> ## Documentation Index
> Fetch the complete documentation index at: https://docs.privy.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Financial flows

> Use Privy APIs to fund, move, grow, and spend the balance in a user or business account

Once users and businesses have wallets, they will need to manage their money. Privy delivers a full suite of financial services via a single API, so your team can offer a financial account without building payments infrastructure from scratch or taking custody of funds.

<img src="https://mintcdn.com/privy-c2af3412/7cXr-D-UUALqEUgn/images/financial-flows-overview.png?fit=max&auto=format&n=7cXr-D-UUALqEUgn&q=85&s=d74db0776a1c797df2c09a07c8f10031" alt="Financial flows" width="3686" height="2633" data-path="images/financial-flows-overview.png" />

## Build a full financial platform

Developers can offer a full suite of financial services in-app, powered by the Privy API. These building blocks power neobanks, global payments providers, and treasury platforms, including Ramp and Deel.

| Capability                                     | Build it with                                 |
| ---------------------------------------------- | --------------------------------------------- |
| Hold funds                                     | [Wallets](/wallets/overview)                  |
| Move money in from crypto and fiat sources     | [Funding](/financial-flows/deposits/overview) |
| Move money in out to crypto and fiat recipient | [Funding](/financial-flows/payouts/overview)  |
| Earn yield                                     | [Earn](/wallets/actions/earn/overview)        |
| Spend at any merchant                          | [Cards](/financial-flows/cards/overview)      |
| Convert between assets                         | [Trade](/wallets/actions/swap/overview)       |
| Collect fees                                   | [Monetization](/financial-flows/monetization) |