Quite a lot. Enta isn't locked until you verify.
Tier 1 — from the moment you sign up
You have a working wallet immediately. You can send, swap and receive crypto straight away — to and from any external wallet, on any supported network, and between assets and networks inside Enta.
Your Dashboard will show a prompt — "Make the most of Enta, verify your identity" — which you can minimise with Hide for now.
Tier 2 — what verification adds
Verification adds the part that touches regular money: off-ramps and FX swaps. Converting between crypto and currencies like EUR, GBP and NGN, in either direction.
So funding by bank transfer and cashing out to a bank account both need Tier 2. Anything that stays in crypto doesn't.
There is no Tier 3
Tier 2 is fully verified. When it clears, your Dashboard card is replaced by "You're fully verified" with a Try Crypto to Cash button.
Payment links work differently
Payment links are gated by account type, not by tier. Individual accounts get them from day one. Business accounts unlock them once business verification is approved.
Business accounts during review
While business verification is pending, the app shows only Wallet setup. The dashboard, payment links and team features appear once verification is approved — a quiet screen during review is expected, not a fault.