# Key Concepts

You don’t need a finance or crypto background to use Anzo.

But there are a few concepts that help make sense of how things work.

**Single balance, clear view**

Your balance is shown in USD, so you always have a clear sense of your spending power. Any underlying currencies or digital assets are handled in the background according to the applicable rates and rules.

**Money leaves your balance in two ways**

Whenever value leaves your Anzo balance, it happens in one of two ways:

* you send it (to another user or wallet), or
* you spend it (using your Anzo card online or in-store).

In both cases:

* the amount is deducted from your **Total Spending Power (TSP)** — the single number that represents how much you can use at any moment
* you see the impact on your balance
* the transaction follows the rules of the selected method — whether that means an instant in-app transfer, a network-based transfer to an external wallet, or card network authorization.

The action changes — the balance logic stays the same.

**You stay in control**

Anzo does not move your money on its own initiative. Adding money, transfers, and card spending are either initiated by you in the app, or triggered by you using your card at a merchant. The app shows what will happen and asks you to confirm before a transaction is submitted.

**Verification is action-based**

Identity and account verification are requested when required for a specific action — for example, issuing a card, or sending certain types of payments. When this happens, the app explains what is needed and why, before you start the process.

The rest of this guide walks through each part of Anzo step by step, so you always know what to expect and what’s happening with your money.


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