> 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-features/overview/b2b-solutions.md).

# B2B Solutions

B2B Solutions give businesses access to Spendl’s financial infrastructure as a backend service.

Instead of using Spendl only as a standalone tool, businesses can use Spendl as the financial engine inside their own platforms, products, and customer experiences.

### What This Means

With Spendl, businesses can embed financial functionality directly into their product without building the full infrastructure from scratch.

This includes wallets, cards, payments, account functionality, money movement, and other financial tools powered through Spendl’s compliant infrastructure.

### Core Objective

The core objective of B2B Solutions is to help companies launch financial products faster, without taking on the full complexity of regulatory, banking, and infrastructure management.

Spendl powers the system behind the scenes.

Your business controls the product experience, customer journey, and use case.

### What Businesses Can Build

| Solution                  | What it enables                                                             |
| ------------------------- | --------------------------------------------------------------------------- |
| Embedded wallets          | Add wallet functionality directly into your own platform                    |
| Card programs             | Issue cards linked to your customer, employee, or platform balances         |
| Payment flows             | Move money between users, accounts, merchants, or businesses                |
| Customer finance features | Power financial tools inside your own customer experience                   |
| Money movement systems    | Manage flows between different user groups, accounts, or operational layers |
| Fintech products          | Launch products faster using Spendl’s existing infrastructure               |

### How It Can Be Used

| Use Case                          | Description                                                                   |
| --------------------------------- | ----------------------------------------------------------------------------- |
| Embed wallets, cards, or payments | Add financial features into your own platform or product                      |
| Power customer financial features | Give your customers access to money movement, spending, and account tools     |
| Manage money flows                | Control how money moves between users, groups, suppliers, customers, or teams |
| Launch faster                     | Bring fintech products to market without building the full backend yourself   |
| Stay compliant                    | Operate within a compliant infrastructure framework powered by Spendl         |

Spendl gives businesses the infrastructure layer needed to launch, test, and scale financial products without starting from zero.

You bring the customers, brand, and use case.

Spendl provides the financial infrastructure behind it.