> 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/verification-and-feature-access-before-after-kyc.md).

# Verification and Feature Access (Before/After KYC)

You can create and use an Anzo wallet without completing identity verification. Some regulated features require verification (KYC) and will request it when you attempt to use them.

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#### Before KYC

Before completing identity verification, you can:

* create your wallet
* sign in and secure the app
* send and receive money with other Anzo users
* send and receive digital assets on supported networks
* view your balance and Total Spending Power (TSP)
* explore available features

At this stage:

* core wallet functionality is available
* peer-to-peer transfers are enabled
* identity verification is not required

If a specific action requires verification, the app will inform you before you proceed.

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#### When KYC is required

Verification is required for features that involve regulated financial services.

This includes:

* adding funds to your account through supported payment methods
* issuing a virtual card

Different features may require different levels of verification, depending on applicable regulatory requirements.

Verification is triggered when you initiate one of these actions.

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#### After KYC

Once verification is completed (where required):

* you can add funds to your account using supported payment methods
* you can issue a virtual Anzo card
* card payments become available

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#### How KYC works in Anzo

* verification is not required to create or use a wallet
* it applies only to specific regulated features
* the app indicates when verification is required

Verification expands available functionality. Basic wallet functionality remains available without verification.