availableBalance": "0.00",
        "blockedBalance": "0.00",
        "lastUpdated": "2026-01-14T14:00:00.000Z"
      },
      "createdAt": "2026-01-13T10:30:00.000Z",
      "activatedAt": "2026-01-14T14:00:00.000Z"
    }
  }
}

Status: 400 Bad Request

{
  "code": 400,
  "message": "Missing required consents",
  "data": {
    "activationStatus": "CONSENT_REQUIRED",
    "customerId": "cust-550e8400-e29b-41d4-a716-446655440010",
    "missingConsentTypes": ["PRIVACY_POLICY", "DATA_PROCESSING"],
    "missingConsentDetails": {
      "PRIVACY_POLICY": {
        "consentType": "PRIVACY_POLICY",
        "title": "Privacy Policy and Data Protection",
        "required": true,
        "status": "MISSING",
        "reason": "Customer has not provided active consent",
        "acceptUrl": "/api/v2.1/customer/individual/{customerId}/consents/privacy"
      },
      "DATA_PROCESSING": {
        "consentType": "DATA_PROCESSING",
        "title": "Data Processing Agreement",
        "required": true,
        "status": "MISSING",
        "acceptUrl": "/api/v2.1/customer/individual/{customerId}/consents/data-processing"
      }
    },
    "totalRequiredConsents": 3,
    "totalMissingConsents": 2,
    "nextSteps": [
      "Accept Privacy Policy",
      "Accept Data Processing Agreement",
      "Retry activation"
    ]
  }
}

Status: 422 Unprocessable Entity

{
  "code": 422,
  "message": "Customer not verified",
  "data": {
    "activationStatus": "VERIFICATION_REQUIRED",
    "customerId": "cust-550e8400-e29b-41d4-a716-446655440010",
    "verificationStatus": "PENDING_REVIEW",
    "reason": "Customer verification must be APPROVED before activation",
    "currentVerificationId": "verif-880e8400-e29b-41d4-a716-446655440030",
    "verificationStatusUrl": "/api/v2.1/verifications/{verificationId}",
    "estimatedCompletionTime": "1-2 business days"
  }
}

What Happens During Activation

Activation Steps

Validate Prerequisites - Check verification and consents
Generate IBAN - Create unique IBAN for customer
Activate Wallet - Change wallet status from INACTIVE to ACTIVE
Update Status - Set customer status to ACTIVE
Publish Events - CustomerActivated, WalletActivated (Kafka)
Send Notifications - Email confirmation to customer

Key IDs Created

Field	Example Value	Description
`iban`	FR7630001007941234567890185	Customer’s IBAN for payments
`bic`	SOGEFRPP	Bank Identifier Code
`walletId`	wallet-aa0e8400…	Wallet identifier for transactions

IBAN Format

FR76 + [Bank Code] + [Account Number] + [Check Digits]
     └─── Country Code (France)

Next Step

After activation, proceed to Phase 6: Wallet Operations to manage the customer’s wallet.

Phase 6: Wallet Operations

Query balance and allowed operations

​Phase 5: Account Activation

​Prerequisites Checklist

​Check Activation Readiness

​Activate Customer Account

​What Happens During Activation

​Activation Steps

​Key IDs Created

​IBAN Format

​Next Step

Phase 6: Wallet Operations

Phase 5: Account Activation

Prerequisites Checklist

Check Activation Readiness

Activate Customer Account

What Happens During Activation

Activation Steps

Key IDs Created

IBAN Format

Next Step