Account tier
Permissions
Global P2P
Allow UMA lookup and quote creation
Withdrawals
Allow transfer-out to verified payout destinations
Remittance
Allow Lightspark Extend bank/mobile payout quotes
Vendor payouts
Allow B2B quote execution to payout accounts
Card issuing
Blocked until Lightspark card program/API access is enabled
Sandbox funding
Disabled unless ALLOW_SANDBOX_FUNDING=true
Security rules
Two-factor authentication
Require 2FA for transfers above $500
Verified payout destination required
Block payouts until Lightspark creates or verifies the payout route
Velocity checks
Flag rapid successive transactions
Real-time alerts
Push notification for every transaction