---
title: "Activate multiple bank rails"
method: POST
path: "/api/v1/banks/activate"
tags: ["Banks", "banks"]
---

# Activate multiple bank rails

`POST /api/v1/banks/activate`

Create or upsert Bank rows for multiple rails in one request. Returns a per-rail result so one pending or failed rail does not abort the batch.

## Headers

- `x-api-key` string, nullable

## Request body

- BankActivateRailsRequest — Bulk bank activation request.
  - `rails` BankRail[], required

## Response `200`

Successful Response

- BankActivateRailsResponse — Bulk bank activation response.
  - `results` BankActivateRailResult[], required
    - `rail` 'uaefts_named-zand' | 'ach_pooled-hsbc' | 'ach_pooled-citi' | 'ach_named-citi' | 'ach_named-jpmorgan_chase' | 'ach_named-cfsb' | 'fedwire_pooled-hsbc' | 'fedwire_pooled-jpmorgan_chase' | 'fedwire_pooled-cfsb' | 'fedwire_named-hsbc' | 'fedwire_named-citi' | 'fedwire_named-jpmorgan_chase' | 'fedwire_named-cfsb' | 'sepa_pooled-zen' | 'sepa_named-zen' | 'sepa_named-banking_circle_dm' | 'pix_pooled-stark_bank' | 'spei_pooled-nvio_pagos' | 'pse_pooled-slx' | 'transfers_3_0_pooled-swipelux' | 'swift_named-zand' | 'swift_named-zenus' | 'ukfps_named-banking_circle' | 'swift_pooled-hsbc' | 'swift_named-hsbc' | 'ach_named-lead_bank' | 'swift_named-lead_bank' | 'wire_named' | 'swift_named-conduit' | 'sepa_pooled-due' | 'sepa_named-due' | 'ukfps_named-due' | 'uaefts_named-due' | 'ach_named-due' | 'fedwire_named-due' | 'swift_named-due' | 'pix_named-due' | 'spei_named-due', required — Client-visible bank transfer route; provider identity lives separately.
    - `ok` boolean, required
    - `bank` BankResponse — Bank row as returned to clients. Merges static rail metadata (from BANK_INFO) with per-user state. For rails the user hasn't activated yet, ``id`` / ``external_account_id`` / ``created_at`` are ``None`` and ``status`` is ``not_started``.
      - `rail` 'uaefts_named-zand' | 'ach_pooled-hsbc' | 'ach_pooled-citi' | 'ach_named-citi' | 'ach_named-jpmorgan_chase' | 'ach_named-cfsb' | 'fedwire_pooled-hsbc' | 'fedwire_pooled-jpmorgan_chase' | 'fedwire_pooled-cfsb' | 'fedwire_named-hsbc' | 'fedwire_named-citi' | 'fedwire_named-jpmorgan_chase' | 'fedwire_named-cfsb' | 'sepa_pooled-zen' | 'sepa_named-zen' | 'sepa_named-banking_circle_dm' | 'pix_pooled-stark_bank' | 'spei_pooled-nvio_pagos' | 'pse_pooled-slx' | 'transfers_3_0_pooled-swipelux' | 'swift_named-zand' | 'swift_named-zenus' | 'ukfps_named-banking_circle' | 'swift_pooled-hsbc' | 'swift_named-hsbc' | 'ach_named-lead_bank' | 'swift_named-lead_bank' | 'wire_named' | 'swift_named-conduit' | 'sepa_pooled-due' | 'sepa_named-due' | 'ukfps_named-due' | 'uaefts_named-due' | 'ach_named-due' | 'fedwire_named-due' | 'swift_named-due' | 'pix_named-due' | 'spei_named-due', required — Client-visible bank transfer route; provider identity lives separately.
      - `bankName` string, required
      - `country` string, required
      - `currency` string, required
      - `type` 'sepa' | 'swift' | 'ach' | 'uaefts' | 'fedwire' | 'rtp' | 'fednow' | 'pix' | 'spei' | 'pse' | 'transfers_3_0' | 'ukfps', required — Canonical fiat payment rail used for ``account_type`` discrimination, bank-rail methods, and contact/transaction type alignment.
      - `method` 'sepa' | 'swift' | 'ach' | 'uaefts' | 'fedwire' | 'rtp' | 'fednow' | 'pix' | 'spei' | 'pse' | 'transfers_3_0' | 'ukfps', required — Canonical fiat payment rail used for ``account_type`` discrimination, bank-rail methods, and contact/transaction type alignment.
      - `methods` FiatPaymentType[], required
      - `pooled` boolean, required
      - `compliance` integer, required
      - `bankIcon` string, required
      - `depositFee` number, required
      - `feeBps` string, required
      - `timeToOpen` '<1 day' | '1-2 days' | '2-3 days' | '5-7 days', required — Expected wait time before a bank rail becomes usable.
