> 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/money-movement/how-money-moves-in-anzo.md).

# How Money Moves in Anzo

Anzo uses a single balance model to manage all incoming and outgoing transactions.

All funds that enter your wallet are reflected in your **Total Spending Power (TSP)**, shown as a single USD balance.

Behind the scenes, funds are settled in **USDC on the Arbitrum network**, but the app always displays your available balance in USD for simplicity.

Every transaction — whether incoming or outgoing — updates this balance.

Money in Anzo can:

* be received
* be sent to another user
* be sent outside Anzo
* be used for card payments (where available)

Before you confirm any transaction, the app shows:

* the amount being used
* any applicable fees
* the expected outcome

Transactions are processed according to the selected method and applicable regulatory requirements.