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

# Choose your use case

> Choose a Fintoc Transfers pattern for five business scenarios, from dedicated Account Numbers to bulk payouts.

These guides help you choose among five transfer patterns. Each guide explains when to use a pattern, how it works, and which reference pages to read. In Mexico, an Account Number is a standardized Mexican bank account number (CLABE). For API payloads, see [Receive transfers](/guides/transfers/inbound-transfers) and [Send transfers](/guides/transfers/outbound-transfers). Choose the pattern that matches your goal:

| Goal                                                   | Pattern                                                                                                                      | Best for                                                     |
| ------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------ |
| Receive transfers and automatically identify who paid  | [Payins on dedicated Account Numbers](/guides/transfers/transfers-use-cases/collect-payments-with-dedicated-account-numbers) | Lending, insurance, software as a service, marketplaces      |
| Send money from your Fintoc balance                    | [Payouts to users or suppliers](/guides/transfers/transfers-use-cases/send-payouts-to-users-or-suppliers)                    | Loan disbursements, refunds, vendor payments                 |
| Give every end user their own balance                  | [Wallet for end users](/guides/transfers/transfers-use-cases/run-a-wallet-for-end-users)                                     | Neobanks, gig platforms, business-to-business marketplaces   |
| Pay 10 to 5,000 people at once                         | [Payroll or bulk payouts](/guides/transfers/transfers-use-cases/run-payroll-or-bulk-payouts)                                 | Monthly payroll, supplier runs                               |
| Check Account Number ownership before sending a payout | [Verify an Account Number before sending a payout](/guides/transfers/transfers-use-cases/verify-a-clabe-before-paying-out)   | User-entered destinations, peer-to-peer payments, onboarding |

## Availability in Chile

The following reconciliation features are available only in Mexico: dedicated Account Numbers per customer, `options.min_amount`, `options.max_amount`, CLABE verification, and inbound transfer returns. In Chile, inbound transfers arrive at the default Account Number for the `Account`. Reconcile inbound transfers using `counterparty.holder_id` and `comment`.

Each use case page identifies the steps that apply in each country.

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