      - `status` 'not_started' | 'requested' | 'document_requested' | 'approved' | 'pending_kyc' | 'pending' | 'active' | 'paused' | 'hidden' | 'frozen' | 'closed' | 'rejected', required — IBAN account status. State machine: ``not_started`` → ``requested`` → ``document_requested`` → ``approved`` → ``pending`` → ``active`` - ``not_started`` — default for every rail until the user opts in. - ``requested`` — user asked for this rail via /pre-approve; awaiting KYC. - ``document_requested``— admin asked the user for more documents (KYB). - ``approved`` — KYB passed, account ready to be created at provider. - ``pending_kyc`` — provider rejected creation until KYC is approved. - ``pending`` — provider accepted/created the account, waiting. - ``active`` — real bank details are attached to the row. - ``frozen`` / ``closed``— terminal/blocked states.
      - `accountHolderBusinessName` string, nullable
      - `accountHolderFirstName` string, nullable
      - `accountHolderLastName` string, nullable
      - `ibanData` union
        - IBANAccountDetailsOutput — IBAN (SEPA) external account.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'sepa' | 'uaefts'
          - `ibanNumber` string, nullable
          - `bic` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
        - USExternalAccountDetailsOutput — US domestic (ACH) external account.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'ach' | 'fedwire'
          - `us` USAccountDetails, required — US domestic account details (ACH).
            - `accountNumber` string, nullable
            - `routingNumber` string, nullable
            - `bic` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
        - SwiftAccountDetailsOutput — SWIFT (international wire) external account.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'swift'
          - `swift` SwiftDetails, required — SWIFT (international wire) account details.
            - `accountNumber` string, nullable
            - `routingNumber` string, nullable
            - `bic` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
        - PixAccountDetailsOutput — Brazil PIX external account.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'pix'
          - `pix` PixDetails, required — Brazil PIX account details.
            - `pixKey` string, nullable
            - `accountNumber` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
        - LocalRailAccountDetailsOutput — Local payment rail account details.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'spei' | 'pse' | 'transfers_3_0' | 'ukfps', required
          - `local` LocalRailDetails, required — Local payment rail account details for Swipelux regional accounts.
            - `accountNumber` string, nullable
            - `routingNumber` string, nullable
            - `paymentReference` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
        - ProviderUsdAccountDetailsOutput — One the banking provider USD account whose US details also carry its SWIFT BIC.
          - `bankName` string, required
          - `bankAddress` BankAddressDetails — The beneficiary bank's own address, kept apart from the holder's. Read/storage shape: only the street is guaranteed, because rows saved before this was structured hold a single free-text line that validates into ``address_line1`` alone. New input goes through BankAddressInput, which requires everything the banking provider does.
            - `addressLine1` string, required
            - `city` string, nullable
            - `state` string, nullable
            - `postalCode` string, nullable
            - `country` string, nullable
          - `currency` string, nullable
          - `accountHolderType` 'individual' | 'business', required — Account holder type.
          - `accountHolderFirstName` string, nullable
          - `accountHolderLastName` string, nullable
          - `accountHolderBusinessName` string, nullable
          - `accountHolderAddress` UserAddress — Address schema for user. Canonical field names: street_address, address_line_2, city, state, country, zip. Accepts legacy Align/IBAN field names (street_line_1, street_line_2, postal_code) for backward compatibility with existing JSONB data.
            - `streetAddress` string, nullable
            - `addressLine2` string, nullable
            - `city` string, nullable
            - `state` string, nullable
