> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monei.cc/llms.txt
> Use this file to discover all available pages before exploring further.

# User Account

> Managing your Monei user account, profile, and settings

## 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

***

## Account Registration

### Creating an Account

<Steps>
  <Step title="Sign Up">
    Visit [monei.cc/register](https://monei.cc/register)

    **Required information:**

    * Email address
    * Password (minimum 8 characters)
    * Phone number
    * Country of residence
  </Step>

  <Step title="Verify Email">
    Check your inbox for verification email

    * Click verification link
    * Link expires in 24 hours
    * Resend if needed
  </Step>

  <Step title="Complete Profile">
    Add basic information:

    * Full legal name
    * Date of birth
    * Address (optional for Tier 1)
  </Step>
</Steps>

## Account Information

### Get Account Details

<CodeGroup>
  ```javascript Node.js theme={null}
  import MoneiSDK from 'monei-sdk';

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

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

  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);
  ```

  ```python Python theme={null}
  from monei import MoneiClient

  monei = MoneiClient(
      api_key=os.getenv('MONEI_API_KEY')
  )

  # Get current user information
  user = monei.user.get_current_user()

  print(f'User ID: {user.id}')
  print(f'Email: {user.email}')
  print(f'Phone: {user.phone_number}')
  print(f'KYC Tier: {user.kyc_info.current_tier}')
  print(f'Account Status: {user.status}')
  ```

  ```bash cURL theme={null}
  curl https://api.monei.cc/api/v1/user/me \
    -H "x-api-key: YOUR_API_KEY"
  ```
</CodeGroup>

**Response Structure:**

```json theme={null}
{
  "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"
  }
}
```

***

## KYC Verification

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

### KYC Tiers

<Tabs>
  <Tab title="Tier 1 (Basic)">
    **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:** Instant

    **Best For:**

    * Testing and development
    * Small transactions
    * Getting started
  </Tab>

  <Tab title="Tier 2 (Verified)">
    **Requirements:**

    * Tier 1 completed ✓
    * NIN (National ID Number) verification
    * Selfie verification
    * Address proof (optional)

    **Limits:**

    * Single transaction: ₦500,000
    * Daily limit: ₦500,000
    * Monthly limit: ₦5,000,000
    * Crypto allowed: Yes

    **Verification Time:** \~5 minutes

    **Best For:**

    * Regular users
    * Medium-value transactions
    * Business operations
  </Tab>

  <Tab title="Tier 3 (Advanced)">
    **Requirements:**

    * Tier 2 completed ✓
    * BVN (Bank Verification Number)
    * Address verification (utility bill)
    * Government-issued ID

    **Limits:**

    * Single transaction: ₦2,000,000
    * Daily limit: ₦2,000,000
    * Monthly limit: ₦20,000,000
    * Cross-border: Yes (coming soon)

    **Verification Time:** \~24 hours

    **Best For:**

    * High-volume users
    * Businesses
    * Large transactions
  </Tab>
</Tabs>

### Check KYC Limits

<CodeGroup>
  ```javascript Node.js theme={null}
  // Get current limits and usage
  const limits = await monei.user.getDepositLimit();

  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);
  ```

  ```python Python theme={null}
  # Get limits and usage
  limits = monei.user.get_deposit_limit()

  print(f'Current Tier: {limits.tier}')
  print(f'Daily Limit: ₦{limits.daily_limit}')
  print(f'Used Today: ₦{limits.daily_used}')
  print(f'Remaining: ₦{limits.daily_remaining}')
  print(f'Monthly Limit: ₦{limits.monthly_limit}')
  ```
</CodeGroup>

***

## Best Practices

<CardGroup cols={2}>
  <Card title="Verify KYC Early" icon="shield-check">
    Complete KYC verification to unlock higher transaction limits
  </Card>

  <Card title="Enable 2FA" icon="lock">
    Add two-factor authentication for enhanced security
  </Card>

  <Card title="Set Transaction PIN" icon="key">
    Protect withdrawals with a 4-digit PIN
  </Card>

  <Card title="Monitor Sessions" icon="eye">
    Regularly review active sessions and revoke suspicious ones
  </Card>
</CardGroup>

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Wallet Management" icon="wallet" href="/account-management/wallet-management">
    Manage your Monei wallet and subwallets
  </Card>

  <Card title="Security Guidelines" icon="shield" href="/security/guidelines">
    Learn security best practices
  </Card>

  <Card title="Core Concepts" icon="book" href="/core-concepts/wallets">
    Understand wallets and transactions
  </Card>

  <Card title="Support" icon="life-ring" href="/support/support">
    Get help from our support team
  </Card>
</CardGroup>