# Frequently Asked Questions

<details>

<summary><strong>Do I need to manually convert my crypto to fiat before spending?</strong></summary>

No. Venzo Pay automatically handles the conversion at the moment of purchase, ensuring a seamless checkout experience. You can set your preferred spending order (e.g., stablecoins first, then vault redemptions) in the app settings.

</details>

<details>

<summary><strong>Are there any foreign transaction fees?</strong></summary>

Venzo Pay minimizes FX fees by utilizing our multi-currency account structure and competitive exchange rates. Standard tier users pay a small FX markup, while Gold and Platinum members enjoy lower FX fees on all transactions.

</details>

<details>

<summary><strong>Is my money safe?</strong></summary>

Yes. Venzo employs institutional-grade security measures, including multi-signature wallets, smart contract audits, and real-time fraud monitoring. Fiat balances are held with regulated banking partners and are subject to applicable deposit protection schemes.

</details>

<details>

<summary><strong>Can I use Venzo Pay in my country?</strong></summary>

Venzo Pay is initially available in select markets across Asia-Pacific, Europe, and the Middle East. We are actively expanding to new regions. Check Venzo’s official sites for the latest availability in your country.

</details>


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