# Payments

The Payments API enables lenders using Rupi to initiate stablecoin disbursements and collect repayments via ERC-20 smart debit. This closes the full credit loop on-chain: underwrite, disburse, and collect — all denominated in USDC.

The payments module is optional. Lenders who prefer to handle disbursement off-chain can use Rupi purely as a data and scoring infrastructure and manage repayment through their existing systems.

### End-to-End Flow

```
User
  └─► Rupi Connect (SIWE + OAuth)
        └─► Data Ingestion (wallet tx history + payroll records)
              └─► Fraud Filter (wash trade, circular flow, noise removal)
                    └─► VIP Engine (deterministic income match)
                          └─► Risk Score (4-pillar)
                                └─► Lender API Response (JSON)
                                      └─► [Optional] Payment Intent
                                                └─► On-chain disbursement
                                                      └─► ERC-20 repayment
```


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.rupi.global/core-documentation/editor/payments.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.