URL: /baas/api/integration/flows/individual-customer/wallet-operations

---
title: 'Phase 6: Wallet Operations'
description: '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

<Tabs>
  <Tab title="Request">
    **Endpoint:** `GET /api/v2.1/fintrans/{accountId}/balance`

    **Path Parameters:**
    - `accountId`: Wallet ID from activation response

    **Headers:**
    ```http
    Authorization: Bearer {jwt-token}
    ```
  </Tab>
  <Tab title="Response">
    **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"
          }
        ]
      }
    }
    ```
  </Tab>
</Tabs>

### 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 |

<Info>
  **Balance Format:** Balances are returned in minor units (cents). Divide by 100 for the actual amount. Example: `500000` = €5000.00
</Info>

---

## Get Allowed Operations

<Tabs>
  <Tab title="Request">
    **Endpoint:** `GET /api/v2.1/fintrans/{accountId}/allowed-operations`

    **Query Parameters:**
    - `includeBeneficiaries`: true/false
    - `includeConsents`: true/false

    **Headers:**
    ```http
    Authorization: Bearer {jwt-token}
    ```
  </Tab>
  <Tab title="Response">
    **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"
          }
        ]
      }
    }
    ```
  </Tab>
</Tabs>

---

## 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 |

<Warning>
  Limits are enforced at transaction time. Exceeding limits will result in transaction rejection.
</Warning>

---

## Consent Status

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

<Tabs>
  <Tab title="Request">
    **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}
    ```
  </Tab>
  <Tab title="Response">
    **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
      }
    }
    ```
  </Tab>
</Tabs>

---

## Next Step

Proceed to **Phase 7: Payment Operations** to add beneficiaries and execute transfers.

<Card title="Phase 7: Payment Operations" icon="arrow-right" href="/baas/api/integration/flows/individual-customer/payment-operations">
  Add beneficiaries and execute transfers
</Card>