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… a measure of control in order to effect, for example, freezing and/or blacklisting of accounts/wallets as … of value, with a rate of return in line with other risk-free assets, such as short-term government securities. The …

… program “allowing users to pay for purchases in interest-free installments on their debit, credit and prepaid cards.” … allows a consumer to reserve an item by making interest-free, predetermined installment payments until the item is … – to access goods and services. In general, “interest-free BNPL services and layaway are comparable in their terms …