Systems and methods for digital account activation

A user device associated with a user, comprising:

• a processing circuit comprising at least one processor coupled to at least one memory storing instructions that, when executed by the at least one processor, cause the processing circuit to:
• transmit, to a computing system, an input from the user regarding opening an account at an institution associated with the computing system;
• establish a communication session based on exchanging encryption keys between the user device and the computing system;
• in response to establishing the communication session, automatically install a client application;
• display, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
• transmit, via the communication session, a received user verification to the computing system;
• and
• receive an indication of an activation of the account at the institution from the computing system.

A non-transitory computer-readable media having instructions stored thereon that, when executed by at least one processing circuit, cause operations comprising:

• transmitting, to a computing system, an input from a user regarding opening an account at an institution associated with the computing system;
• establishing a communication session based on exchanging encryption keys between a user device and the computing system;
• in response to establishing the communication session, automatically installing a client application;
• displaying, via the client application, a graphical user interface (GUI) comprising a request for a user verification;
• transmitting, via the communication session, a received user verification to the computing system;
• and
• receiving an indication of an activation of the account at the institution from the computing system.