> 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/spendl-business-solutions.md).

# Spendl Business Solutions

Spendl Business Solutions give companies access to a full financial infrastructure layer that can be used directly, embedded into existing products, or launched under a business’s own brand.

Instead of relying on separate banking tools, card providers, wallet systems, payroll platforms, and payment processors, businesses can operate through one connected Spendl infrastructure layer.

### What This Page Covers

This page explains the core products and services available to businesses through Spendl.

Each solution is designed to help businesses move money, manage users, control spending, launch financial products, and access regulated infrastructure without building every component from scratch.

## White Label Wallets

White Label Wallets allow businesses to launch branded wallets for their own users while Spendl operates the regulated backend.

The business owns the customer relationship and interface.

Spendl provides the accounts, compliance, transaction processing, and settlement infrastructure.

### Business Objective

The objective is to let platforms offer wallet functionality without becoming a financial institution themselves.

### How It Can Be Used

| Use Case              | Description                                                     |
| --------------------- | --------------------------------------------------------------- |
| Branded wallet launch | Launch a wallet inside an existing app or customer experience   |
| Customer balances     | Hold customer balances under a regulated structure              |
| User permissions      | Control wallet features and access by user type                 |
| Infrastructure access | Avoid building or licensing financial infrastructure internally |

## Bank Accounts

Spendl provides businesses with access to bank accounts that are fully integrated into the platform.

These accounts are not standalone products.

They are programmable components within a broader financial system.

### Business Objective

The objective is to give companies direct access to banking rails without relying on multiple external banks or manual reconciliation.

### How It Can Be Used

| Use Case            | Description                                            |
| ------------------- | ------------------------------------------------------ |
| Operational funds   | Hold business, operational, or customer funds          |
| Payments            | Receive and send local or international payments       |
| Multiple accounts   | Set up accounts for different business functions       |
| Automated workflows | Integrate accounts into automated money movement flows |

## Cards: Physical and Virtual

Spendl enables businesses to issue physical and virtual cards (coming soon) that are directly linked to accounts, balances, and controls inside the system.

Cards are treated as access tools, not isolated products.

### Business Objective

The objective is to give businesses precise control over spending while maintaining real time visibility over card activity.

### How It Can Be Used

| Use Case                   | Description                                             |
| -------------------------- | ------------------------------------------------------- |
| Employee cards             | Issue cards to employees, contractors, or customers     |
| Spending controls          | Set limits, usage rules, and permissions                |
| Virtual cards: COMING SOON | Create virtual cards for online or controlled use cases |
| Transaction visibility     | Track card spending at transaction level in real time   |

## Digital Asset Support

Spendl allows businesses to hold and manage supported digital assets within the same system as fiat operations.

Digital assets are treated as part of the wider treasury and payment stack, not as a separate external workflow.

### Business Objective

The objective is to bring supported digital assets into standard business treasury, funding, and payment workflows.

### How It Can Be Used

| Use Case               | Description                                                                 |
| ---------------------- | --------------------------------------------------------------------------- |
| Balance sheet exposure | Hold supported digital assets as part of business treasury                  |
| Conversion             | Convert between supported digital assets and fiat                           |
| Settlement or payouts  | Use supported digital assets for settlement or payout flows where available |
| Treasury strategy      | Integrate on chain exposure into treasury planning                          |

When depositing digital assets, always use the correct network for the asset being sent.

Deposits sent using the wrong network may be permanently lost and may not be recoverable.

## Payroll (COMING SOON)

Payroll allows businesses to pay employees directly through Spendl.

Payroll Lending extends this by enabling early access to earned wages or structured salary advances where available.

### Business Objective

The objective is to modernise salary distribution while reducing reliance on traditional payroll intermediaries.

### How It Can Be Used

| Use Case           | Description                                                          |
| ------------------ | -------------------------------------------------------------------- |
| Salary payments    | Pay employees automatically through Spendl                           |
| Contractor payouts | Manage contractor, freelancer, and gig worker payouts                |
| Early wage access  | Offer employees access to earned wages or structured salary advances |
| Reduced admin      | Reduce payroll administration and manual payment handling            |

## Treasury Management

Treasury Management gives businesses tools to manage liquidity across regions, currencies, accounts, and operational flows from one system.

