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.