> For the complete documentation index, see [llms.txt](https://docs.anzo.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.anzo.app/product-guide/getting-started/total-spending-power-tsp.md).

# Total Spending Power (TSP)

Your **Total Spending Power (TSP)** represents the total amount you can use in Anzo at any given moment.

It is the **single balance** used for:

* sending money
* spending with your card
* completing payments

TSP is displayed in **USD**.

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#### What is included in TSP

TSP includes all funds that are available for use in your Anzo wallet, including:

* money received from other users
* funds added through supported methods
* amounts that have completed processing and are available

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#### Why TSP is shown in USD

USD is used as a reference currency to provide a consistent balance view.

This means:

* your available amount is displayed in a single currency
* transactions are reflected against one unified balance
* you can see the impact of any action immediately

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#### How TSP is used

TSP is applied whenever you:

* send money to another user
* send funds outside Anzo
* pay with your Anzo card

Before confirming any action, the app shows:

* how much of your TSP will be used
* how the transaction will affect your balance

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#### What TSP is not

Your Total Spending Power:

* is not a traditional bank account balance
* does not require managing multiple currencies manually
* does not require understanding the underlying technical setup

It represents the amount currently available for use.

***

#### When TSP changes

TSP updates automatically when:

* funds are received
* money is sent or spent
* previously pending amounts become available or unavailable

If part of your balance cannot be used, the app indicates this before you confirm a transaction.