> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-money-app/spendl-money-overview.md).

# Spendl Money Overview

Spendl is not a single product or a consumer only app. It is a full financial suite where multiple user types can interact with the same regulated infrastructure through different access layers.

### What Spendl Money Does

Spendl brings accounts, cards, payments, digital assets, vouchers, payroll, treasury, remittances, tokenised services, and business tooling into one system.

1. For individuals, this means one app to manage everyday money movement.
2. For businesses, this means one infrastructure layer to control financial operations, launch products, and manage customer or employee flows.
3. For partners, this means access to embedded financial products without building the regulated infrastructure from scratch.

### The App as the Financial OS

The Spendl Money App is the primary interface for interacting with the Spendl system.

It connects regulated banking rails, cards, digital assets, remittance and tokenised services into one coherent system. Every account, balance, transaction, permission, and product flow lives inside this layer.

This allows Spendl to scale from personal use to business operations and embedded infrastructure without separating products across different platforms.

### One Platform. Multiple Access Layers.

<table><thead><tr><th width="219">Access Layer</th><th>What it supports</th></tr></thead><tbody><tr><td>Individuals</td><td>Everyday spending, transfers, card loading, vouchers, supported digital assets, and personal account features</td></tr><tr><td>Businesses</td><td>Payroll, cards, accounts, vouchers, treasury, permissions, controls, and operational money movement</td></tr><tr><td>B2B2C Partners</td><td>White label wallets, branded card programs, embedded payments, customer facing financial products, and API powered services</td></tr></tbody></table>

### How to Use These Docs

Use the sections below to navigate through the Spendl Money documentation.

Each page explains one part of the platform, how it works, and how it fits into the wider Spendl ecosystem.

## Spendl Money App

<table><thead><tr><th width="256">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/Yy0sFr6M8Pt0oa3cvziw">Overview</a></td><td>A high level introduction to the Spendl Money platform</td></tr><tr><td><a href="/pages/ICY1vrhxwSXeY6vpIJkb">For Business</a></td><td>How Spendl supports business operations and financial control</td></tr><tr><td><a href="/pages/KRKBecghEQP6xcduUX4n">For Individual</a></td><td>How individuals use Spendl for everyday money movement</td></tr><tr><td><a href="/pages/G7qkXKF9R6OdmgDrBhWT">B2B and B2B2C Architecture</a></td><td>How Spendl supports direct users, businesses, and embedded products on one infrastructure layer</td></tr></tbody></table>

***

## Features

<table><thead><tr><th width="256">Feature</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/WsMKD3fzZW6s8KDhZRIy">Spendl Card</a></td><td>Card loading, spending, international payments, and card based access</td></tr><tr><td><a href="/pages/7b63d9113ebd84092c33655d5a574c7cc5bc3de7">Spendl Wallet</a></td><td>Managing available funds, sending to users or bank accounts, loading your Spendl Card, and tracking wallet activity</td></tr><tr><td><a href="/pages/kfxXW0L5imPbjjHYwY3W">Digital Assets</a></td><td>Supported assets, deposits, withdrawals, conversions, and funding use cases</td></tr><tr><td><a href="/pages/LdDjCSZRZR1gYl1fDOQO">Branded Wallet Solutions</a></td><td>White label wallet and branded card solutions for businesses</td></tr><tr><td><a href="/pages/4d8f27041d539ca2b9a8e5b8da6e5b298283a133">Bill Splitter</a></td><td>Split receipts with friends and track who has paid you back</td></tr><tr><td><a href="/pages/rMo1nPBhWhNooQOkkjNo">Vouchers</a></td><td>Everyday vouchers, rewards, incentives, and controlled spend</td></tr><tr><td><a href="/pages/79af2eb9800e7da9233598a3d800b0d05d9f4c15">Rewards</a></td><td>XP, milestones, streaks, and leaderboards that keep users engaged</td></tr><tr><td><a href="/pages/3d65c54981438698fa8a32366c73bbc7439d93e9">Remittances</a></td><td>Cross border payments across supported African countries</td></tr><tr><td><a href="/pages/XrgRgmzZnHd6F2Y86ewQ">Payroll</a></td><td>Automated salary payments, employee cards, and payroll flows</td></tr><tr><td><a href="/pages/iYX24zn9o4igqdLESi1q">B2B Solutions</a></td><td>Embedded finance infrastructure for businesses and platforms</td></tr><tr><td><a href="/pages/eHbZh7ePeKA0eOilTN53">Treasury</a></td><td>Business visibility and control across balances, accounts, and currencies</td></tr><tr><td><a href="/pages/EZOLLipbenyEV2LIAcgF">Tokenized Services</a></td><td>Tokenised financial products and regulated asset access</td></tr><tr><td><a href="/pages/JS8oCUjhyFWZtdbI1Egp">Acquiring</a></td><td>Merchant acceptance, payment collection, and business payment flows</td></tr></tbody></table>

