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Before an agent pays or trusts a NEAR account: does it exist, what kind is it (named, implicit, 0x), how much NEAR it holds (available, staked, locked for storage), whether it is a contract or a NEP-141 token, and who controls it — full-access keys that can do anything, and function-call keys limited to one contract. Flags a wallet held by one key, a contract replaceable by key, and an account no one can sign for. Live from the NEAR RPC.