You’re right. The product does exactly what they were asking for — faster payouts. The faster payout is funded by a short term loan, the eventual payout is used as a collateral.

The difference between a “faster payout” and “credit line” is: customer’s willingness to pay for it, and the scope goes beyond “payouts”.

The key insight behind the product was a urgent need for credit to fund the business at a predictable price.