onboarding_incomplete
HTTP 409§9.10 Agreements
POST /v1/onboarding/activate was called before the compliance screening admitted the applicant or before the plan step was saved. The wizard's earlier steps are the gate the retired sandbox fee used to be (ADR-0021); finish them and activate again.
Problem shape
Every non-2xx response is an RFC 9457 application/problem+json body. The type URI below is stable and machine-matchable, so branch on the final path segment (the code) and treat the status as redundant confirmation. See the error-handling guide.
{
"type": "https://docs.vocapable.com/errors/onboarding_incomplete",
"title": "…",
"status": 409,
"detail": "…",
"instance": "/v1/…"
}