> 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-for-business/b2b-operating-layer.md).

# B2B Operating Layer

Spendl for Business is the infrastructure layer that allows companies to operate money, not just move it.

It is designed for businesses that need to issue accounts, control funds, pay people, accept payments, move money across borders, and embed financial services into their own products.

The objective of this layer is to remove fragmentation. Most businesses are forced to stitch together banks, payroll providers, payment processors, wallet providers, and compliance tools.

Spendl replaces that stack with a single regulated system where money can be created, controlled, distributed, and settled from one operating layer.

This is financial infrastructure designed to support scale, permissions, compliance, and complex money flows.

### How It Can Be Used

| Use Case                  | Description                                                                           |
| ------------------------- | ------------------------------------------------------------------------------------- |
| Launch financial products | Go to market without building your own banking or compliance infrastructure           |
| Centralise operations     | Manage all business money movement from one system                                    |
| Control fund flows        | Define how money moves between customers, employees, partners, and markets            |
| Embed financial services  | Integrate wallets, payments, and financial features into your own platform or product |

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For Businesses

Spendl for Business is built for companies that need more than payments.

It provides the infrastructure to control, distribute, and manage money at scale while remaining compliant and operationally efficient.
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