Phase 5: Organization Activation Activation is the final step that enables the organization to perform financial operations. This phase includes role validation, IBAN generation, and wallet activation.
Prerequisites Checklist ALL prerequisites must be met before activation:
# Prerequisite Required Status 1 User has COMPLIANCE_OFFICER or ADMIN_USER role ✅ 2 Organization status Not already ACTIVE 3 Verification status APPROVED4 Director verification APPROVED (bypassed)5 Role requirements for business type Met 6 Minimum personnel 1 director, 1 shareholder, 1 employee 7 Terms & Conditions ACCEPTED8 Privacy Policy ACCEPTED9 Data Processing ACCEPTED10 Director consents All DATA_PROCESSING (bypassed)
Activate Organization Request
Success Response
Error - Missing Consents
Error - Not Verified
Endpoint: POST /api/v2.1/customer/organization/{organizationId}/activationHeaders: X-User-ID : user-660e8400-e29b-41d4-a716-446655440011 X-User-Roles : ADMIN_USER Authorization : Bearer {jwt-token}
Request Body: { "activationReason" : "All prerequisites met - verification approved, all consents accepted, personnel requirements satisfied" , "activatedBy" : "admin-user-id" , "activationNotes" : "Organization ready for live operations" }
Status: 200 OK{ "code" : 200 , "message" : "Organization activated successfully" , "data" : { "activation" : { "message" : "Organization activated successfully" , "status" : "ACTIVE" , "activatedAt" : "2026-01-15T14:00:00.000Z" , "activatedBy" : "admin-user-id" , "warnings" : [ "Optional consent 'MARKETING_COMMUNICATIONS' not given" ] }, "organizationId" : "org-880e8400-e29b-41d4-a716-446655440110" , "iban" : "FR7630001007941234567890186" , "bic" : "SOGEFRPP" , "accountName" : "Acme Corporation Limited" , "wallet" : { "walletId" : "wallet-aa0e8400-e29b-41d4-a716-446655440120" , "id" : "wallet-aa0e8400-e29b-41d4-a716-446655440120" , "iban" : "FR7630001007941234567890186" , "bic" : "SOGEFRPP" , "currency" : "EUR" , "balance" : "0.00" , "status" : "ACTIVE" , "accountType" : "BUSINESS" , "features" : [ "SEPA_TRANSFERS" , "SWIFT_TRANSFERS" , "BULK_PAYMENTS" , "DIRECT_DEBITS" ] }, "limits" : { "dailyLimit" : "200000.00" , "monthlyLimit" : "500000.00" , "singleTransactionLimit" : "100000.00" , "currency" : "EUR" }, "nextSteps" : [ "Add beneficiaries for payments" , "Create payment consents" , "Fund wallet via incoming transfer" , "Begin transaction operations" ] } }
Status: 400 Bad Request{ "code" : 400 , "message" : "Missing required consents" , "data" : { "activationStatus" : "CONSENT_REQUIRED" , "missingConsents" : [ "DATA_PROCESSING" ], "consentDetails" : { "TERMS_AND_CONDITIONS" : { "status" : "ACCEPTED" , "acceptedAt" : "2026-01-15T10:00:00.000Z" , "acceptedBy" : "Jane Smith (CEO)" }, "PRIVACY_POLICY" : { "status" : "ACCEPTED" , "acceptedAt" : "2026-01-15T10:05:00.000Z" , "acceptedBy" : "Jane Smith (CEO)" }, "DATA_PROCESSING" : { "status" : "MISSING" , "required" : true , "acceptUrl" : "/api/v2.1/customer/organization/{orgId}/consents/data-processing" } } } }
Status: 422 Unprocessable Entity{ "code" : 422 , "message" : "Organization not verified" , "data" : { "activationStatus" : "VERIFICATION_REQUIRED" , "verificationStatus" : "PENDING_REVIEW" , "verificationId" : "verif-ff0e8400-e29b-41d4-a716-446655440160" , "reason" : "Organization verification must be APPROVED before activation" , "estimatedCompletionTime" : "1-2 business days" } }
Activation Validation Flow Role Requirements by Business Type Business Type Required Roles B2BCOMPLIANCE_OFFICERB2CCUSTOMER_SERVICE
What Happens During Activation
Validate User Permission - Check COMPLIANCE_OFFICER or ADMIN_USER roleCheck Organization Status - Verify not already ACTIVEValidate Verification - Confirm APPROVED statusValidate Role Requirements - Check minimum roles for business typeCheck Minimum Personnel - At least 1 director, shareholder, employeeCheck Organization Consents - All three mandatory consentsGenerate IBAN - Create unique IBAN for organizationActivate Wallet - Enable transaction capabilitiesApply Limits - Category-based transaction limitsUpdate Status - Set organization to ACTIVEPublish Events - OrganizationActivated, WalletActivated (Kafka)Send Notifications - Email confirmation
Business Account Features Feature Description SEPA_TRANSFERSSEPA credit transfers SWIFT_TRANSFERSInternational wire transfers BULK_PAYMENTSBatch payment processing DIRECT_DEBITSDirect debit collections
Transaction Limits (Category-Based) Medium-Risk Business Limit Type Amount (EUR) Daily 200,000 Monthly 500,000 Single Transaction 100,000
High-Risk Business Limit Type Amount (EUR) Daily 50,000 Monthly 200,000 Single Transaction 25,000
Next Step After activation, proceed to Phase 6: Beneficiary Management .
Phase 6: Beneficiary Management Add business beneficiaries
