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	`APPROVED`
4	Director verification	`APPROVED` (bypassed)
5	Role requirements for business type	Met
6	Minimum personnel	1 director, 1 shareholder, 1 employee
7	Terms & Conditions	`ACCEPTED`
8	Privacy Policy	`ACCEPTED`
9	Data Processing	`ACCEPTED`
10	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
`B2B`	`COMPLIANCE_OFFICER`
`B2C`	`CUSTOMER_SERVICE`

What Happens During Activation

Validate User Permission - Check COMPLIANCE_OFFICER or ADMIN_USER role
Check Organization Status - Verify not already ACTIVE
Validate Verification - Confirm APPROVED status
Validate Role Requirements - Check minimum roles for business type
Check Minimum Personnel - At least 1 director, shareholder, employee
Check Organization Consents - All three mandatory consents
Generate IBAN - Create unique IBAN for organization
Activate Wallet - Enable transaction capabilities
Apply Limits - Category-based transaction limits
Update Status - Set organization to ACTIVE
Publish Events - OrganizationActivated, WalletActivated (Kafka)
Send Notifications - Email confirmation

Business Account Features

Feature	Description
`SEPA_TRANSFERS`	SEPA credit transfers
`SWIFT_TRANSFERS`	International wire transfers
`BULK_PAYMENTS`	Batch payment processing
`DIRECT_DEBITS`	Direct 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

​Phase 5: Organization Activation

​Prerequisites Checklist

​Activate Organization

​Activation Validation Flow

​Role Requirements by Business Type

​What Happens During Activation

​Business Account Features

​Transaction Limits (Category-Based)

​Medium-Risk Business

​High-Risk Business

​Next Step

Phase 6: Beneficiary Management

Phase 5: Organization Activation

Prerequisites Checklist

Activate Organization

Activation Validation Flow

Role Requirements by Business Type

What Happens During Activation

Business Account Features

Transaction Limits (Category-Based)

Medium-Risk Business

High-Risk Business

Next Step