The Spiko platform allows multiple users to manage the same organization's account through role-based access control. Each role has specific permissions.
Roles
| Permission | Admin | Manager | Coordinator | Read-only |
|---|---|---|---|---|
| View account balance | ✅ | ✅ | ✅ | ✅ |
| View deposit/withdrawal history | ✅ | ✅ | ✅ | ✅ |
| Generate account statements | ✅ | ✅ | ✅ | ✅ |
| Connect third-party applications in read-only mode | ✅ | ✅ | ✅ | ✅ |
| Initiate deposits | ✅ | ✅ | ❌ | ❌ |
| Initiate withdrawals (to registered accounts) | ✅ | ✅ | ❌ | ❌ |
| Initiate direct debits (if mandate signed) | ✅ | ✅ | ❌ | ❌ |
| Manage bank accounts | ✅ | ❌ | ✅ | ❌ |
| Sign a direct debit mandate | ✅ | ❌ | ❌ | ❌ |
| Add new on-chain withdrawal addresses (Expert mode) | ✅ | ❌ | ✅ | ❌ |
| Manage user access | ✅ | ❌ | ✅ | ❌ |
| Generate API keys (Manager role) | ✅ | ✅ | ❌ | ❌ |
| Generate API keys (Viewer role) | ✅ | ✅ | ✅ | ✅ |