> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> The identity and account layer underneath onramp and offramp — user creation, KYC, bank account linkage, wallet operations, user-level limits, and enhanced due diligence.

Before any onramp or offramp transaction can be initiated, a user needs to exist in Saber's system and clear a few prerequisite steps. User Operations covers that entire identity and account layer.

## Prerequisites

<Steps>
  <Step title="User Creation">
    Every flow starts by creating a user record in Saber's system. This gives you a `user_id` that every subsequent action — KYC, bank linkage, transactions — is tied to, letting you map Saber users back to your own internal user records. See [User Creation](/user/registration).
  </Step>

  <Step title="KYC">
    Users must complete KYC before transacting. Depending on the corridor, this happens through a hosted widget, KYC Sharing (if you've already collected KYC yourself), or a KYC Partner URL. See [User KYC](/user/kyc/overview).
  </Step>

  <Step title="Bank Account Linkage">
    Users need a linked, approved bank account before offramp payouts can go out, or before certain onramp payment methods (like USD's ACH pull) can be used. Depending on the currency, this happens through a direct API call or a hosted widget. See [Bank Account](/user/bank-account/overview).
  </Step>
</Steps>

## Ongoing capabilities

Alongside these prerequisites, two things apply continuously to a user's account rather than as a one-time setup step:

<CardGroup cols={2}>
  <Card title="Wallet Operations" icon="wallet">
    Each user has a wallet within Saber's system that holds their crypto balance. Wallet operations cover checking balance and, where applicable, depositing or withdrawing from that wallet.
  </Card>

  <Card title="User Limits and EDD" icon="gauge" href="/user/limits-edd" cta="View guide" arrow="true">
    Every user has a transaction limit. Once reached, no further transactions can be created until Enhanced Due Diligence (EDD) is completed to raise it — either through a hosted EDD widget or a Partner URL flow, depending on the corridor.
  </Card>
</CardGroup>

## Related pages

<CardGroup cols={2}>
  <Card title="User KYC" icon="id-card" href="/user/kyc/overview" cta="View guide" arrow="true" />

  <Card title="Bank Account" icon="building-columns" href="/user/bank-account/overview" cta="View guide" arrow="true" />

  <Card title="User Limits and EDD" icon="gauge" href="/user/limits-edd" cta="View guide" arrow="true" />
</CardGroup>


## Related topics

- [Overview](/offramp/overview.md)