            - `country` 'AF' | 'AX' | 'AL' | 'DZ' | 'AS' | 'AD' | 'AO' | 'AI' | 'AQ' | 'AG' | 'AR' | 'AM' | 'AW' | 'AU' | 'AT' | 'AZ' | 'BS' | 'BH' | 'BD' | 'BB' | 'BY' | 'BE' | 'BZ' | 'BJ' | 'BM' | 'BT' | 'BO' | 'BQ' | 'BA' | 'BW' | 'BV' | 'BR' | 'IO' | 'BN' | 'BG' | 'BF' | 'BI' | 'CV' | 'KH' | 'CM' | 'CA' | 'KY' | 'CF' | 'TD' | 'CL' | 'CN' | 'CX' | 'CC' | 'CO' | 'KM' | 'CG' | 'CD' | 'CK' | 'CR' | 'CI' | 'HR' | 'CU' | 'CW' | 'CY' | 'CZ' | 'DK' | 'DJ' | 'DM' | 'DO' | 'EC' | 'EG' | 'SV' | 'GQ' | 'ER' | 'EE' | 'SZ' | 'ET' | 'FK' | 'FO' | 'FJ' | 'FI' | 'FR' | 'GF' | 'PF' | 'TF' | 'GA' | 'GM' | 'GE' | 'DE' | 'GH' | 'GI' | 'GR' | 'GL' | 'GD' | 'GP' | 'GU' | 'GT' | 'GG' | 'GN' | 'GW' | 'GY' | 'HT' | 'HM' | 'VA' | 'HN' | 'HK' | 'HU' | 'IS' | 'IN' | 'ID' | 'IR' | 'IQ' | 'IE' | 'IM' | 'IL' | 'IT' | 'JM' | 'JP' | 'JE' | 'JO' | 'KZ' | 'KE' | 'KI' | 'KP' | 'KR' | 'KW' | 'KG' | 'LA' | 'LV' | 'LB' | 'LS' | 'LR' | 'LY' | 'LI' | 'LT' | 'LU' | 'MO' | 'MG' | 'MW' | 'MY' | 'MV' | 'ML' | 'MT' | 'MH' | 'MQ' | 'MR' | 'MU' | 'YT' | 'MX' | 'FM' | 'MD' | 'MC' | 'MN' | 'ME' | 'MS' | 'MA' | 'MZ' | 'MM' | 'NA' | 'NR' | 'NP' | 'NL' | 'NC' | 'NZ' | 'NI' | 'NE' | 'NG' | 'NU' | 'NF' | 'MK' | 'MP' | 'NO' | 'OM' | 'PK' | 'PW' | 'PS' | 'PA' | 'PG' | 'PY' | 'PE' | 'PH' | 'PN' | 'PL' | 'PT' | 'PR' | 'QA' | 'RE' | 'RO' | 'RU' | 'RW' | 'BL' | 'SH' | 'KN' | 'LC' | 'MF' | 'PM' | 'VC' | 'WS' | 'SM' | 'ST' | 'SA' | 'SN' | 'RS' | 'SC' | 'SL' | 'SG' | 'SX' | 'SK' | 'SI' | 'SB' | 'SO' | 'ZA' | 'GS' | 'SS' | 'ES' | 'LK' | 'SD' | 'SR' | 'SJ' | 'SE' | 'CH' | 'SY' | 'TW' | 'TJ' | 'TZ' | 'TH' | 'TL' | 'TG' | 'TK' | 'TO' | 'TT' | 'TN' | 'TR' | 'TM' | 'TC' | 'TV' | 'UG' | 'UA' | 'AE' | 'GB' | 'US' | 'UM' | 'UY' | 'UZ' | 'VU' | 'VE' | 'VN' | 'VG' | 'VI' | 'WF' | 'EH' | 'YE' | 'ZM' | 'ZW' — ISO 3166-1 alpha-2 country codes.
            - `zip` string, nullable
          - `relationship` 'employee' | 'contractor' | 'vendor' | 'subsidiary' | 'merchant' | 'customer' | 'landlord' | 'family' | 'other' | 'self' — How a payout contact relates to the user. The vocabulary mirrors Swipelux's recipient relationships so the common values project onto their API unchanged, but this is our own domain type: ``SELF`` marks a first-party payout to the user's own account at another bank and has no Swipelux counterpart. Providers own that projection — see ``SwipeluxRecipients._recipient_relationship`` — so nothing here depends on a provider, and no provider enum has to carry a value it cannot accept.
          - `businessIndustry` string, nullable — 6-digit NAICS 2022 industry code for business recipients. Required by Swipelux before US ACH payout destinations of business recipients can be activated; ignored for individual recipients.
          - `paymentReference` string, nullable
          - `accountType` 'conduit'
          - `us` USAccountDetails — US domestic account details (ACH).
            - `accountNumber` string, nullable
            - `routingNumber` string, nullable
            - `bic` string, nullable
          - `beneficiaryName` string, nullable, required — Frontend-only alias derived from account holder fields.
      - `features` BankFeatures
        - `1pt_payin` 'enabled' | 'disabled' | 'on_request'
        - `3pt_payin` 'enabled' | 'disabled' | 'on_request'
        - `1pt_payout` 'enabled' | 'disabled' | 'on_request'
        - `3pt_payout` 'enabled' | 'disabled' | 'on_request'
      - `capabilities` BankCapabilities, required — Payout capabilities of a bank rail, derived from static configuration.
        - `memoSupported` boolean, required
        - `minAmount` number, required
        - `memoLengthLimit` integer, nullable
        - `rails` PayoutRailDetails[], required
          - `method` string, required
          - `name` string, required
          - `fixedFee` number, nullable
          - `minAmount` number, required
          - `memoLengthLimit` integer, nullable
          - `amountToSupported` boolean
          - `sourceTokens` PayoutSourceToken[]
        - `supportedTokens` DepositToken[]
      - `depositToken` 'USDC' | 'EURC' — Stablecoin a virtual account delivers on-chain for a fiat deposit. USDC everywhere; EURC only where a live account can be re-pointed at it.
      - `id` string, uuid, nullable
      - `externalAccountId` string, nullable
      - `psp` string, nullable
      - `createdAt` string, date-time, nullable
    - `error` BankActivateRailError — Per-rail bulk activation error.
      - `statusCode` integer, required
      - `message` string, required
      - `detail` unknown

