URL: /baas/api/reference/financial-operations

---
title: 'Financial Operations'
description: 'Post-activation APIs for balances, beneficiaries, consents, and transfers'
---

# Financial Operations

Complete API reference for post-activation financial operations including wallet management, beneficiaries, transfers, and payments.

<Info>
  **Base URL:** `https://sandbox.finhub.cloud/api/v2.1/fintrans`
</Info>

<Note>
  For complete details on authentication and headers, refer to the [Standard HTTP Headers](../schemas/standard-headers) reference documentation.
</Note>

---

## Prerequisites

Before accessing financial operations:
- [ ] Customer account **ACTIVATED** (individual or organization)
- [ ] Wallet status = **ACTIVE**
- [ ] Valid JWT token from session
- [ ] Sufficient wallet balance (for outgoing transfers)

<Warning>
  **Activation Required:** All financial operations require account activation. Attempting to access before activation returns 404 or 422 errors.
</Warning>

---

## Core journey (happy path)

| Step | API | Purpose |
|------|-----|---------|
| 1 | `GET /fintrans/{accountId}/balance` | Confirm available funds |
| 2 | `POST /fintrans/{accountId}/beneficiaries` | Register a recipient |
| 3 | `POST /fintrans/{accountId}/payment-consents/types/{operationType}` | Create authorization (if required) |
| 4 | `POST /fintrans/{accountId}/types/{operationType}/prepare` | Validate and reserve funds |
| 5 | `POST /fintrans/{accountId}/types/{operationType}/execute` | Execute the prepared operation |
| 6 | `GET /fintrans/{accountId}/orders/{orderId}` | Monitor status |

---

## Endpoints

### Beneficiaries

<CardGroup cols={2}>
  <Card title="Add beneficiary (account)" href="/baas/api/reference/financial-operations/create-beneficiary">
    `POST /api/v2.1/fintrans/{accountId}/beneficiaries`
  </Card>
  <Card title="Get beneficiaries for wallet" href="/baas/api/reference/financial-operations/get-beneficiaries-for-wallet">
    `POST /api/v2.1/wallets/{walletId}/beneficiaries`
  </Card>
</CardGroup>

### Account information

<CardGroup cols={2}>
  <Card title="Get wallets by customer" href="/baas/api/reference/financial-operations/get-wallets-by-customer">
    `GET /api/v2.1/wallets/customer/{customerId}`
  </Card>
</CardGroup>

### Payment consents

<CardGroup cols={2}>
  <Card title="Create payment consent" href="/baas/api/reference/financial-operations/create-payment-consent">
    `POST /api/v2.1/fintrans/{accountId}/payment-consents/types/{operationType}`
  </Card>
</CardGroup>

### Prepare / execute

<CardGroup cols={2}>
  <Card title="Prepare financial operation" href="/baas/api/reference/financial-operations/prepare-financial-operation">
    `POST /api/v2.1/fintrans/{accountId}/types/{operationType}/prepare`
  </Card>
  <Card title="Execute prepared operation" href="/baas/api/reference/financial-operations/execute-prepared-operation">
    `POST /api/v2.1/fintrans/{accountId}/types/{operationType}/execute`
  </Card>
  <Card title="Approve verification" href="/baas/api/reference/verification-compliance/approve-verification">
    `POST /api/v2.1/verifications/{verificationId}/approve`
  </Card>
</CardGroup>