Lokesh Parakh

It's an awesome product! Congrats on launch. I'm curious to learn more about this product and have few questions, if I may ask: 1. Do you integrate with each bank one on one? 2. How do you process refunds? 3. How do you mitigate against fraud? 4. What's the dispute resolution mechanism? 5. Is the merchant settled in real time? 6. Is the merchant settled by Dapi or Bank?