Activate Individual Account

curl --request POST \
  --url https://api.finhub.cloud/api/v2.1/customer/individual/cust_123456789/activation \
  --header 'Authorization: Bearer YOUR_TOKEN' \
  --header 'X-Tenant-ID: fh_api_finsei_ltd_7f957f77' \
  --header 'Content-Type: application/json' \
  --data '{
    "code": "ACTIVATION_CODE_MED_12345",
    "userId": "user_987654321"
  }'
```text`n## Example Response

```json
{
  "data": {
    "iban": "LT123456789012345678",
    "accountNumber": "ACC123456789",
    "wallet": {
      "walletId": "wal_abc123def456",
      "id": "wal_abc123def456",
      "currency": "EUR",
      "balance": "0.00",
      "status": "ACTIVE"
    },
    "status": "ACTIVATED",
    "activatedAt": "2025-01-23T11:00:00.000Z"
  }
}
```text`n## Activation Requirements

Before activation, ensure the following steps are completed:

1. **Customer Registration** - Account created successfully
2. **Verification Process** - Based on risk level:
   - Medium Risk: Identity and document verification
   - High Risk: Enhanced due diligence completed
3. **Consent Acceptance** - Required consents processed:
   - Terms and Conditions
   - Privacy Policy
   - Data Processing Consent

## Activation Codes

Activation codes can be:
- **System-generated**: Auto-generated based on customer type and risk level
- **Admin-provided**: Custom codes for specific scenarios
- **Pattern-based**: Following naming conventions like `ACTIVATION_CODE_{RISK}_{ID}`

Examples:
- `ACTIVATION_CODE_MED_12345` - Medium risk customer
- `ACTIVATION_CODE_HIGH_67890` - High risk customer
- `ACTIVATION_CODE_LOW_11111` - Low risk customer

## Post-Activation Actions

After successful activation:

1. **Create Customer Session** - Enable customer login
2. **Add Beneficiaries** - Set up payment recipients
3. **Fund Wallet** - Add initial balance if needed
4. **Set Transaction Limits** - Based on categorization

## Wallet Features

The created wallet includes:

- **Multi-currency support** (initially EUR)
- **Real-time balance tracking**
- **Transaction history**
- **Configurable limits based on risk profile**

### Balance Model

```json
{
  "balances": {
    "available": "0.00",    // Funds immediately usable
    "current": "0.00",      // Book balance
    "locked": "0.00"        // Reserved for pending operations
  }
}
```text`n## Error Handling

Common activation errors:

| Error Code | Description | Resolution |
|------------|-------------|------------|
| 400 | Invalid activation code | Verify code format and validity |
| 403 | Insufficient verification | Complete required verification steps |
| 404 | Customer not found | Check customer ID |
| 409 | Already activated | Account is already active |

## PowerShell Script Example

```powershell
# Account activation after verification and consent acceptance
$activationUrl = "$baseUrl/api/v2.1/customer/individual/$customerId/activation"
$activationRequest = @{
    code   = "ACTIVATION_CODE_$(Get-Date -Format 'yyyyMMddHHmmss')"
    userId = $userId
}

$activationBody = $activationRequest | ConvertTo-Json

try {
    $activationResponse = Invoke-RestMethod -Uri $activationUrl -Method Post -Headers $headers -Body $activationBody
    
    Write-Host "Account activated successfully!" -ForegroundColor Green
    
    # Extract IBAN from multiple possible locations
    if ($activationResponse.iban) {
        $accountIban = $activationResponse.iban
        Write-Host "  IBAN: $accountIban" -ForegroundColor Cyan
    }
    elseif ($activationResponse.data -and $activationResponse.data.iban) {
        $accountIban = $activationResponse.data.iban
        Write-Host "  IBAN: $accountIban" -ForegroundColor Cyan
    }
    
    # Extract wallet information
    $wallet = $null
    if ($activationResponse.data -and $activationResponse.data.wallet) {
        $wallet = $activationResponse.data.wallet
    }
    elseif ($activationResponse.wallet) {
        $wallet = $activationResponse.wallet
    }
    
    if ($wallet) {
        if ($wallet.walletId) { 
            $walletId = $wallet.walletId
            Write-Host "  Wallet ID: $walletId" -ForegroundColor Cyan 
        }
        elseif ($wallet.id) {
            $walletId = $wallet.id
            Write-Host "  Wallet ID: $walletId" -ForegroundColor Cyan
        }
        if ($wallet.currency) { 
            Write-Host "  Currency: $($wallet.currency)" -ForegroundColor White 
        }
        if ($wallet.balance) { 
            Write-Host "  Balance: $($wallet.balance)" -ForegroundColor White 
        }
        
        # Save customer session data
        $customerData = @{
            customerId = $customerId
            userId     = $userId
            walletId   = $walletId
            iban       = $accountIban
            activatedAt = (Get-Date).ToString("yyyy-MM-dd HH:mm:ss")
        }
        
        # Optionally save to file for future use
        $customerDataFile = "./customer_data_$(Get-Date -Format 'yyyyMMddHHmmss').json"
        $customerData | ConvertTo-Json | Set-Content -Path $customerDataFile
        Write-Host "  Customer data saved to: $customerDataFile" -ForegroundColor Gray
    }
}
catch {
    Write-Host "Activation failed: $($_.Exception.Message)" -ForegroundColor Red
    
    # Check if it's an already activated error
    if ($_.Exception.Message -match "already activated") {
        Write-Host "  Account is already active" -ForegroundColor Yellow
    }
}
```text`n## Related Endpoints

- [Register Individual Customer](/latest/api-reference/v2.1/customer/individual-register) - Initial registration
- [Create Verification Request](/latest/api-reference/v2.1/verification/create-verification) - Start verification
- [Accept Consents](/latest/api-reference/v2.1/consent/individual-consents) - Process consents
- [Get Wallet Details](/latest/api-reference/v2.1/wallet/get-wallet) - View wallet information