Organizations

Institutional clients use Earn Direct as an organization — a single workspace shared by a team. Deposits, withdrawals, portfolio, and reporting are scoped to the organization, so every member sees the same balances and activity.

Onboarding & verification

The first person to log in from a partner organization is provisioned as the organization admin with full permissions. The organization starts in a pending verification state and must complete KYB (Know Your Business) verification before it can deposit or withdraw.

KYB is performed once per organization, not per individual. The admin initiates verification; on approval, the organization becomes active and every member is cleared to transact — team members do not complete individual KYC.

Shared deposit wallets

Deposit addresses are shared across the organization at the product level. The first member to deposit into a product provisions the wallet; every other member deposits to the same address. This keeps custody consolidated rather than fragmenting funds across per-user wallets.

Interest accrues on the organization's net pooled balance per product and is reported as a single daily entry per product.

Activity log

Every management action — invites, role changes, suspensions, KYB, and wallet verification — is recorded in an audit trail visible to the organization under the Activity tab.

Organization status

Status	Meaning
pending verification	Created, awaiting KYB. Cannot deposit or withdraw.
active	KYB approved. Full access for all members.
suspended	Access revoked.

Managing the team

See Team Management for inviting members, roles and permissions, and wallet verification.

Managing wallets

See Managing Whitelisted Wallets for changing a product's withdrawal address and retiring (deactivating) a deposit wallet — both client-requested and Tesseract-approved.