> ## Documentation Index
> Fetch the complete documentation index at: https://docs.microcrop.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Activate a policy on attested off-platform premium

> Attests that premium for a PENDING policy was received OFF-PLATFORM, and flips it to ACTIVE. This is the NORMAL activation path on the DETERMINATION (Tier 1) service tier, where MicroCrop never collects premium; on DETERMINATION_AND_SETTLEMENT it is the reconciliation fallback for premium that did not arrive through the payment provider. It records an audited PREMIUM transaction marked manual:true, providerVerified:false. Requires the `policy:activate` capability. Refused with 400 if the policy is not PENDING, or if a provider premium payment is still PENDING on it.



## OpenAPI

````yaml /api-reference/openapi.json put /policies/{policyId}/activate
openapi: 3.1.0
info:
  title: MicroCrop Partner API
  version: 1.0.0
  description: >-
    Parametric crop & livestock insurance API for integrating partners. All
    requests authenticate with an organization API key in the `x-api-key`
    header.
servers:
  - url: https://app.microcrop.app/api
    description: Production (Base mainnet)
security:
  - apiKey: []
tags:
  - name: Farmers
  - name: Plots
  - name: Herds
  - name: Policies
  - name: Payments
  - name: Payouts
  - name: Organization
  - name: Determinations
paths:
  /policies/{policyId}/activate:
    put:
      tags:
        - Policies
      summary: Activate a policy on attested off-platform premium
      description: >-
        Attests that premium for a PENDING policy was received OFF-PLATFORM, and
        flips it to ACTIVE. This is the NORMAL activation path on the
        DETERMINATION (Tier 1) service tier, where MicroCrop never collects
        premium; on DETERMINATION_AND_SETTLEMENT it is the reconciliation
        fallback for premium that did not arrive through the payment provider.
        It records an audited PREMIUM transaction marked manual:true,
        providerVerified:false. Requires the `policy:activate` capability.
        Refused with 400 if the policy is not PENDING, or if a provider premium
        payment is still PENDING on it.
      parameters:
        - $ref: '#/components/parameters/policyId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - paymentReference
                - reason
              properties:
                paymentReference:
                  type: string
                  minLength: 3
                  maxLength: 200
                  description: >-
                    Your own evidence that money was received: till number +
                    code, bank reference, receipt id.
                  example: SFH7TQ2K91
                reason:
                  type: string
                  minLength: 10
                  maxLength: 500
                  description: >-
                    Why this is being activated without a provider-verified
                    payment. Recorded for audit.
                  example: Premium collected on the Acme till, reconciled 2026-09-01
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PolicyEnvelope'
        '400':
          $ref: '#/components/responses/BadRequest'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    policyId:
      name: policyId
      in: path
      required: true
      schema:
        type: string
        format: uuid
  schemas:
    PolicyEnvelope:
      type: object
      properties:
        success:
          type: boolean
          example: true
        data:
          $ref: '#/components/schemas/Policy'
    Policy:
      type: object
      properties:
        id:
          type: string
          format: uuid
        policyNumber:
          type: string
        status:
          type: string
          enum:
            - PENDING
            - ACTIVE
            - EXPIRED
            - CANCELLED
        premiumPaid:
          type: boolean
        sumInsured:
          type: number
        premium:
          type: number
        coverageType:
          type: string
        onChainPolicyId:
          type: string
          nullable: true
        daysRemaining:
          type: integer
        payouts:
          type: array
          items:
            type: object
        damageAssessments:
          type: array
          items:
            type: object
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        error:
          type: object
          properties:
            code:
              type: string
              example: INVALID_INPUT
            message:
              type: string
            details: {}
  responses:
    BadRequest:
      description: Validation or business-rule error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    apiKey:
      type: apiKey
      in: header
      name: x-api-key

````