> 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/sending-money/whats-the-difference-between-these-options.md).

# What’s the Difference Between These Options?

Anzo gives you different ways to send money, depending on **who you’re sending to** and **how they want to receive it**.

All options use the same balance, but differ in speed, cost, and required details.

#### Send to another Anzo user

Use this option when the recipient already uses Anzo.

* instant transfer
* **no fees**
* send using a username
* simplest and fastest option

Best for quick, everyday transfers between Anzo users.

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#### Send to a non-Anzo user (digital assets)

Use this option when the recipient uses another wallet or service outside Anzo.

* requires a wallet address
* you choose the asset and network
* transfers can’t be reversed
* network fees may apply

Best when the recipient expects to receive digital dollars in their own wallet.

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#### Choosing the right option

If you’re not sure which option to use:

* **Anzo user?** → Send to Anzo user
* **Wallet address?** → Send digital assets