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

# Clever Connect Overview

> A flexible way to manage the money flowing through your Hello Clever account, with balance models, Payments Accounts, and Treasury Accounts that fit how your business is organised.

Clever Connect gives merchants a more flexible way to manage the money flowing through their account. Instead of making every business track funds in exactly the same way, Clever Connect lets each merchant choose the structure that fits how their business is organised. In practice, that means you can keep one shared pot of money for your whole business, or separate pots for each part of it, whichever suits how you prefer to see, reconcile, and move your funds.

This section explains the concepts behind Clever Connect: the two balance models, the two account types, how to view your balances, and how money moves in and out.

<Note>
  Your balance model is chosen once, during onboarding, and cannot be changed after your account is activated. Because of that, it is worth understanding both options before you decide. See [balance models](/platform-overview/clever-concepts/balance-models).
</Note>

***

## Start here

<CardGroup cols={2}>
  <Card title="Clever Connect vs. a standard account" icon="diagram-project" href="/platform-overview/clever-concepts/clever-connect-vs-standard">
    Which account type you need, and what Clever Connect adds for platforms with merchants underneath them.
  </Card>

  <Card title="Balance management guide" icon="book-open" href="/platform-overview/clever-concepts/balance-management-guide">
    An introduction to Clever Connect, the key terms, and how onboarding sets your balance model.
  </Card>

  <Card title="Balance models" icon="scale-balanced" href="/platform-overview/clever-concepts/balance-models">
    The two ways funds can be tracked: Aggregated Balance and Dedicated Balance.
  </Card>

  <Card title="Payments Accounts" icon="store" href="/platform-overview/clever-concepts/payments-accounts">
    Sub-accounts inside your merchant account, used to accept and manage payments.
  </Card>

  <Card title="Treasury Accounts" icon="building-columns" href="/platform-overview/clever-concepts/treasury-accounts">
    Currency-specific accounts used to hold, receive, and move funds.
  </Card>

  <Card title="Viewing your balances" icon="chart-pie" href="/platform-overview/clever-concepts/viewing-balances">
    How your balances appear on the dashboard under each model.
  </Card>

  <Card title="Moving money" icon="money-bill-transfer" href="/platform-overview/clever-concepts/moving-money">
    How Settlements, Withdrawals, and Account Transfers work.
  </Card>
</CardGroup>

***

## The two key ideas

<CardGroup cols={2}>
  <Card title="Account types" icon="wallet">
    **Payments Accounts** receive and hold balances from payment activity. **Treasury Accounts** are a newer, currency-specific account for holding, receiving, and moving funds.
  </Card>

  <Card title="Balance models" icon="layer-group">
    **Aggregated Balance** keeps one shared balance across your Payments Accounts. **Dedicated Balance** keeps a separate balance for each account.
  </Card>
</CardGroup>

<Tip>
  New to Clever Connect? Read the [balance management guide](/platform-overview/clever-concepts/balance-management-guide) first, then the [balance models](/platform-overview/clever-concepts/balance-models) page; the model you choose shapes almost everything else.
</Tip>


## Related topics

- [Clever Connect vs. a Standard Account](/platform-overview/clever-concepts/clever-connect-vs-standard.md)
- [Clever Connect FAQ](/platform-overview/clever-concepts/faq.md)
- [Hello Clever Platform Overview](/platform-overview/overview.md)