> For the complete documentation index, see [llms.txt](https://venzofinance.gitbook.io/venzofinance-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://venzofinance.gitbook.io/venzofinance-docs/venzo-card/user-guide.md).

# User Guide

Getting started with Venzo Pay is a seamless process designed to minimize friction and maximize speed to first transaction.

{% stepper %}
{% step %}
**Account Creation:** Download the Venzo app and complete a streamlined KYC (Know Your Customer) process. Venzo uses AI-powered identity verification to complete KYC in under 2 minutes for most users.
{% endstep %}

{% step %}
**Card Issuance:** Upon approval, instantly generate a virtual Venzo Card and add it to your mobile wallet. Request a physical card to be mailed to your address.
{% endstep %}

{% step %}
**Funding:** Fund your account via fiat bank transfer (using your dedicated IBAN), credit/debit card top-up, or by depositing crypto/stablecoins from an external wallet.
{% endstep %}

{% step %}
**Deploy Capital:** Optionally deploy your balance into Venzo Earn vaults to start earning yield immediately.
{% endstep %}

{% step %}
**Start Spending:** Use your Venzo Card online, in-store, or at ATMs worldwide. Cashback rewards are credited instantly.
{% endstep %}

{% step %}
**Manage Preferences:** Through the Venzo app, manage card settings, view transaction history, track cashback rewards, set spending limits, and adjust security preferences.
{% endstep %}
{% endstepper %}


---

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