# Glossary #### 3D Secure (3DS) An additional authentication step required for online card payments. In Anzo, all online payments require 3DS confirmation. *** #### Cross-border Transaction A card transaction settled in a currency different from USD. May include an FX fee. *** #### FX Fee A percentage fee applied when a transaction is processed in a currency other than USD. *** #### KYC (Know Your Customer) Identity verification required to access regulated features such as card issuance. *** #### Pending Transaction A transaction that has been authorized but not yet fully settled. Pending transactions temporarily reduce available TSP. *** #### Spending Limit A user-defined maximum amount that a card can spend within a selected time period. *** #### Tokenization A security process that replaces your actual card number with a secure digital token when using a digital wallet. *** #### Total Spending Power (TSP) The total amount available for use in your Anzo wallet, displayed in USD. *** #### Virtual Card A digital-only payment card available in the app. *** #### Wallet Your personal account within the app that holds your balance and allows you to send, receive, and spend funds. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.anzo.app/product-guide/glossary.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.