# Sila API Docs | Sila Banking and Payments API Documentation > Sila Banking & Payments API powers ACH transfers, bank account linking, KYC, KYB, and digital wallets. ## Guides - [Introduction](https://docs.silamoney.com/docs/get-started.md): The Sila API allows you to verify identities, link bank accounts, perform ACH Debit and ACH Credit transactions. You can also store and move money using digital wallets. - [Getting Started](https://docs.silamoney.com/docs/getting-started.md) - [Funds Flow Examples](https://docs.silamoney.com/docs/funds-flow-ex.md) - [Register Your Application](https://docs.silamoney.com/docs/registering-an-app.md): Create Sandbox and Production apps in the Sila console. - [Customer Application Demo](https://docs.silamoney.com/docs/customer-application-demo.md) - [Demo Checklist](https://docs.silamoney.com/docs/demo-checklist.md) - [Endpoint Specific Requirements](https://docs.silamoney.com/docs/requirements-customer-application-demo.md) - [Agreement and Disclosures Requirements (DDA)](https://docs.silamoney.com/docs/agreement_and_disclosures_requirements.md) - [Info Management & Security Recommendations](https://docs.silamoney.com/docs/infosec-recs.md) - [Sandbox Vs. Production Request URL's](https://docs.silamoney.com/docs/production-access.md) - [Alphabetical List of Sila Endpoints](https://docs.silamoney.com/docs/alphabetical-list-of-sila-endpoints.md) - [Authentication Methods](https://docs.silamoney.com/docs/authentication-methods.md): Overview of Sila's two authentication methods - [JWT Token Overview](https://docs.silamoney.com/docs/auth-token-overview.md) - [/auth_token](https://docs.silamoney.com/docs/auth_token.md): Request or invalidate an Auth token - [ECDSA Overview and Examples](https://docs.silamoney.com/docs/ecdsa-overview.md) - [ECDSA Sample Input/Outputs](https://docs.silamoney.com/docs/ecdsa-samples.md) - [Implementing Digital Signatures](https://docs.silamoney.com/docs/implementing-digital-signatures.md) - [Generating and Managing User Private Keys](https://docs.silamoney.com/docs/generating-and-managing-user-private-keys.md) - [Migrating from ECDSA to JWT](https://docs.silamoney.com/docs/migrating-from-ecdsa-to-jwt-auth-token.md): A guide for existing customers that want to migrate from ECDSA to JWT Auth Token authentication. - [Priority Integration](https://docs.silamoney.com/docs/priority-integration.md): An implementation guide for Priority customers. - [Entities (Individual or Business)](https://docs.silamoney.com/docs/entities.md) - [/get_entity](https://docs.silamoney.com/docs/get_entity.md): Gets identifying information about a registered entity. - [/get_entities](https://docs.silamoney.com/docs/get_entities.md): Return all end-user and legal entities (businesses) associated with a customer application. This endpoint allows the listing of all entities registered to an application. - [/check_handle](https://docs.silamoney.com/docs/check_handle.md): Checks if a specific handle is already taken. - [/register](https://docs.silamoney.com/docs/register.md): Registers end user PII into the Sila database and assigns a user_handle to the new entity. - [/add/](https://docs.silamoney.com/docs/addregistration-data.md): Add a new email, phone number, street address, or identity data to a registered entity. - [/update/](https://docs.silamoney.com/docs/updateregistration-data.md): Update existing PII for a registered entity. - [/delete/](https://docs.silamoney.com/docs/deleteregistration-data.md): Delete existing end user PII. - [/register_with_provider_token](https://docs.silamoney.com/docs/register_with_provider_token.md): Register an end user that has been KYC'ed with a different provider so they do not have to be KYC'ed by Sila. - [Advanced KYC](https://docs.silamoney.com/docs/advanced-kyc-flow.md): Implementation guide for Advanced KYC. - [/kyc](https://docs.silamoney.com/docs/kyc.md): Advanced KYC system endpoint to kick off the KYC verification process for a registered user_handle. - [/get_verifications](https://docs.silamoney.com/docs/get_verifications.md): Advanced KYC endpoint that returns the full list of verification records for a single user_handle. - [/get_verifications/](https://docs.silamoney.com/docs/get_verification.md): Advanced KYC endpoint that returns details for a single, specified verification record. - [Classic