> For the complete documentation index, see [llms.txt](https://timechain.gitbook.io/neucron/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://timechain.gitbook.io/neucron/core-concepts/compliance-levels.md).

# Compliance Levels

Neucron gates capabilities by verification level. Individuals complete **KYC**; businesses complete **KYB**. Each level unlocks a defined set of features, so you can start building immediately and unlock more as you verify.

## The ladder

| Level       | Verification                              | Unlocks                                                                              |
| ----------- | ----------------------------------------- | ------------------------------------------------------------------------------------ |
| **Level 1** | Basic identity                            | Hold, send, and receive assets. Receiving is capped at **$100** total at this level. |
| **Level 2** | Verified identity / business registration | **Raise invoices**, create payment links, bills, and payouts. Unlimited receiving.   |
| **Level 3** | Enhanced KYC/KYB (documents, UBOs)        | **Fiat ramps:** on-ramp and off-ramp between fiat and digital assets.                |
| **Level 4** | Accredited investor status                | **Investing in securities** (Asset21 security tokens). On the roadmap.               |

```mermaid
flowchart LR
    L1[Level 1<br/>hold, send,<br/>receive up to $100] --> L2[Level 2<br/>invoices, payment links,<br/>bills, payouts]
    L2 --> L3[Level 3<br/>fiat ramps]
    L3 --> L4[Level 4<br/>securities investing<br/>roadmap]
```

## What this means for your integration

* **Onboard first, verify progressively.** A new user or business can hold and receive small amounts at level 1, which keeps activation friction low while staying compliant.
* **Invoicing is a level-2 feature.** If your product raises invoices or payment links for customers, plan the KYB step into your business onboarding flow.
* **Ramps need level 3.** Whitelabelled fiat on/off-ramps are only available to fully verified businesses.
* **Securities are level 4 (roadmap).** Asset21 security-token investing will require accredited-investor verification when it launches.

{% hint style="info" %}
Your users' level requirements depend on your integration path. With [Sign in with Neucron](https://timechain.gitbook.io/neucron/core-concepts/apps-and-whitelabel), end users hold their own Neucron accounts and levels. With [embedded whitelabel wallets](https://timechain.gitbook.io/neucron/core-concepts/apps-and-whitelabel), the **business's** KYB level governs what the app can do, and your own KYC obligations apply to your users.
{% endhint %}