> ## Documentation Index
> Fetch the complete documentation index at: https://docs.services.payward.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Concepts

> Understand the terms and relationships shared across Payward Services integrations.

Use these concepts to understand who an operation acts on, how funds move, and what its result means.

<CardGroup cols={2}>
  <Card title="Users, accounts, and ownership" href="/tabs/concepts/users-and-accounts">
    Distinguish API users and Payward accounts from external bank accounts and wallets.
  </Card>

  <Card title="Verification, permissions, and eligibility" href="/tabs/concepts/verification-and-eligibility">
    Understand why valid credentials and verified identity don't necessarily make every operation available.
  </Card>

  <Card title="Assets, networks, and payment routes" href="/tabs/concepts/assets-and-payment-routes">
    Separate the asset you move from its network, payment rail, and destination.
  </Card>

  <Card title="Moving money and exchanging assets" href="/tabs/concepts/money-movement">
    Compare transfers, swaps, and conversions. Distinguish a market price from an executable quote.
  </Card>

  <Card title="Transaction lifecycles and settlement" href="/tabs/concepts/transaction-lifecycles">
    Distinguish an accepted request, an active rule, and a completed movement of funds.
  </Card>
</CardGroup>