> ## 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.

# Neobanks & Fintech Platforms

> Power payouts, treasury, or cross-border transfers for end users

Neobanks and fintech platforms use Tazapay as an embedded infrastructure layer to move money globally without building payment rails from scratch.

## How Tazapay Helps

<CardGroup cols={2}>
  <Card title="Embedded payout and balance APIs" icon="code">
    Integrate seamlessly with your existing platform
  </Card>

  <Card title="Multi-currency holding balances" icon="coins">
    Hold and manage funds in multiple currencies
  </Card>

  <Card title="Global coverage using local payout rails" icon="globe">
    Reach beneficiaries worldwide through local payment networks
  </Card>

  <Card title="Compliance, risk checks, and settlement" icon="shield-check">
    Tazapay handles regulatory requirements and fund settlement
  </Card>
</CardGroup>

## Integration Flow

<Steps>
  <Step title="Fund Tazapay Balance">
    Platform funds or receives funds into a Tazapay balance
  </Step>

  <Step title="Credit to Holding Currencies">
    Funds are credited to one or more holding currencies
  </Step>

  <Step title="Initiate Payouts">
    Platform initiates payouts on behalf of end users
  </Step>

  <Step title="FX Conversion">
    FX conversion is applied when payout currency differs
  </Step>

  <Step title="Execute Payouts">
    Tazapay executes payouts using local rails
  </Step>

  <Step title="Track & Reconcile">
    Transaction status and reconciliation are tracked via APIs and dashboard
  </Step>
</Steps>

## Payout Flow Diagram

```mermaid theme={null}
flowchart TD
    A[Employee Submits Reimbursement] --> B[Manager Review & Policy Check]
    B --> C{Approved?}
    C -->|Yes| D[Accounting Validation & Expense Mapping]
    C -->|No| E[Request Rejected\nEmployee Notified]
    E --> F[Option to Resubmit]
    D --> G[FX Conversion\nif Required]
    G --> H[Route Payment via\nLocal Banks / SWIFT / Wallets]
    H --> I[Disburse Funds to Employee]
    I --> J[Employee Notified &\nLedger Updated]

    style A fill:#e8f4e8,stroke:#333
    style B fill:#d4e5f7,stroke:#333
    style C fill:#d4e5f7,stroke:#333
    style D fill:#e8e4f4,stroke:#333
    style E fill:#fce4e4,stroke:#333
    style F fill:#fff8e6,stroke:#333
    style G fill:#e8f4e8,stroke:#333
    style H fill:#e4d4f4,stroke:#333
    style I fill:#c8e6c8,stroke:#333
    style J fill:#e8f4e8,stroke:#333
```

## APIs Involved

| Purpose               | API                                                                                | Endpoint                       |
| --------------------- | ---------------------------------------------------------------------------------- | ------------------------------ |
| View holding balances | [Fetch Balances](/api-reference/tazapay-api/fetch-balance)                         | `/v3/balances`                 |
| Create payout         | [Create Payout](/api-reference/tazapay-api/create-payout)                          | `/v3/payouts`                  |
| Track payout status   | [Fetch Payout](/api-reference/tazapay-api/fetch-payout)                            | `/v3/payouts/{id}`             |
| Reconciliation        | [Fetch Balance Transactions](/api-reference/tazapay-api/fetch-balance-transaction) | `/v3/balance_transaction/{id}` |
| Event handling        | [Webhooks](/api-reference/tazapay-api/payout-webhooks)                             | `payout.*`                     |

## Example

<Info>
  A neobank offers international payouts and multi-currency money movement to its users without building payment infrastructure in-house.
</Info>

### Using Tazapay

<AccordionGroup>
  <Accordion title="Integration Steps">
    * The neobank integrates Tazapay's payout APIs
    * User funds are routed through Tazapay's multi-currency balances
    * Cross-border transfers are executed via local payout rails
    * FX conversion, compliance checks, and settlement are handled by Tazapay
  </Accordion>
</AccordionGroup>

### Benefits

<Tabs>
  <Tab title="For the Neobank">
    * **Launch faster** — Global payout capabilities without building infrastructure
    * **Reduce complexity** — Lower operational and regulatory burden
    * **Focus on UX** — Concentrate on customer experience instead of payment infrastructure
  </Tab>

  <Tab title="Tazapay Handles">
    * Local payout execution
    * FX conversion
    * Compliance and settlement
  </Tab>
</Tabs>