> ## Documentation Index > Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt > Use this file to discover all available pages before exploring further. # Introduction > Create collection accounts and receive funds on behalf of your customers **Managed Payments** lets platforms and fintechs embed Tazapay's money-movement infrastructure to move funds *for their customers* without building banking rails or reconciliation in-house. Tazapay's **On Behalf Of (OBO)** infrastructure lets you create collection accounts (virtual accounts or stablecoin wallets) and receive incoming funds on behalf of each of your customers, who can be individuals or businesses. Every incoming payment is automatically attributed to the right customer, so funds are always traceable and correctly reconciled. *** ## How the pieces fit together Your customers live in your **Platform / Fintech account**. Each customer is represented by a single, reusable [Entity object](/api-reference/tazapay-api/entity), so the same customer can be used across both collections and payouts. You never onboard a customer twice.

Both flows settle into a single common [balance](/api-reference/tazapay-api/balance) held at the platform / fintech level. Collections **increase** the balance and payouts **reduce** it, so you always have one consolidated view of funds across all your customers. *** ## The end-to-end flow At a high level, collecting on behalf of a customer looks like this:

*** ## Next What KYC is required, how approval works, and the reliance model for instant transactions. Reuse verification you've already done by passing Sumsub KYC tokens to Tazapay.