allocation and use of the platform is entirely at the buyer's discretion - there are no fixed fees, maintenance fees or any commitment of use. In the case of companies that do not have liquid cash or that have some restrictive policy to use the cash, our system can also be used as a pricing tool to offer credit through risk drawn or FIDC. The main difference vis-a-vis prepayment gateways is that we treat each vendor in a specific way - we do this through a dynamic discount rate, which varies from transaction to transaction, thus avoiding adverse selection effects. In the text below we explain better.