Customer Level

Individual Customers Only · API v2

Individual customers on the Graded Onboarding (v2) scheme can progress through three distinct tiers. Each level unlocks greater capabilities, has specific data collection requirements, and defines the transaction limits and allowed payment methods.

1. The Three Graded Levels (Tiers)

Each onboarding level has specific data collection and compliance requirements:

🟢 Level 1: Basic Verification (US Residents Only)

Prerequisites & Target: US residents only (residence.country == "US").
Collected Fields: Nationality, Country, and State of residence.
Purpose: Fast-track onboarding. Offers a rapid path to a verified, transacting state without requiring physical documents or SSN/Tax ID upfront.
Key Restrictions & Limits:
- US Residents Only: Submitting a non-US resident for Level 1 is forbidden and returns a 422 error (Error 2316).

🔵 Level 2: Full Individual KYC

Prerequisites & Target: US or Non-US residents.
Collected Fields: Full residential address, Occupation, Purpose of use, Identity document (Base64 front/back), and Tax Identifier (SSN for US, local Tax ID for non-US).
Purpose: Complete standard individual verification.
Key Restrictions & Limits:
- Tax Identifier Rules:
  - US Residents: Must provide a 9-digit ssn. The tax_id field is forbidden for US residents (returns 422).
  - Non-US Residents: Must provide a local tax_id. The ssn field is forbidden for non-US residents (returns 422).
- State Constraints: residence.state subdivision code is required for US residents but forbidden for non-US residents (returns 422).
- Transfers Blocked during Upgrade: When upgrading a verified Level 1 customer to Level 2, transactions are temporarily blocked (transfers_blocked: true) until the Level 2 onboarding is fully reviewed and verified.

🟣 Level 3: Advanced Verification

Prerequisites & Target: Customer must already be verified at Level 2.
Collected Fields: Written reason/justification for limits elevation (reason).
Purpose: Manual case-by-case compliance review to grant higher transaction volume thresholds.
Key Restrictions & Limits:
- Sequential Elevation Only: You cannot request a Level 3 upgrade directly from Level 1 or from unverified states (returns 422, Error 2310).
- Cooldown Period: If a Level 3 upgrade request was recently rejected, subsequent requests are blocked during the compliance cooldown period (returns 409, Error 2313).

2. Limits & Payment Methods by Level

Onboarding tiers dynamically control both the allowed fiat payment methods and the transfer volume limits (for both on-ramp and off-ramp transactions, calculated independently).

Onboarding Level	Per-Transaction	Daily Limit	Monthly Limit	Lifetime Limit	Allowed Payment Methods
Level 1	$2,999	$2,999	$2,999	$2,999	`DEBIT_CARD` only
Level 2	$9,999	$9,999	$299,970	No Ceiling	Any offered method (e.g., ACH, Wire, RTP, Debit)
Level 3	Custom	Custom	Custom	No Ceiling	Any offered method (e.g., ACH, Wire, RTP, Debit)

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Note on Level 3 Custom Limits
Level 3 limits are entirely Custom and configured on a case-by-case basis by Harbor's compliance team based on the customer's financial profile, transaction history, and platform requirements.

2.1 Important Limit Rules & Behaviors

➔ Level 1 "Same Numbers" Rule (Trial Allowance)

For Level 1 customers, the limit of $2,999 is identical across all periods (Per-Transaction, Daily, Monthly, and Lifetime). This functions as a single "trial allowance". Whichever limit is hit first halts further transactions. Since the lifetime limit is also $2,999, a Level 1 customer can only transact up to $2,999 in total before being forced to upgrade to Level 2.

➔ Level 1 Debit Card Restriction

Level 1 customers are strictly restricted to the DEBIT_CARD payment method. Other high-limit methods (like ACH_PULL, WIRE, or RTP) will be omitted from the output of Get Quote and Get Transfer Settings APIs for Level 1 customers.