> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.
# Phase 6: Wallet Operations
> Query balance, check allowed operations, and view transaction limits
# Phase 6: Wallet Operations
After activation, the customer can query their wallet balance, check allowed operations, and view transaction limits.
## Prerequisites
| Requirement | Status |
| --------------- | --------- |
| Customer Status | `ACTIVE` |
| Wallet Status | `ACTIVE` |
| Valid Session | JWT token |
***
## Get Wallet Balance
**Endpoint:** `GET /api/v2.1/fintrans/{accountId}/balance`
**Path Parameters:**
* `accountId`: Wallet ID from activation response
**Headers:**
```http theme={null}
Authorization: Bearer {jwt-token}
```
**Status:** `200 OK`
```json theme={null}
{
"code": 200,
"message": "Balance retrieved successfully",
"data": {
"walletId": "wallet-aa0e8400-e29b-41d4-a716-446655440050",
"iban": "FR7630001007941234567890185",
"currency": "EUR",
"status": "ACTIVE",
"currentBalance": "500000",
"currentBalanceFormatted": "5000.00",
"availableBalance": "450000",
"availableBalanceFormatted": "4500.00",
"blockedBalance": "50000",
"blockedBalanceFormatted": "500.00",
"lastTransaction": "2026-01-14T15:30:00.000Z",
"balanceHistory": [
{
"date": "2026-01-14",
"balance": "5000.00"
}
]
}
}
```
### Balance Fields
| Field | Description |
| ------------------------- | ---------------------------------------- |
| `currentBalance` | Total balance in minor units (cents) |
| `currentBalanceFormatted` | Formatted balance with currency |
| `availableBalance` | Balance available for transactions |
| `blockedBalance` | Balance blocked for pending transactions |
**Balance Format:** Balances are returned in minor units (cents). Divide by 100 for the actual amount. Example: `500000` = €5000.00
***
## Get Allowed Operations
**Endpoint:** `GET /api/v2.1/fintrans/{accountId}/allowed-operations`
**Query Parameters:**
* `includeBeneficiaries`: true/false
* `includeConsents`: true/false
**Headers:**
```http theme={null}
Authorization: Bearer {jwt-token}
```
**Status:** `200 OK`
```json theme={null}
{
"code": 200,
"message": "Allowed operations retrieved successfully",
"data": {
"accountId": "wallet-aa0e8400-e29b-41d4-a716-446655440050",
"operations": [
{
"operationType": "TRANSFER",
"allowedNetworks": ["SEPA", "SWIFT"],
"requiresConsent": true,
"requiresApproval": false,
"enabled": true
},
{
"operationType": "PAYMENT",
"allowedNetworks": ["SEPA"],
"requiresConsent": true,
"requiresApproval": false,
"enabled": true
},
{
"operationType": "TOPUP",
"allowedNetworks": ["SEPA"],
"requiresConsent": false,
"requiresApproval": false,
"enabled": true
}
],
"limits": {
"perTxn": {
"EUR": 2000
},
"daily": {
"EUR": 5000
},
"monthly": {
"EUR": 50000
}
},
"accountLimits": {
"dailyTransactionLimit": 5000,
"monthlyTransactionLimit": 50000,
"singleTransactionLimit": 2000,
"currency": "EUR",
"limitType": "CATEGORY_BASED",
"categoryName": "HIGH_RISK_INDIVIDUAL"
},
"consentStatus": {
"hasValidPaymentConsent": true,
"hasRecurringPaymentConsent": false,
"hasPreApprovalConsent": false,
"hasInternationalTransferConsent": true,
"missingConsents": [],
"allRequiredConsentsValid": true,
"lastUpdated": "2026-01-14T14:00:00.000Z"
},
"enabledFeatures": [
"TRANSFER",
"PAYMENT",
"INTERNATIONAL",
"SCHEDULED_PAYMENT"
],
"beneficiaries": [],
"beneficiaryRules": [
{
"ruleType": "ALLOWED_TYPES",
"allowedValues": ["INTERNAL", "SEPA", "SWIFT"],
"description": "Allowed beneficiary types"
},
{
"ruleType": "REQUIRE_PRE_REGISTRATION",
"value": true,
"description": "Beneficiaries must be pre-registered"
}
]
}
}
```
***
## Operation Types
| Operation | Description | Networks |
| ---------- | ------------------------- | ----------- |
| `TRANSFER` | Send money to beneficiary | SEPA, SWIFT |
| `PAYMENT` | Make a payment | SEPA |
| `TOPUP` | Add funds to wallet | SEPA |
***
## Transaction Limits
Limits are determined by customer categorization:
### High-Risk Individual
| Limit Type | Amount (EUR) |
| --------------- | ------------ |
| Per Transaction | 2,000 |
| Daily | 5,000 |
| Monthly | 50,000 |
### Standard Individual
| Limit Type | Amount (EUR) |
| --------------- | ------------ |
| Per Transaction | 5,000 |
| Daily | 10,000 |
| Monthly | 100,000 |
Limits are enforced at transaction time. Exceeding limits will result in transaction rejection.
***
## Consent Status
The `consentStatus` object indicates which payment consents are in place:
| Field | Description |
| --------------------------------- | -------------------------------- |
| `hasValidPaymentConsent` | Basic payment consent active |
| `hasRecurringPaymentConsent` | Recurring payments enabled |
| `hasPreApprovalConsent` | Pre-approved payments enabled |
| `hasInternationalTransferConsent` | International transfers enabled |
| `allRequiredConsentsValid` | All required consents are active |
***
## Get Transaction History
**Endpoint:** `GET /api/v2.1/fintrans/{accountId}/orders`
**Query Parameters:**
* `page`: Page number (default: 0)
* `size`: Page size (default: 20)
* `status`: Filter by status
* `fromDate`: Start date filter
* `toDate`: End date filter
**Headers:**
```http theme={null}
Authorization: Bearer {jwt-token}
```
**Status:** `200 OK`
```json theme={null}
{
"code": 200,
"message": "Orders retrieved successfully",
"data": {
"content": [
{
"orderId": "order-ff0e8400-e29b-41d4-a716-446655440081",
"operationType": "TRANSFER",
"status": "COMPLETED",
"amount": "100000",
"amountFormatted": "1000.00",
"currency": "EUR",
"beneficiaryName": "Jane Smith",
"beneficiaryIban": "GB82WEST12345698765432",
"reference": "FAM-2026-001",
"createdAt": "2026-01-14T15:45:00.000Z",
"executedAt": "2026-01-14T15:45:30.000Z"
}
],
"page": 0,
"size": 20,
"totalElements": 1,
"totalPages": 1
}
}
```
***
## Next Step
Proceed to **Phase 7: Payment Operations** to add beneficiaries and execute transfers.
Add beneficiaries and execute transfers