# Finanzer Finanzer AI is a brand of Intelliger LTD, company number 15205777, registered in England and Wales. Website operator and publisher: Intelliger LTD. Brand ownership does not identify the provider of each financial service. > Finanzer is a global financial platform spanning Personal, Business, Treasury, Capital, Agent and developer tools. Accounts, cards, stablecoins, payments, assets and financing connect with AI assistance and APIs. Product eligibility, supported markets, fees and service roles depend on the individual service. Product screenshots and interactive examples use illustrative data; they are not live quotes or evidence of a customer account. The linked pages distinguish available balances, pending payments, investments and credit. Credit creates repayment obligations; asset-backed borrowing carries collateral and liquidation risk. Agent prepares information and proposals subject to human approval. Markdown documents are generated from the same editorial content as the HTML pages. Developer guides describe the platform model and do not constitute an executable API contract. ## Overview - [Global Finance, Treasury & Capital](https://finanzer.ai/content/index.md): One platform for personal and business finance: accounts, cards, stablecoins, payments, treasury and capital, with Agent assistance and developer APIs. - [Pricing, Fees & Product Eligibility](https://finanzer.ai/content/pricing.md): Understand Finanzer pricing by product: accounts, cards, transfers, credit and business services. Review applicable fees and eligibility before choosing. - [Security, Access & Financial Service Roles](https://finanzer.ai/content/security.md): Learn about Finanzer account access, permissions and payment review. Understand service roles, important risks and the information to verify before using a product. - [About Finanzer: One Global Financial Platform](https://finanzer.ai/content/company.md): Meet the platform behind Finanzer Personal, Business, Treasury, Capital, Agent and developer tools. One connected approach to global finance. - [Contact Finanzer: Products, Business & Support](https://finanzer.ai/contact): Contact Finanzer about personal accounts, business services, pricing, treasury, capital or developer access. Choose a topic and describe what you need. ## Personal - [Personal Accounts, Cards, Assets & Credit](https://finanzer.ai/content/personal.md): Manage everyday money and explore longer-term choices with Finanzer: accounts, cards, transfers, digital assets, rewards, investments and credit options. - [Personal Global Accounts & Currency Balances](https://finanzer.ai/content/personal/accounts.md): Receive income, hold supported currencies and follow your spending with a Finanzer personal account. See available money, pending payments and recent activity. - [Signature Card, Cashback & Spending Controls](https://finanzer.ai/content/personal/cards.md): Explore the Finanzer signature card: in-store and online payments, eligible cashback, transaction history and card controls connected to your account. - [International Transfers & Currency Exchange](https://finanzer.ai/content/personal/transfers.md): Review international transfers with Finanzer. See the recipient amount, exchange rate, fee, payment route and estimated arrival before you confirm. - [Card Cashback & Merchant Rewards](https://finanzer.ai/content/personal/rewards.md): Follow your Finanzer cashback from eligible purchase to paid reward. Understand pending rewards, merchant offers, refunds and the terms behind each benefit. - [Daypath: Expenses Before Payday](https://finanzer.ai/content/personal/daypath.md): Explore Finanzer Daypath for eligible expenses before payday. Review the repayment date, full cost and approval requirements before taking on credit. - [Stepline: Installment Payment Options](https://finanzer.ai/content/personal/stepline.md): Explore Finanzer Stepline to repay an eligible expense in installments. Compare due dates, rates, fees and total repayment before choosing a borrowing option. - [Holdpath: Borrow Against Eligible Assets](https://finanzer.ai/content/personal/holdpath.md): Explore Finanzer Holdpath to borrow against eligible holdings without an upfront sale. Understand borrowing costs, collateral conditions and liquidation risk. - [Assets: Holdings, Access & Investment Risks](https://finanzer.ai/content/personal/assets.md): Explore assets with Finanzer. Understand ownership, custody, access, costs and risks, and keep investments distinct from everyday money and credit limits. - [Earn: Strategies, Access & Risk](https://finanzer.ai/content/personal/earn.md): Explore Finanzer Earn by comparing how a strategy works, its risks, fees and withdrawal conditions. Returns are variable and capital may be at risk. ## Business - [Business Finance, Payments, Treasury & Capital](https://finanzer.ai/content/business.md): Connect accounts, team spending, payments and approvals with treasury planning, financing options and Agent assistance for your business. - [Business Accounts & Cash Visibility](https://finanzer.ai/content/business/accounts.md): Receive business funds, hold supported currencies and track commitments with Finanzer. Separate available cash