Currently, there are four roles for the multi-user feature, as follows:
Reader - can only view transactions, and balances, can't make any actions on the platform
Creator - can create payouts, which go into the approval queue, but can't approve payouts.
Approver - can approve payouts in the approval queue, but can't create payouts.
Admin - can create payouts, approve payouts, and create conversions (which don't go into the approval queue).