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

# how it works

## Standard personal payment flow

1. Enter recipient details (IBAN for SEPA / routing+account for ACH)
2. Enter amount and optional reference / memo
3. Fund the execution with crypto
4. Billz orchestrates conversion and rail execution
5. Receive confirmation and proof details

## Notes

* processing times vary by rail and banking conditions
* compliance checks may apply depending on jurisdiction, volume, and risk profile