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

# Operate on your customers' accounts

> Register or connect your customers, get a token scoped to each of them, and run the exact same APIs you already use on your own account.

## Two token paths, one API

<Columns cols={2}>
  <Card title="Your own account" icon="user" href="/get-started/api-credentials">
    `API credentials` → `Your token`

    You use API keys to mint a User Access Token for your account.
  </Card>

  <Card title="A customer's account" icon="users" href="/client-facing-o-auth-grant-flow">
    `OAuth grant` → `Their token`

    Customers authorize your app, and Fluz returns a token scoped to their account.
  </Card>
</Columns>

<Note>
  From there, `createVirtualCard` is `createVirtualCard` — no separate platform API to learn.
</Note>

## Onboard and connect customers

<Steps>
  <Step title="Create your OAuth app" icon="app-window">
    Configure your app, redirect URIs, and scopes in the dashboard. [Create an OAuth app →](/create-an-o-auth-app)
  </Step>

  <Step title="Register or connect the customer" icon="id-card">
    New customers: register individuals or businesses with built-in KYC and KYB. Existing Fluz users: send them through the grant flow. [User registration →](/user-registration) · [KYC verification →](/user-kyc-verification)
  </Step>

  <Step title="Exchange the grant for a token" icon="key">
    The customer authorizes your app; you exchange the code for a token scoped to their account. [Grant flow →](/client-facing-o-auth-grant-flow) · [Exchange the code →](/exchange-an-o-auth-authorization-code)
  </Step>

  <Step title="Run the APIs you already know" icon="play">
    Send the customer-scoped token instead of your own. Everything else is identical. [Refresh tokens →](/refresh-o-auth-access-token)
  </Step>
</Steps>

## What you can do on connected accounts

Every capability applies as written when you use a customer-scoped token.

<CardGroup cols={3}>
  <Card title="Virtual cards" icon="credit-card" href="/features/virtual-cards" />

  <Card title="Gift cards" icon="gift" href="/purchase-gift-card" />

  <Card title="Wallets & transfers" icon="wallet" href="/features/spend-accounts" />

  <Card title="Funding sources" icon="coins" href="/features/funding-sources" />

  <Card title="Transactions" icon="list" href="/features/get-all-transactions" />

  <Card title="Authorized users" icon="users" href="/features/create-authorized-users" />
</CardGroup>