> 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/overview/how-anzo-works.md).

# How Anzo Works

Anzo brings different ways of moving money into one place and makes them feel simple.

In the app, you see a single balance and a clear set of actions:

* add money
* send money
* spend with a card

Behind the scenes, routing, conversion, settlement, and supported payment rails are handled through regulated financial partners and modern payment infrastructure. You don’t need to understand how different rails, currencies, or systems work — the app abstracts that for you.

Before you confirm any action, you see:

* the total cost and any fees
* what exactly will happen to your balance
* whether additional verification is required

Nothing moves without your approval.

Pricing and any applicable requirements are shown before you confirm.