### Business Objective

The objective is to centralise cash management and reduce risk caused by fragmented accounts, delayed visibility, and manual oversight.

### How It Can Be Used

| Use Case             | Description                                               |
| -------------------- | --------------------------------------------------------- |
| Balance monitoring   | Monitor balances across business accounts                 |
| Fund allocation      | Allocate funds between local and international operations |
| Liquidity management | Manage available funds centrally                          |
| Financial oversight  | Improve planning, reporting, and visibility               |

### Remittances

Remittances allow businesses to send ZAR from South Africa to supported African countries using regulated Spendl rails.

Spendl currently supports remittance flows to up to 44 African countries.

### Business Objective

The objective is to simplify international payouts and reduce the cost, complexity, and delay linked to cross border money movement.

### How It Can Be Used

| Use Case                  | Description                                           |
| ------------------------- | ----------------------------------------------------- |
| Supported country payouts | Send ZAR to supported African countries               |
| Supplier payments         | Pay international suppliers or workers                |
| Customer payouts          | Support cross border customer payments                |
| Automated transfers       | Build international transfers into business workflows |

## Vouchers

Vouchers allow users and businesses to convert balances into predefined spend categories such as electricity, airtime, data, transport, gaming, and digital services.

With over 100 vouchers accessible through Spendl, businesses can distribute value with purpose, restrictions, and visibility instead of issuing unrestricted cash.

### Business Objective

The objective is to distribute value in a controlled and traceable way.

### How It Can Be Used

| Use Case            | Description                                              |
| ------------------- | -------------------------------------------------------- |
| Customer rewards    | Issue vouchers as rewards or incentives                  |
| Employee benefits   | Provide employees with controlled allowances or benefits |
| Marketing campaigns | Run voucher based promotions or campaigns                |
| Controlled spending | Restrict spend to approved categories or use cases       |

## Regulated Tokenised Services

Regulated Tokenised Services allow businesses to offer tokenised exposure to real world assets within a compliant framework.

### Business Objective

The objective is to unlock new financial products without exposing businesses or users to unnecessary regulatory uncertainty.

### How It Can Be Used

| Use Case                 | Description                                          |
| ------------------------ | ---------------------------------------------------- |
| Tokenised asset products | Offer access to tokenised real world asset products  |
| Platform integration     | Integrate tokenised services into existing platforms |
| Structured exposure      | Provide structured financial exposure to users       |
| Regulatory alignment     | Keep tokenised services inside a compliant framework |

## Tokenised Yields (COMING SOON)

Tokenised Yields allow businesses to offer yield generating products backed by decentralised finance mechanisms in a structured way.

This gives businesses a way to offer customers tools they can use inside the product experience while accessing potential returns through supported yield mechanisms.

### Business Objective

The objective is to give users access to yield while managing risk, exposure, visibility, and product controls.

### How It Can Be Used

| Use Case               | Description                                           |
| ---------------------- | ----------------------------------------------------- |
| Yield products         | Offer yield based products to users                   |
| Platform returns       | Integrate returns into customer or business platforms |
| Transparent mechanisms | Provide visibility over how yield products operate    |
| Product expansion      | Expand the business’s financial product offering      |

## Whitelabel Cards

Whitelabel custom cards allow businesses to issue branded cards under their own identity while Spendl manages issuing, processing, and compliance.

### Business Objective

The objective is to give businesses brand ownership without the infrastructure burden.

### How It Can Be Used

| Use Case              | Description                                                            |
| --------------------- | ---------------------------------------------------------------------- |
| Branded card programs | Launch cards under your own business or product brand                  |
| Customer engagement   | Increase customer interaction through card based products              |
| Embedded payments     | Embed card usage into your own platform or customer journey            |
| Monetisation          | Create revenue opportunities through card usage and financial activity |

Spendl Business Solutions are designed to work together.

Wallets, cards, accounts, payroll, treasury, digital assets, vouchers, remittances, and tokenised services can all operate through the same connected infrastructure.

Your business controls the customer experience.

Spendl powers the regulated system behind it.