Merchant accounts are created by SohoPay after business verification. There is no public signup that skips KYB and hands out an API key. Email support@sohopay.xyz to start. Once the merchant exists, the payout address is registered on-chain and must be ACTIVE before settlement pays it. See Merchant onboarding. Borrower credit is a separate path. The limit you can spend depends on that borrower’s verification and policy, and it is whatever get_context and prepare_x402_payment report. Verification coverage is not a promise of a particular limit, and it is not a way around merchant KYB.
Do not collect a legal name or date of birth in the agent chat. When onboarding returns an OPEN_URL step for profile or credit, send the borrower to that page.

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Next steps

AML screening

Wallet screening on the borrower.

Fees

What a provisioned merchant is charged.