# Get USD access

Before your organization can use ACH and wires, it must be verified. Until then,
its accounts can hold and send stablecoins only.

## Start verification

To start verification from the console:

1. Open **Settings**, then **General**.
2. Under **Verification**, click **Verify** on the **Account verification**
   card.
3. Choose **Verify business** or **Verify individual**.

The console also opens verification when someone tries an action that needs it
(from an account's page, **Send**, **Deposit**, or **Counterparties**). Once
you've started, the button will read **Resume verification**.

## Business

An admin completes a business application on the organization's behalf. The
application covers the following:

- **Business details:** Details about the business and its activity.
- **Control and ownership:** The people who control and own the business. Each
  person who controls the business or owns 25% or more of it must verify their
  identity.
- **Documents:** We'll ask for documents when your answers call for them.

Review can take one to two days.

## Individual

For individuals with only a single user, verification can be completed with just
a legal name, address, and identification.

## Verification status

**Settings** shows your organization's verification status. Below are the
statuses that verification may go through:

| Status       | Description                                                                 |
| ------------ | --------------------------------------------------------------------------- |
| Not started  | Nobody has started verification yet.                                        |
| In progress  | An admin has started verification and hasn't submitted it.                  |
| In review    | Catena is reviewing the submission.                                         |
| Following up | Catena needs more information from you.                                     |
| Verified     | Your organization is verified, and ACH and wires are available.             |
| Declined     | Your organization could not be verified. Please contact support@catena.com. |

We email the result. If your organization is declined, it cannot start
verification again from the console.

## After verification

Once your organization is verified, you can:

- Add bank rails to [counterparties](https://docs.catena.com/counterparties.md).
- Pay bank accounts by ACH and wires, as described in
  [Send wires and ACH](https://docs.catena.com/wires-and-ach.md).
- Turn on bank deposits for an account. See
  [Receive USD](https://docs.catena.com/on-and-off-ramps.md#receive-usd).

If an agent sends by ACH or wires before your organization is verified, the send
will fail with `kyb_verification_required`.

## Related

- [Send wires and ACH](https://docs.catena.com/wires-and-ach.md): Pay US bank accounts by ACH or wires, with the bank details, fees, timing, memos, and statuses for each.
- [On- and off-ramp stablecoins](https://docs.catena.com/on-and-off-ramps.md): Receive USD by bank transfer as USDC, and pay bank accounts in USD from your account's USDC.
- [Team and roles](https://docs.catena.com/team.md): The three roles in a Catena organization, what each one can do, and how operators and admins divide the work.
- [Create and fund accounts](https://docs.catena.com/accounts.md): Open an account, fund it with stablecoins or a bank transfer, read its balances, and send or transfer from it in live and sandbox organizations.