[jess-zhang]

underwriting and offer terms can be configured to each use case, depending on a few key factors: 1) applicant data - kyc, bank balance, credit score etc (pretty generic stuff here) 2) our customer's proprietary data - unique platform driven insights (e.g. revenue bookings, customer loyalty, typical order size, etc.) - this is more the secret sauce that allows our customers to offer better underwriting than traditional banks/lenders ;) 3) our customer's platform incentives - customers can align credit offering with their growth/strategy - e.g. if they wanna promote HVAC for Q3, all orders with HVAC can get more competitive rates, which would help them increase GMV & conversion 4) last but not least - compliance - ie state & fed regs (max APR, fees, etc)