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Overview

Your Monei user account is the foundation of your interaction with the platform. This guide covers account creation, profile management, KYC verification, and security settings. What you’ll learn:
  • Account registration and setup
  • Profile management
  • KYC verification tiers
  • Security settings
  • Account limits and upgrades

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Account Registration

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Creating an Account

1

Sign Up

Visit monei.cc/registerRequired information:
  • Email address
  • Password (minimum 8 characters)
  • Phone number
  • Country of residence
2

Verify Email

Check your inbox for verification email
  • Click verification link
  • Link expires in 24 hours
  • Resend if needed
3

Complete Profile

Add basic information:
  • Full legal name
  • Date of birth
  • Address (optional for Tier 1)

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Account Information

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Get Account Details

import MoneiSDK from 'monei-sdk';

const monei = new MoneiSDK({
  apiKey: process.env.MONEI_API_KEY,
});

// Get current user information
const user = await monei.user.me();

console.log('User ID:', user.id);
console.log('Email:', user.email);
console.log('Phone:', user.phoneNumber);
console.log('KYC Tier:', user.kycInfo.currentTier);
console.log('Account Status:', user.status);
console.log('Created:', user.createdAt);
Response Structure: 
{
  "statusCode": 200,
  "message": "User retrieved successfully",
  "data": {
    "id": "uuid-here",
    "email": "user@example.com",
    "phoneNumber": "+2348012345678",
    "firstName": "John",
    "lastName": "Doe",
    "dateOfBirth": "1990-01-01",
    "status": "active",
    "kycInfo": {
      "currentTier": "tier_1",
      "verified": true,
      "limits": {
        "dailyTransactionLimit": 200000,
        "monthlyTransactionLimit": 2000000,
        "cryptoAllowed": true
      }
    },
    "createdAt": "2024-01-01T00:00:00Z",
    "updatedAt": "2024-02-14T10:30:00Z"
  }
}

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KYC Verification

Monei uses a tiered KYC system to ensure compliance and security.

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KYC Tiers

Requirements:
  • Email verification ✓
  • Phone number verification ✓
  • Basic profile information
Limits:
  • Single transaction: ₦200,000
  • Daily limit: ₦200,000
  • Monthly limit: ₦2,000,000
  • Crypto allowed: Yes
Verification Time: InstantBest For:
  • Testing and development
  • Small transactions
  • Getting started

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Check KYC Limits

// Get current limits and usage
const limits = await monei.user.getKycLimits();

console.log('Current Tier:', limits.tier);
console.log('Daily Limit:', limits.dailyLimit);
console.log('Used Today:', limits.dailyUsed);
console.log('Remaining Today:', limits.dailyRemaining);
console.log('Monthly Limit:', limits.monthlyLimit);
console.log('Used This Month:', limits.monthlyUsed);

// Check if transaction is within limits
const canTransact = limits.dailyRemaining >= 100000;
console.log('Can transact ₦100,000:', canTransact);

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Best Practices

Verify KYC Early

Complete KYC verification to unlock higher transaction limits

Enable 2FA

Add two-factor authentication for enhanced security

Set Transaction PIN

Protect withdrawals with a 4-digit PIN

Monitor Sessions

Regularly review active sessions and revoke suspicious ones

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Next Steps

Wallet Management

Manage your Monei wallet and subwallets

Security Guidelines

Learn security best practices

Core Concepts

Understand wallets and transactions

Support

Get help from our support team