> ## Documentation Index > Fetch the complete documentation index at: https://docs.zbdpay.com/llms.txt > Use this file to discover all available pages before exploring further. # Embedded Accounts Overview > Give players a balance inside your game they can earn into, spend, send, and cash out. ZBD holds the accounts, the ledger, and the money movement, so you can focus on the economy itself. ## What it's for Game economies running on your own currency. Player-to-player trading and marketplaces. Creator and mod marketplaces with revenue splits. Rewards players can spend as well as redeem. ## How it works ```mermaid theme={null} flowchart LR A[Value enters] --> B[User balance] B --> C[Purchases, transfers, marketplace sales] C --> B B --> D[Cash out] ``` 1. [**Create users**](/embedded-accounts/accounts-and-balances)**.** A user is the person holding a balance. You create them from your backend with your own identifier for that player. 2. [**Credit their balance**](/embedded-accounts/credits)**.** You're either giving value out, or crediting a player for currency they bought through a platform store. 3. [**Players spend, send, and trade**](/embedded-accounts/spending)**.** In-game purchases, transfers between players, and marketplace sales with the revenue split between the parties. 4. [**Players cash out**](/embedded-accounts/cash-out)**.** The balance converts to real money and settles to the payment method the player chose. ## Currencies The ledger holds real-world fiat and any virtual currency you define. An economy can run on either or both. A player has one balance per currency, and it's the same balance in every one of your games. A currency you define works differently from fiat. You issue it, you agree with ZBD what it's worth in each direction, and you decide whether it converts back to money. [Currencies](/embedded-accounts/currencies) covers what to set up before launch. ## Buying through a platform store When a player buys currency through a platform store, you credit them the amount that purchase is worth, and they have it right away. The credit is recorded immediately, with no funds needed at that point. Your funding has to cover value when players cash it out. ## Is this the right fit Embedded Accounts suits economies where value moves in more than one direction inside your game. It's a good fit if: * Players earn into, spend from, and top up a balance * You'd like ZBD to hold the ledger so you don't have to build and reconcile one If you already run a mature ledger, or players only earn and withdraw, [Embedded Payouts](/embedded-payouts) is usually the simpler option. ## What ZBD handles * Accounts, balances, and the ledger * Currency definition and conversion * Identity verification and tiering * Sanctions and watchlist screening * Cash out rails, FX, and settlement ## Start here Users, accounts, and how balances move. Fiat and virtual currencies, and what to set up before launch. Grant value: rewards, platform store purchases, and adjustments. Convert balances to real money and settle to payment methods. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.