KYC](https://docs.silamoney.com/docs/classic-kyc-flow.md) - [/request_kyc](https://docs.silamoney.com/docs/request_kyc.md): Starts KYC verification process on a registered user_handle. This call triggers to KYC application to be sent. - [/check_kyc](https://docs.silamoney.com/docs/check_kyc.md): Returns the KYC status for a single user_handle. - [/documents (upload)](https://docs.silamoney.com/docs/documents.md): Upload supporting documentation for a KYC verification. - [/document_types](https://docs.silamoney.com/docs/document_types.md): List the document types for KYC supporting documentation - [/get_document](https://docs.silamoney.com/docs/getdocument.md): Retrieve a previously uploaded supporting documentation for KYC - [/list_documents](https://docs.silamoney.com/docs/list_documents.md): List previously uploaded KYC docs for a specified entity. - [KYB (Know Your Business)](https://docs.silamoney.com/docs/kyb-know-your-business.md): Verifying business entities. KYB Overview. - [/link_business_member](https://docs.silamoney.com/docs/link_business_member.md): Links an individual entity to a business entity. - [/unlink_business_member](https://docs.silamoney.com/docs/unlink_business_member.md): Unlinks business members from a business for a specified role. - [/certify_beneficial_owner - DEPRECATED](https://docs.silamoney.com/docs/certify_beneficial_owner.md): Certifies that a beneficial owner's personal data and ownership stake are accurate. - [/certify_business - DEPRECATED](https://docs.silamoney.com/docs/certify_business.md): Certifies that all major beneficial owners (25% stake and higher) have been registered, linked, and individually certified for this business. - [/get_business_roles](https://docs.silamoney.com/docs/get_business_roles.md): Gets a list of valid business roles that can be used to link individuals to businesses. - [/get_business_types](https://docs.silamoney.com/docs/get_business_types.md): Gets a list of valid business types that can be registered. - [/get_naics_categories](https://docs.silamoney.com/docs/get_naics_categories.md): Gets a list of valid NAICS codes sorted by category and listed with their describing subcategory. - [KYC Systems Comparison](https://docs.silamoney.com/docs/kyc-flows-overview.md): An overview of Sila's two KYC systems. - [Plaid + Sila Integration](https://docs.silamoney.com/docs/plaid-sila-integration.md): Sila's partnership with Plaid for bank account linking - [MX + Sila Integration](https://docs.silamoney.com/docs/mx-sila-integration.md) - [/link_account](https://docs.silamoney.com/docs/link_account.md): Links an end user's bank account to the verified entity in Sila. - [/delete_account](https://docs.silamoney.com/docs/delete_account_v3.md): Deletes a bank account - [/get_accounts](https://docs.silamoney.com/docs/get_accounts.md): Returns details on linked bank accounts for a specified entity. - [/get_institutions (Plaid Only)](https://docs.silamoney.com/docs/get_institutions.md): Fetch data about financial institutions and which Plaid products are supported. - [/get_account_balance](https://docs.silamoney.com/docs/get_account_balance.md): Requests bank account balance data from an end-users linked bank account. - [/update_account](https://docs.silamoney.com/docs/update_account.md): Updates account name and status (frozen/unfrozen) of a bank account. - [Manual Account Linking](https://docs.silamoney.com/docs/manual.md): Manually linking an external bank account. - [Fuzzy Name Match Algorithm](https://docs.silamoney.com/docs/fuzzy-name-match-algorithm.md): Sila uses a proprietary algorithm to ensure the end user identity matches the account owner of the account that is being linked. - [/check_bank_account_capabilities](https://docs.silamoney.com/docs/check_bank_account_capabilities.md): This endpoint allows you to check the capabilities of a bank account with that payment instrument uuid. - [/check_routing_number_capabilities](https://docs.silamoney.com/docs/check_routing_number_capabilities.md): This endpoint allows you to check the capabilities of a routing number without needing to link the external account first. - [ACHNow](https://docs.silamoney.com/docs/achnow.md): Intelligent routing of transactions to the fastest available option using our "Smart Rail" API, /transact. - [/transact](https://docs.silamoney.com/docs/transact.md): All-in-one