# Capabilities

Capabilities define what payment functionality is available to a Moov account.

Capabilities give you granular control over your users' payment functionality while ensuring compliance with financial regulations and payment network requirements.

Each capability unlocks a specific payment functionality, for example, collecting card payments or sending instant bank transfers. Capabilities come with [verification](/guides/accounts/requirements/identity-verification/) and [underwriting](/guides/accounts/requirements/underwriting/) requirements that must pass before they're enabled.

When enabled, capabilities allow accounts to:

- **Collect funds:** Pull customer payments via cards, digital wallets, or ACH
- **Send funds:** Push payouts via ACH, instant bank transfers (RTP), or card networks
- **Money transfer:** Move funds between cards for account funding, me-to-me, or P2P use cases
- **Wallet:** Store funds on the Moov platform
- **Card issuing:** Issue and manage virtual prepaid cards

The `transfers` capability is automatically enabled for all Moov accounts. The `wallet.balance` capability is automatically requested when any collect, send, money transfer, or card issuing capability is enabled.