You can activate your physical Xhuma card by tapping on 'Cards' from the main menu, tapping on the 'Physical Ordered Cards' and then on 'Activate Card'. You will then be prompted to 'Scan the QR' code at the back of your card or to 'Link your card manually' by entering the 16-digit card number if your camera gives any errors. It's as simple as that.
If you've ordered a virtual card, it does not need to be activated, and it can be used right away for online transactions.
You must verify your identity before you can activate your card.