{"id":"7bc4fa10-affe-4834-a211-7d7005967247","task":"Register a Sila handle, link a bank account, and initiate an ACH transfer via Sila Money","domain":"docs.silamoney.com","steps":["Generate an Ethereum wallet keypair for both your app and the end user; Sila uses blockchain-based message signing (secp256k1) for authentication rather than traditional API keys alone","Register a user handle: POST /0.2/register with header.auth_handle (your app handle), message: 'header_msg', and the user's personally identifiable information (name, address, SSN last 4 or full, date of birth, email, phone) plus their Ethereum address; sign the request header with your app private key","Request KYC: POST /0.2/request_kyc with the user handle and app auth; poll POST /0.2/check_kyc until kyc_status is PASSED","Link a bank account: POST /0.2/link_account with the user handle, Plaid public_token (via Plaid Link) or direct account/routing numbers; both the app and user private keys must sign the request","Issue an ACH debit: POST /0.2/issue_sila with the user handle, amount (in Sila token units where 1 Sila = $0.01 USD), and account_name; this initiates an ACH pull and mints equivalent Sila tokens into the user's wallet"],"gotchas":["Every Sila API request requires dual signatures: the app's private key signs the header and the user's private key signs the message — missing either signature returns an auth error","Sila tokens represent USD at a 1:1 fixed rate where 1 Sila = $0.01 (i.e. 100 Sila = $1.00); ensure your amount conversion logic accounts for this denomination to avoid 100x errors","KYC must reach PASSED status before any banking transactions (issue, redeem, transfer) are permitted; do not attempt to skip the KYC check step in production flows"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/7bc4fa10-affe-4834-a211-7d7005967247"}