> For the complete documentation index, see [llms.txt](https://docs.wirexpaychain.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.wirexpaychain.com/wirex-pay/wirex-pay-overview/how-wirex-pay-works.md).

# How Wirex Pay Works

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Wirex Pay simplifies the process of managing and spending digital assets through a streamlined setup and operational framework:

1. Sign Up and Setup: Users register and set up their Spending Account Abstraction (AA), integrating it with their Externally Owned Account (EOA) wallet.
2. Gain Full Control: With Wirex Pay, users enjoy self-custody of their funds, ensuring security and independence from third-party custody.
3. Customize and Secure: Users can personalize spending limits and transaction preferences, authorizing transactions based on chosen limits and balances.
4. Seamless Settlement Process: Wirex Pay manages the settlement process with Visa, Mastercard, and merchants, handling transaction complexities efficiently while users focus on spending.