endpoint for all transaction types and processing types. - [RTP and FedNow Transaction Diagrams](https://docs.silamoney.com/docs/instant-rails-transaction-diagrams.md) - [/issue_sila](https://docs.silamoney.com/docs/issue_sila.md): Initiates an ACH Debit transaction from an external source and issues those funds into a Sila wallet. - [Issue Status Diagram](https://docs.silamoney.com/docs/issue-status-diagram.md) - [/transfer_sila](https://docs.silamoney.com/docs/transfer_sila.md): Move funds from one Sila wallet to another. - [Transfer Status Diagram](https://docs.silamoney.com/docs/transfer-status-diagram.md) - [/redeem_sila](https://docs.silamoney.com/docs/redeem_sila.md): Initiates an ACH Credit transaction to a linked bank account from a Sila wallet. - [Redeem Status Diagram](https://docs.silamoney.com/docs/redeem-status-diagram.md) - [/get_transactions](https://docs.silamoney.com/docs/get_transactions.md): Gets array of user handle's ACH Debit transactions (issue_sila), ACH Credit transactions (redeem_sila), and Digital Wallet to Digital Wallet (transfer_sila) transactions with detailed status information. - [/cancel_transaction](https://docs.silamoney.com/docs/cancel_transaction.md): Cancel a pending Issue and Redeem Sila transaction under certain circumstances - [/get_payment_methods](https://docs.silamoney.com/docs/get_payment_methods.md): Get a paginated list of all payment methods linked to an entity. - [Statements](https://docs.silamoney.com/docs/statements-overview.md): Overview of the statements that are sent out to end users and the endpoints associated with statements. - [/statements](https://docs.silamoney.com/docs/statements-1.md): Lists statement delivery attempt details with the option to filter for one specific user. - [/get_wallet_statement_data](https://docs.silamoney.com/docs/get_wallet_statement_data-1.md): Gets statement information by date range for a specified wallet. - [/get_statement_transactions](https://docs.silamoney.com/docs/get_statement_transactions.md): Lists statement transactions for a single wallet on a specific app. - [/get_statements_data](https://docs.silamoney.com/docs/get_statements_data.md): Returns transaction statement information for a single month for the specified user_handle. - [/statements/](https://docs.silamoney.com/docs/statement_statement_id.md): Allows statements to be resent to end users via email. - [ACH Processing Schedule](https://docs.silamoney.com/docs/ach-processing-schedule.md) - [ACH Processing Holiday Calendar](https://docs.silamoney.com/docs/ach-processing-holiday-calendar.md) - [ACH Returns](https://docs.silamoney.com/docs/ach-return-codes.md): ACH Return Codes, Return Reasons, and Return Types - [ACH Limits Overview](https://docs.silamoney.com/docs/limits-overview.md): Sila's authorization framework evaluates interactions between end users and its API service. In all cases where Limits are applied, a request is both authenticated and authorized. As part of the process of authorization, Sila's API identifies requests that exceed the threshold set by a *service quota*. Limits cause requests to fail when a service quota has been exceeded. - [End User Limits - Technical Details](https://docs.silamoney.com/docs/technical-details.md) - [Default Limits](https://docs.silamoney.com/docs/default-limits.md) - [Increasing Limits](https://docs.silamoney.com/docs/increasing-limits.md) - [Limits Usage](https://docs.silamoney.com/docs/limits-useage.md) - [Limits Headers](https://docs.silamoney.com/docs/limits-headers.md) - [Wallets](https://docs.silamoney.com/docs/wallets.md) - [/register_wallet](https://docs.silamoney.com/docs/register_wallet.md): Adds a wallet to a user handle. - [/update_wallet](https://docs.silamoney.com/docs/update_wallet.md): Updates nickname and/or default status of a wallet. - [/get_wallet](https://docs.silamoney.com/docs/get_wallet.md): Gets more in depth details on a specified single wallet. - [/get_wallets](https://docs.silamoney.com/docs/get_wallets.md): Gets a paginated list of wallets attached to a user handle. - [/delete_wallet](https://docs.silamoney.com/docs/delete_wallet.md): Deletes a user wallet. - [External Bank Accounts](https://docs.silamoney.com/docs/payment-instrument-bank-accounts.md) - [Webhook Overview and Set Up](https://docs.silamoney.com/docs/webhooks.md) - [Webhook