Trust levels and account limits

Your trust level sets four separate account allowances: daily credit, daily debit, monthly credit, and monthly debit. Credit means money entering an application; debit means money leaving its balance. Account allowances are shared across the applications you own.

Each transaction must also satisfy its application's status policy and monthly cap. Fees count toward account limit checks. Verification does not override a restriction or suspension. See Application statuses and transaction limits for the combined rules and troubleshooting guidance.

Default account allowances

These amounts match the backend's trust-level configuration fixture. Administrators can change the deployed configuration; confirm your assigned amounts and applicable currency with MeSomb support. The fixture does not specify a currency or separate country-specific schedules.

The four allowances are independent. For example, Level 2's larger collection allowance does not increase its withdrawal allowance. A tier without an account cap remains subject to application permissions, security checks, available balance, and provider limits. A published debit allowance does not itself enable withdrawals: account verification and debit eligibility are also required.

Daily limits on applications

The current application-status policy has monthly caps, but no separate daily application cap. Each application's transactions still consume the owner's shared daily credit or debit allowance. If one application uses that allowance, another application owned by the same account can be blocked that day.

Trust level is a concept used by MeSomb systems to determine the level of trust and security associated with a user's account. It is based on the user's transaction history, account age, and compliance with regulatory requirements.

At MeSomb we have five trust levels:

Level 0: Unverified (Guest)

This is the initial trust level assigned to all new users with verified email and phone number. Below are the limitations per countries for this level:

Level 1: Basic Verified

This level is assigned to users who have completed their personal account verification process (personal KYC). Below are the limitations per countries for this level:

Level 2: Fully Verified

This level is assigned to users who have completed their business account verification process (business KYC). Below are the limitations per countries for this level:

Level 3: Trusted Partner

This level is manually assigned to users who have demonstrated a high level of trustworthiness and compliance with MeSomb's policies.

Below are the limitations per countries for this level:

Level 4: Super User (Whitelisted)

This level is manually assigned to users who have demonstrated exceptional trustworthiness and compliance with MeSomb's policies. Below are the limitations per countries for this level: