Account Closure

Account closure is a two-step OTP-confirmed process: request an OTP then confirm with it. Accounts with blockers — positive balance, pending transactions, or insufficient funds for the closure fee — cannot be closed until those blockers are resolved.

Step 1: Request an OTP

POST /branches/private/v1/delete-profile-otp

{ "accountId": 1001 }

Pass accountId if a closure fee applies. The API validates eligibility and sends an OTP to the user's registered phone number.

If blockers exist, the API returns 422 with blocker codes:

{
  "errors": [
    {
      "code": "POSITIVE_BALANCE",
      "title": "Account has a positive balance",
      "details": "Transfer or withdraw all funds before closing."
    }
  ]
}

Blocker code	Meaning
`POSITIVE_BALANCE`	Funds remain in the account
`PENDING_TRANSACTIONS`	Transactions are still processing
`INSUFFICIENT_FUNDS_FOR_FEE`	Not enough balance to cover the closure fee

Step 2: Confirm deletion

DELETE /branches/private/v1/delete-profile

{ "otp": "123456" }

Provide the OTP received in step 1. On success the user's profile and all associated accounts are permanently closed. This action cannot be undone.

Important: Always display a clear confirmation dialog before calling step 2. Inform the user that closure is permanent and irreversible.