Pretty sure to be able to withdraw, send and receive a larger sum then the limit given you have to provide a bank account, a credit card, S.S., and some other things I can think off the top of my head.
I know you have to have given 4 out of the 5 they require
I had to scan over a photo ID maybe? Also providing social security number. Those should do it. I think those came along for me when I ran into the 1099 reporting limits. Maybe I did them earlier on but cannot recall.