# Guides

Dive into the core concepts and integrate specific features.

### Common workflows

- [**Book Transfers and Holds**](/guides/book-transfers-and-holds) — A book transfer, by default, will move money from one of your Column accounts to another instantaneously.
- [**Overdrafts**](/guides/overdrafts) — Learn how to handle situations where the amount of an outgoing transfer can exceed the balance of the underlying bank account.
- [**Two Legged Transactions**](/guides/two-legged-transactions) — Learn more about money movement operations that require two steps to get funds where they need to go.
- [**Going Live**](/guides/going-live) — Get the details about steps you must take to get a live Column environment enabled and start moving real money.

### Technical guides

- [**Getting Started**](/guides/getting-started) — Build a basic payment workflow consisting of a wire, a book transfer, and an ACH credit with Column's APIs.
- [**Sandbox and Testing**](/guides/sandbox-and-testing) — Learn how to use our sandbox environment to test our APIs and learn how Column works.
- [**Reporting**](/guides/reporting) — Use settlement reports to reconcile your internal data with Column's ledger. Available in CSV, JSON, and Parquet formats.
- [**KYC/KYB**](/guides/kyc-kyb) — Bring your own KYC/KYB process, or use our KYC/KYB verifications with support for manual reviewing.

### Use cases

- [**Payment Origination**](/guides/payment-origination) — Originate wires, ACH and book transfers, and store money in an FBO account for your customers.
- [**Bank Accounts**](/guides/bank-accounts) — Programmatically open and manage FDIC insured bank accounts at Column on behalf of your customers. We support FBO, sweep, clearing and custom account types.
- [**Card Programs**](/guides/card-programs) — Build a card program with Column to offer your customers any type of card. We work with all major networks and issuer processors.
- [**Loan Origination**](/guides/loan-origination) — Partner with Column on lending to provide a variety of credit products to your customers.

### Informational guides

- [**Intro to Card Issuing**](/guides/intro-to-card-issuing) — Whether you're interested in launching a consumer debit card, a commercial credit card, or something in between.
- [**Roles & Permissions**](/guides/roles-and-permissions) — Set up roles and permissions to control access to your Column environment.
- [**Bank Statements**](/guides/statements) — Column automatically produces monthly statements for all open bank accounts on your platform.