Capabilities determine what a Moov account can do. Each capability has specific requirements, depending on risk and compliance standards associated with different account activities. For example, there are more information requirements for a business that wants to charge other accounts than for an individual who simply wants to receive funds.

When you request a capability, we list the information requirements for that capability. Once you submit the required information, we need to verify the data. Because of this, a requested capability may not immediately become active. Note, if an account requests and is approved for send-funds or collect-funds, the wallet capability is automatically enabled as well. For more detailed information on capabilities and capability IDs, read our capabilities guide.