1. Guides
2. Moov accounts
3. Capabilities

Capabilities move through a lifecycle from pending to enabled. Each capability has requirements that must be fulfilled before it can be enabled. These include account profile data, identity verification, and underwriting.

Request capabilities

You can request capabilities when creating an account or at any point after. The capabilities reference lists all available capabilities and their use cases.

Request via API

The following examples demonstrate how to request capabilities after an account has been created.

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curl -X POST "https://api.moov.io/accounts/{accountID}/capabilities" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
  --data-raw '{
    "capabilities": [
      "transfers", 
      "send-funds.ach", 
      "collect-funds.ach", 
      "wallet.balance"
    ]
  }'\

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mc, _ := moov.NewClient()

var accountID string

mc.RequestCapabilities(ctx, accountID,
  []moov.CapabilityName{
    moov.CapabilityName_Transfers,
    moov.CapabilityName_SendFundsACH,
    moov.CapabilityName_CollectFundsACH,
    moov.Capability_NameWalletBalance,
  },
)

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const moov = Moov(token);

const accountID = "accountID";
const capabilities = [
  "send-funds.ach", 
  "collect-funds.ach"
];

moov.accounts.capabilities.request({accountID, capabilities});

Requirements

After requesting a capability, Moov determines what requirements must be fulfilled based on the capability type and whether the account is an individual or business.

Requirements fall into two categories:

• Verification: Confirms the account holder's identity. This includes basic account data (name, address, tax ID) and may require document uploads. See the identity verification guide.
• Underwriting: Assesses the account's risk profile and expected transaction volume. Required for most payment capabilities. See the underwriting guide.

The transfers capability is automatically enabled with no additional requirements. The wallet.balance capability only requires verification.

Capability lifecycle

Each capability moves through statuses based on whether its requirements have been fulfilled and verified.

Manage capabilities

Track the status of each capability and its requirements with the capabilities API or Dashboard.

Get capability details

Use the capabilities GET endpoint to retrieve capabilities for an account.

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{
  "capability": "collect-funds.ach",
  "accountID": "670356c4-bd3c-414b-9709-c4dc84752902",
  "status": "pending",
  "requirements": {
    "currentlyDue": [
      "document.business.verification"
    ],
    "errors": [
      {
        "requirement": "business.legalname",
        "errorCode": "failed-automatic-verification"
      }
    ]
  },
  "createdOn": "2025-05-13T19:46:53Z",
  "updatedOn": "2025-05-13T19:50:58Z"
}

Webhooks

Set up a capability.updated webhook to listen for capability status changes. Webhooks enable real-time UI updates or automated handling, such as prompting users to provide missing information.

The Dashboard also displays notices when an account has outstanding requirements.