# One financial platform. For life and business.

Canonical page: https://finanzer.ai/

> One platform for personal and business finance: accounts, cards, stablecoins, payments, treasury and capital, with Agent assistance and developer APIs.

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.

## 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](https://finanzer.ai/personal)

### 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](https://finanzer.ai/business)

### Treasury

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

[Explore Treasury](https://finanzer.ai/treasury)

### Capital

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

[Explore Capital](https://finanzer.ai/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](https://finanzer.ai/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](https://finanzer.ai/developers)

## 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](https://finanzer.ai/personal/accounts)

## 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](https://finanzer.ai/personal/cards)

## 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 now

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.

### Daypath

Spend today. Settle on payday.

Cover an eligible expense before payday, then repay on the agreed date. Check the full cost and whether the payment fits your expected income.

Credit eligibility and repayment terms apply.

### Stepline

Spread an expense over installments.

Choose an eligible expense to repay over time. Compare every due date, the applicable rate and the total you will repay.

Credit eligibility, fees and repayment obligations apply.

### Holdpath

Borrow against eligible holdings.

Access funds without selling eligible assets upfront. The loan has borrowing costs, and pledged assets can be liquidated if collateral conditions are breached.

Collateral can lose value. Extra collateral, repayment or liquidation may be required.

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](https://finanzer.ai/business)

## 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](https://finanzer.ai/agent)

## Before you choose Finanzer

### Where should I start?

Start with Personal for your own money or Business for company finances. Treasury covers liquidity planning; Capital covers business financing. Agent helps explain and prepare decisions, while Developers covers APIs and integrations. Credit and investment products have separate eligibility and terms.

### Do I need to borrow or hold crypto?

You can use the account and card without choosing a credit or investment product. Stablecoin transfers, Earn and asset-backed borrowing are separate choices with their own terms.

### How is Finanzer different from a standalone card or transfer app?

The products share an account context. A purchase connects to its pending amount and reward; a business payment connects to its approval and funding source. You can then explore treasury or financing without treating each decision as an unrelated task.

### Which products can I use in my country?

Availability depends on your residence or company location and the service involved. Ask for the account, card, currency and product coverage for your market before applying.

## Your next move. Your part of Finanzer.

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

[Explore the platform](https://finanzer.ai/#start)

[Discuss your needs](https://finanzer.ai/contact)