## Other responses

- `422` — Validation Error

## Changes

- **2026-08-27** `7ed1b58c5607` — 10 breaking, 66 warning, 44 info
  - the response property `results/items/bank/anyOf[subschema #1: BankResponse]/ibanData/anyOf[subschema #1: IBANAccountDetails]/ibanNumber` became optional for the status `200`
  - the response property `results/items/bank/anyOf[subschema #1: BankResponse]/ibanData/anyOf[subschema #2: USExternalAccountDetails]/us/accountNumber` became optional for the status `200`
  - the response property `results/items/bank/anyOf[subschema #1: BankResponse]/ibanData/anyOf[subschema #2: USExternalAccountDetails]/us/routingNumber` became optional for the status `200`
  - the response property `results/items/bank/anyOf[subschema #1: BankResponse]/ibanData/anyOf[subschema #3: SwiftAccountDetails]/swift/accountNumber` became optional for the status `200`
  - …116 more

[Change history](https://skmtc.dev/hevn-inc/apis/hevn-api/changes/api/v1/banks/activate/post.md)

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[API](https://skmtc.dev/hevn-inc/apis/hevn-api.md) · [All operations](https://skmtc.dev/hevn-inc/apis/hevn-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/hevn-inc/hevn-api/revisions/7ed1b58c5607/schema)