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

Authorization: Bearer {jwt-token}

Status: 200 OK

json

{
  "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

Get Allowed Operations

Endpoint: GET /api/v2.1/fintrans/{accountId}/allowed-operations

Query Parameters:

includeBeneficiaries: true/false
includeConsents: true/false

Headers:

http

Authorization: Bearer {jwt-token}

Status: 200 OK

json

{
  "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

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

Authorization: Bearer {jwt-token}

Status: 200 OK

json

{
  "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.

Phase 7: Payment Operations

Add beneficiaries and execute transfers

Phase 6: Wallet Operations

Prerequisites

Get Wallet Balance

Balance Fields

Get Allowed Operations

Operation Types

Transaction Limits

High-Risk Individual

Standard Individual

Consent Status

Get Transaction History

Next Step