> 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/glossary.md).

# Glossary

#### 3D Secure (3DS)

An additional authentication step required for online card payments.

In Anzo, all online payments require 3DS confirmation.

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#### Cross-border Transaction

A card transaction settled in a currency different from USD.

May include an FX fee.

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#### FX Fee

A percentage fee applied when a transaction is processed in a currency other than USD.

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#### KYC (Know Your Customer)

Identity verification required to access regulated features such as card issuance.

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#### Pending Transaction

A transaction that has been authorized but not yet fully settled.

Pending transactions temporarily reduce available TSP.

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#### Spending Limit

A user-defined maximum amount that a card can spend within a selected time period.

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#### Tokenization

A security process that replaces your actual card number with a secure digital token when using a digital wallet.

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#### Total Spending Power (TSP)

The total amount available for use in your Anzo wallet, displayed in USD.

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#### Virtual Card

A digital-only payment card available in the app.

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#### Wallet

Your personal account within the app that holds your balance and allows you to send, receive, and spend funds.