> ## 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. Financial flows ## 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 | [Deposits](/financial-flows/deposits/overview) | | Move money out to crypto and fiat recipients | [Payouts](/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) | | Manage onchain capital | [Treasury management](/financial-flows/treasury-management) | This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.