RTLs as a product have incredible potential, and they are qualified to target reputable lending businesses and SMEs, RTL as a product will provide them with compliant funding, sourced from retail. The structured state of RTLs will ensure reputable lending businesses and SMEs can confidently receive the funding that has been committed to them. Simultaneously, it ensures to retail the delivery of their swapped tokens, without reputable lending businesses and SMEs themselves acquiring the principal funds. Fiat on-ramps to the platform must be built powered by the NEPRI Clearer, A community deployed DApp which provides a borderless, peer-to-peer, fiat-to-crypto ‘Clearer Network' that allows Stakeholders to find nearby users to exchange their cash for nYUSD and currency. nYUSD is required to become a seller in the network.