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

# Accounts

> The person or business that holds funds and owns agents.

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).

## Types

| Type       | Description      | Verification path |
| ---------- | ---------------- | ----------------- |
| `person`   | Natural person   | KYC (Persona)     |
| `business` | Corporate entity | KYB (Persona)     |

## Lifecycle

```
created ──▶ pending_verification ──▶ verified ──▶ active
                     │
                     ▼
                 rejected / suspended
```

* **`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)

## KYC/KYB tiers

Accounts have a verification tier (0–3) that gates spending limits. Identity tier is *separate* from [agent KYA tier](/agents/kya-tiers) — an agent's effective limits are `min(agentLimit, parentAccountLimit)`.

| Tier | Label      | Typical verification    | Spending cap (example) |
| ---- | ---------- | ----------------------- | ---------------------- |
| 0    | Registered | Email + name            | \$500/month            |
| 1    | Declared   | Self-declared KYC       | \$5,000/month          |
| 2    | Verified   | Full KYC + doc upload   | \$50,000/month         |
| 3    | Enhanced   | KYC + enterprise review | Custom                 |

Exact caps are set per tenant and can be overridden. See [tier limits](/api-reference) for the programmatic API.

## Create an account

```bash theme={null}
curl -X POST https://sandbox.getsly.ai/v1/accounts \
  -H "Authorization: Bearer pk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "type": "business",
    "name": "Acme Robotics",
    "email": "ops@acme.example",
    "metadata": { "internal_id": "cust_123" }
  }'
```

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.

## Relationships

```
Tenant (you)
  └─ Account
       ├─ Wallets (direct)
       └─ Agents (each has wallets, policies, KYA tier)
              └─ Wallet
```

* 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

## 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.