Event Signing](https://docs.silamoney.com/docs/webhook-event-signing.md): Optional HMAC-based webhook content validation via a shared secret - [Webhook Event Reference](https://docs.silamoney.com/docs/webhook-event-reference.md) - [Webhook Management Console](https://docs.silamoney.com/docs/webhook-management.md) - [Webhook Troubleshooting](https://docs.silamoney.com/docs/webhook-troubleshooting.md) - [/get_webhooks](https://docs.silamoney.com/docs/get_webhooks.md): Gets the list of generated webhooks with detailed information. - [/retry_webhook](https://docs.silamoney.com/docs/retry_webhook.md): Retry a webhook event - [Webhook Alerts](https://docs.silamoney.com/docs/webhook-alerts.md) - [Sila Console Overview](https://docs.silamoney.com/docs/sila-console-overview.md) - [Application Management](https://docs.silamoney.com/docs/console-application-management.md) - [Account Admin](https://docs.silamoney.com/docs/console-account-admin.md) - [Your Business Dashboard](https://docs.silamoney.com/docs/console-your-business-dashboard.md) - [Team Management Dashboard](https://docs.silamoney.com/docs/console-team-management-dashboard.md) - [Transaction Dashboard](https://docs.silamoney.com/docs/console-transaction-dashboard.md) - [End User Dashboard](https://docs.silamoney.com/docs/end-user-dashboard.md) - [Developers](https://docs.silamoney.com/docs/console-developers.md) - [Console Roles](https://docs.silamoney.com/docs/console-roles.md) - [Native SDKs](https://docs.silamoney.com/docs/native-sdks.md) - [Node/JavaScript SDK (ECDSA only)](https://docs.silamoney.com/docs/nodejavascript-sdk.md) - [Java SDK (ECDSA only)](https://docs.silamoney.com/docs/java-sdk-028-rc.md) - [PHP SDK (ECDSA only)](https://docs.silamoney.com/docs/php-sdk-028-rc.md) - [Transaction Error Codes](https://docs.silamoney.com/docs/transaction-error-codes.md) - [Request KYC Errors](https://docs.silamoney.com/docs/request_kyc-errors.md) - [Check KYC Errors](https://docs.silamoney.com/docs/check_kyc-errors.md) - [Link Account Errors](https://docs.silamoney.com/docs/link-account-errors.md) - [Issue Sila Errors](https://docs.silamoney.com/docs/issue_sila-errors.md) - [Cancel Transaction Errors](https://docs.silamoney.com/docs/cancel-transaction-errors.md) - [Get Account Balance Errors](https://docs.silamoney.com/docs/get-account-balance-errors.md) - [Message Objects](https://docs.silamoney.com/docs/message-objects.md) - [header_msg](https://docs.silamoney.com/docs/header_msg.md) - [entity_msg](https://docs.silamoney.com/docs/entity_msg.md) - [link_account_msg](https://docs.silamoney.com/docs/link_account_msg.md) - [get_accounts_msg](https://docs.silamoney.com/docs/get_accounts_msg.md) - [issue_msg](https://docs.silamoney.com/docs/issue_msg.md) - [transfer_msg](https://docs.silamoney.com/docs/transfer_msg.md) - [redeem_msg](https://docs.silamoney.com/docs/redeem_msg.md) - [get_transactions_msg](https://docs.silamoney.com/docs/get_transactions_msg.md) - [Message Object References](https://docs.silamoney.com/docs/message-object-references.md) - [header](https://docs.silamoney.com/docs/header.md) - [address](https://docs.silamoney.com/docs/address.md) - [identity](https://docs.silamoney.com/docs/identity.md) - [contact](https://docs.silamoney.com/docs/contact.md) - [entity](https://docs.silamoney.com/docs/entity.md) - [search_filters](https://docs.silamoney.com/docs/search_filters.md) - [Company Wallet Setup](https://docs.silamoney.com/docs/company-wallet-setup.md): Onboarding your business and operating bank account with Sila - [Breaking Change Policy](https://docs.silamoney.com/docs/breaking-change-policy.md) ## Changelog - [API 0.2.140](https://docs.silamoney.com/changelog/api-02140.md) - [API 0.2.139](https://docs.silamoney.com/changelog/api-02139.md) - [API 0.2.138](https://docs.silamoney.com/changelog/api-02138.md) - [Console 2.40.0](https://docs.silamoney.com/changelog/console-2400.md) - [Console 2.39.0](https://docs.silamoney.com/changelog/console-2390.md) - [API 0.2.137](https://docs.silamoney.com/changelog/api-02137.md) - [API 0.2.136](https://docs.silamoney.com/changelog/api-02136.md) - [Console 2.38.0](https://docs.silamoney.com/changelog/console-2380.md) - [API 0.2.135](https://docs.silamoney.com/changelog/api-02135.md) - [API 0.2.134](https://docs.silamoney.com/changelog/api-02134.md)