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An account is the entity that holds funds in your system — a person or a business. Every agent is attached to an account; every wallet belongs to an account (either directly, or indirectly through an agent).

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Types

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Lifecycle

  • created — account record exists, no verification yet
  • pending_verification — KYC/KYB in flight
  • verified — identity documents approved
  • active — can transact
  • suspended — flagged (sanctions hit, compliance review, self-requested freeze)

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KYC/KYB tiers

Accounts have a verification tier (0–3) that gates spending limits. Identity tier is separate from agent KYA tier — an agent’s effective limits are min(agentLimit, parentAccountLimit). Exact caps are set per tenant and can be overridden. See tier limits for the programmatic API.

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Create an account

Accounts start at tier 0. You trigger verification by calling POST /v1/accounts/:id/verify (which kicks off a Persona flow) or by providing documents through the dashboard.

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Relationships

  • One tenant has many accounts
  • One account has many wallets, many agents
  • One agent belongs to exactly one account (parent_account_id)
  • An agent’s effective spending tier is the minimum of its own KYA tier and its parent account’s KYC/KYB tier

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Metadata

Every account accepts a free-form metadata object (up to 4KB). Use it to stash your internal customer ID, CRM link, or any tag you need to correlate. Sly never interprets metadata — it round-trips with the record.