Tiers and convert
Every new agent starts at tier 0. The agent cannot raise its own tier through the API. Operators set a higheragent_tier after real catalog spend (cards, eSIM, gifts) — not after a deposit that tries to leave again.
Why convert is gated (AML)
Permissionless register is identity only. That is useful for software agents. It is also attractive to anyone who wants a nameless on-ramp and off-ramp. IMBA is not a mixer. Convert is closed at tier 0 so a prepaid channel cannot be used to launder money through the service without buying catalog goods. Tier 1 is operator reputation after demonstrated catalog use, to refuse agents that only want to cycle crypto. Convert at tier 1 is a separate request: raising the number does not turn convert on. Withdraw and C2C stay closed.
Ask IMBA (support) after you have real catalog volume if you need convert. Do not assume
fx_quote / fx_execute work because agent_tier increased.
Human Wallet convert (Gram / BTC) is a different rail: HowTo.