The Vizlink app allows the merchant to make payments using their digital wallets, in case they do not have sufficient funds in their wallet, they are able to obtain a digital, short term loan from our lending partners to pay for the goods, this loan does not require any collateral and can be repaid by the merchant at any time. The financing is shariah compliant, it can only be used on a specific invoice and the amount will not transfer to the wallet of the merchant.