The Finanzer platform

One financial platform.
For life and business.

Bring your everyday money, business finances and next investment into view. Accounts, cards, stablecoins, payments, treasury and capital connect through Finanzer, with Agent to help you decide and APIs to build on.

Navy Finanzer card colour study with champagne ribbon relief on sunlit limestone.

Start where you are.
Build from there.

Manage your own money, run a company’s finances or build financial services into your product. Each part of Finanzer has a clear role, with the accounts, permissions and terms appropriate to it.

Personal

Receive, spend and send across borders. Bring accounts, cards, rewards and supported digital assets into view, with separate options for investing and borrowing.

Find your Personal account

Business

Pay a supplier, give a colleague a card or review this month’s cash position. Keep the payment, the person responsible and the record together.

See how Business works

Treasury

See cash across currencies, upcoming commitments and longer-term allocations. Plan liquidity around what your business needs to keep available.

Explore Treasury

Capital

Explore financing for working capital, receivables and growth. Review eligibility, total cost and repayment against the purpose of the funding.

Explore Capital

Agent

Ask about your financial position, compare options and prepare an action for review. The supporting records and required approvals stay in view.

Meet Finanzer Agent

Developers

Build around accounts, cards, payments and events. Explore APIs, webhooks and sandbox access for the financial workflows your product needs.

Explore developer tools

Know what you can use.
Know what is committed.

A balance only helps when you know what it means. See available money, pending card payments and recent activity together, with separate balances for each currency.

A card payment can reserve money before the merchant completes it. Finanzer keeps that pending amount visible, so yesterday’s purchase doesn’t surprise you tomorrow.

See the account in detail
PersonalAR
AccountCardsRewards
North CaféCard payment · Pending−€34.80
Cashback paidRewards credit · Completed+€6.20
Jonas KellerBank transfer · Completed−€224.73

The card you reach for.
The controls you expect.

Pay in person or online, track eligible cashback and manage your card from your account. The signature ivory design is part of something you use every day.

Need to pause your card? Freeze it from its controls. Checking a purchase? See its status and whether the reward is still pending.

Explore the signature card
Original ivory Finanzer signature card with sculptural ribbon relief and original face artwork.

Choose how an expense
fits into your life.

Use your own balance for everyday purchases. If you choose credit, distinguish a gap until payday from an expense to repay over time, or a loan secured by assets you hold.

Pay with your available money.

Spend money you already have in your account. Your available balance reflects pending payments, so you can see what remains to spend.

Funding: available balance · No borrowing in this mode.Explore the account

Credit requires approval and creates a repayment obligation. Holdpath also carries collateral and liquidation risk.

The invoice. The approval.
The money behind it.

Bring supplier payments, team spending and operating cash into the same workflow. See what is waiting for approval before deciding what the business can use next.

Treasury helps you separate upcoming commitments from longer-term allocations. Capital gives you a route to discuss funding when paying for an order comes before getting paid.

Explore Business
Arc StudioAS
OverviewPaymentsActivity

PAYMENT REVIEW

Linea ComponentsNeeds your approval
LC-2048Aluminium lamp components
€840.00
ER
Elena RossiFirst approver
AR
Alex RiveraYour approval is required
Two approvals required
No money moves during review.

Ask about your money.
See what the answer rests on.

Ask Agent to explain a cash position or prepare a payment for review. Inspect the records, proposed amount and required permissions before anyone takes action.

See Agent’s role
Finanzer AgentAS

Arc Studio · Business workspace

Review tomorrow’s supplier payment.

Linea Components is due tomorrow.

The payment is prepared. One approval is still needed before it can be released.
LC-2048Prepared
€840.00

Linea Components

Funding accountBusiness EUR
Your approvalAwaiting review
Based onInvoiceAccountPolicy

Human approval required. Agent cannot send this payment.

Before you choose Finanzer

Your next move.
Your part of Finanzer.

Find the accounts, payments, treasury, financing or integration tools that fit what you need to do next.