## Spendl for Business

<table><thead><tr><th width="257">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/eS4HjkTvrzndR59AwuuT">B2B Operating Layer</a></td><td>How businesses operate through Spendl's infrastructure</td></tr><tr><td><a href="/pages/ASGuQ9NbwBcKfw6ZUb58">Spendl Business Solutions</a></td><td>Business focused solutions, use cases, and deployment options</td></tr><tr><td><a href="/pages/RQFT7VIxdlnDgznOrRND">Business Admin Dashboard</a></td><td>How to manage your users, compliance, cards, and crypto flows through your branded admin panel</td></tr><tr><td><a href="/pages/HSa42fclF7D9BGCsOMON">Spendl B2B Use Cases</a></td><td>Real world examples of how businesses use Spendl's infrastructure</td></tr></tbody></table>

## Spendl Architecture

<table><thead><tr><th width="261">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="#spendl-architecture">Spendl Platform Architecture</a></td><td>Platform overview, system architecture, service design, security model, multi-tenancy, proof-of-reserves, resilience, and compliance</td></tr></tbody></table>

## API Documentation

<table><thead><tr><th width="257">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/BofPFbMDQi8XIqDeqPKs">Spendl API Documentation</a></td><td>API integration information for developers and partners</td></tr></tbody></table>

## Getting Started

<table><thead><tr><th width="256">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/YooWgv4gNP5ujMlWnnxt">Getting Started</a></td><td>First steps for using or integrating with Spendl</td></tr></tbody></table>

## Spendl for Individuals

<table><thead><tr><th width="248">Page</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/c2R32yt0QvHYdtlrvC3a">Spendl Money App</a></td><td>The main app experience for individual users</td></tr><tr><td><a href="/pages/75e338615454f2c4d8f1ba29e21d0a8bfbfcdafb">Overview</a></td><td>Individual user overview and platform explanation</td></tr><tr><td><a href="/pages/9c466347c99731dbb6182d5e6d0a414dfe043742">Card Plans</a></td><td>Smart, Savvy, and Guru card plans</td></tr><tr><td><a href="/pages/CZIPsv9Yr6CdG9aHDWXJ">Supported Assets</a></td><td>Supported digital assets and funding options</td></tr><tr><td><a href="/pages/uMfxEhmNKv8Cl0ve56yM">Spendl Limits</a></td><td>Account limits by tier</td></tr><tr><td><a href="/pages/e9Hpxiynno35i160Siw4">Spendl Fees</a></td><td>Fees and charges linked to Spendl usage</td></tr><tr><td><a href="/pages/DFFU4BDa1UurdmftiUFb">Glossary</a></td><td>Key terms used across the Spendl documentation</td></tr></tbody></table>

## Spendl How To Guides

<table><thead><tr><th width="251">Guide</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/itKMFkNWG9IrH0OVPLA9">Spendl App Platform How To Guide</a></td><td>A step-by-step walkthrough of every feature inside the Spendl platform, from your wallet and personal banking to crypto and profile settings</td></tr><tr><td><a href="/pages/S6veGDWan3RtgxRULj25">Spendl KYC How To Guide</a></td><td>A complete guide to completing your KYC verification, covering every step from product selection through to submission and approval</td></tr></tbody></table>

## Compliance Pack

<table><thead><tr><th width="257">Document</th><th>What it covers</th></tr></thead><tbody><tr><td><a href="/pages/eb48805c81c7e07201182e4ff61e80a2a785c0ad">Terms and Conditions</a></td><td>User terms, platform conditions, and legal usage terms</td></tr><tr><td><a href="/pages/986d302c3c46ee0518769372516b97d032474c2d">Privacy Policy</a></td><td>How user data is collected, handled, and protected</td></tr><tr><td><a href="/pages/58afc2e2c9e75a2bc0181ef746f103d80c46676a">FAIS Disclosure Notice</a></td><td>Required disclosure information under FAIS</td></tr><tr><td><a href="/pages/8f1e683604f4080630c1159cbbe2a5d04732a306">Complaints Management Policy</a></td><td>How complaints are submitted, handled, and resolved</td></tr><tr><td><a href="/pages/8bdfc8471d7828935c97823221accbdf5d8181f8">Cookie Policy</a></td><td>How cookies are used across Spendl web properties</td></tr><tr><td><a href="/pages/c076c7f54ae89e0478c9032699f1738a8d8c59e8">Conflict of Interest Management Policy</a></td><td>How conflicts of interest are identified and managed</td></tr><tr><td><a href="/pages/ee5f11c1cd8a158231a2906517bda512bef42d6f">PAIA Manual</a></td><td>Access to information documentation</td></tr><tr><td><a href="/pages/89def6059acf438015e1fa9faf6a98e615ff41ca">Treating Customers Fairly Policy</a></td><td>Customer fairness and conduct principles</td></tr></tbody></table>

Spendl Money is designed so individuals, businesses, and partners can all use the same infrastructure through different access layers.

The user experience may change.

The underlying financial system remains connected.