User Capabilities

Depending on your program configuration, users may be enabled for up to real-time account-to-account settlement, account-to-card gross debit eligibility, and unlimited daily card-to-card transfers. The actual capabilities granted to any given user are determined by a multitude of factors including but not limited to the User's KYC status, the User's activity on the platform, your program's setup, and Astra's internal risk assessment.

If a user is downgraded, their capabilities will be reduced to the lowest available tier for each payment type:

• Account-to-Account — max_settlement_speed drops to T+4, the slowest settlement window.

• Account-to-Card (Gross Debit) — is_eligible becomes false, disabling access to instant disbursements.

• Card-to-Card — transfer_count_limit is capped at 1 transfer per day.

You can check the current capabilities for any user at any time via the List Capabilities for a User endpoint.