To send funds (USD or cryptocurrency) to your friend on Anchor, navigate to the middle tab of the app ("Move") and enter the desired transfer amount. You'll then be prompted to input the email address or phone number of your contact, and confirm the desired transfer currency.
If your contact already has an Anchor account, funds will appear instantly in his or her balance.
If your contact does not have an Anchor account, he or she will be prompted to create one, in order to receive the transaction.