> For the complete documentation index, see [llms.txt](https://docs.silopay.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.silopay.io/how-silo-works/accounts-and-verification.md). # Accounts & Verification {% hint style="info" %} Silo uses a three-tier account system. Each tier requires a different level of verification and unlocks different capabilities. This page explains how to create an account, what each tier requires, and how to upgrade. {% endhint %} #### **Creating an account** To create a Silo account, connect a wallet on any supported chain and provide an email address or phone number. This creates a Personal tier account with no additional verification required. You can immediately claim a username, set receiver preferences, and start sending and receiving peer-to-peer payments. #### **Tier 1 — Personal** No identity verification required. Sign up with a wallet and an email address or phone number. KYT (transaction screening) is applied to all payments. Personal accounts can send and receive peer-to-peer payments with other Personal and Plus users. They cannot buy from merchants or receive payroll. For full details on limits, fees, and capabilities, see Three-Tier System. #### **Tier 2 — Plus** Requires KYC (Know Your Customer) verification: a government-issued ID and a selfie, submitted through Sumsub. Verification typically completes within minutes. Plus accounts unlock lower fees, higher transaction limits, and the ability to buy from merchants and receive payroll. Everything a Personal account can do, Plus can do too. #### **Tier 3 — Business** Requires KYB (Know Your Business) verification: business registration documents and beneficial ownership information, submitted through Sumsub. Business accounts unlock the lowest fees, the highest limits, and the ability to accept customer payments (Commerce sub-type) or send payroll (Payroll sub-type). The sub-type is selected during onboarding and locked to the account. Businesses that need both can request a review to add a second sub-account. #### **How to upgrade** Upgrades are available from within your Silo account. When you initiate an upgrade, you'll be guided through the verification process for the next tier. Your existing username, receiver preferences, and transaction history carry over. Upgrades take effect as soon as verification is approved. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.silopay.io/how-silo-works/accounts-and-verification.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.