from payments waiting for approval or release. - [Team Cards & Business Spending Controls](https://finanzer.ai/content/business/cards.md): Explore Finanzer team cards for business spending. Connect the cardholder, spending controls, transaction record and expense review in one workflow. - [Business Payments & International Suppliers](https://finanzer.ai/content/business/payments.md): Prepare supplier payments with Finanzer. Review beneficiary details, funding, fees, exchange rates and approval requirements before funds are released. - [Payment Approvals & Business Permissions](https://finanzer.ai/content/business/approvals.md): Review business payments with Finanzer. Keep the invoice, beneficiary, funding account, approval policy and decision record connected before release. - [Business Expenses, Receipts & Reconciliation](https://finanzer.ai/content/business/expenses.md): Connect Finanzer business spending with receipts, the person responsible and the expense record. Review exceptions and reconcile the transaction outcome. - [Business Treasury & Liquidity Planning](https://finanzer.ai/content/treasury.md): Plan business liquidity with Finanzer Treasury. Distinguish operating cash, upcoming commitments and longer-term allocations, with access and risk in view. - [Business Capital & Financing Options](https://finanzer.ai/content/capital.md): Discuss business financing with Finanzer Capital. Start with funding purpose and timing, then review eligibility, total cost, repayment and security terms. - [Finanzer Agent: Financial Context & Proposals](https://finanzer.ai/content/agent.md): Use Finanzer Agent to explain a cash position or prepare a payment proposal. Inspect source records and permissions; authorized people retain approval. ## Developers - [Financial Platform Integrations & Developer Access](https://finanzer.ai/content/developers.md): Explore the Finanzer financial platform model for accounts, balances, payments and cards. Plan your integration and discuss documentation and sandbox access. - [Developer Guide: Plan a Finanzer Integration](https://finanzer.ai/content/developers/docs.md): Plan a Finanzer integration around customers, accounts and financial operations. Review the object model, testing needs and API contract to request. - [API Overview: Accounts, Payments & Events](https://finanzer.ai/content/developers/api.md): Understand Finanzer API domains for customers, balances, quotes, transfers, cards and events. Review the platform model before requesting the API contract. - [Sandbox Access & Integration Test Planning](https://finanzer.ai/content/developers/sandbox.md): Prepare a Finanzer sandbox request with your use case, permissions and test scenarios. Clarify environment access and production requirements before coding. - [Webhooks, Event Delivery & Reconciliation](https://finanzer.ai/content/developers/webhooks.md): Plan event handling for a Finanzer integration. Understand delivery, retries, duplicate events and reconciliation before relying on a payment outcome. ## Guides and service information - [Financial Guides: Balances & Payments](https://finanzer.ai/learn): Read practical Finanzer guides to available balances, pending card payments and completed transactions. Understand the records behind everyday money. - [Available vs Booked Balance: Pending Payments](https://finanzer.ai/learn/understanding-balances): Understand available and booked balances with a worked card-payment example. Follow pending authorizations, settlement, reversals and refunds without double-counting. - [Legal notice & disclosures](https://finanzer.ai/content/legal.md): Company information for Finanzer AI, a brand of Intelliger LTD, and the documents that explain website use and financial-service responsibilities. - [Privacy policy](https://finanzer.ai/content/legal/privacy.md): How Intelliger LTD handles personal information on the Finanzer AI website, why it is used, how long it is kept and how to exercise your privacy rights. - [Website terms of use](https://finanzer.ai/content/legal/terms.md): Terms for using the Finanzer AI website operated by Intelliger LTD, including acceptable use, product examples, intellectual property and your legal rights. - [Cookie & storage policy](https://finanzer.ai/content/legal/cookies.md): The cookies, browser storage and temporary interface data used by the Finanzer AI website, with a clear explanation of its current tracking choices. - [Product risks & important information](https://finanzer.ai/content/legal/risks.md): Understand the risks and service-specific conditions of Finanzer accounts, payments, cards, borrowing, digital assets, Earn and Agent-assisted workflows. - [Complaints & concerns](https://finanzer.ai/content/legal/complaints.md): How to raise a concern about Finanzer AI with Intelliger LTD, what information to include and where to take a privacy or financial-service complaint. ## Optional - [Complete editorial content](https://finanzer.ai/llms-full.txt): All marketing, legal and developer-guide Markdown documents in one file. - [Human-readable site map](https://finanzer.ai/sitemap): Browse the canonical pages. - [XML sitemap](https://finanzer.ai/sitemap.xml): Indexable HTML pages and their images.