# Overview

Get familiar with the Cion Digital Platform features for Finance and Payments:

{% tabs %}
{% tab title="Pay With Crypto" %}
Enable point-of-sale and e-commerce payments for purchases using the top crypto coins.
{% endtab %}

{% tab title="Finance With Crypto" %}
Facilitate full financing of an expensive purchase by pledging crypto.
{% endtab %}

{% tab title="Finance Partly with Crypto" %}
Allow financing only the down-payment of an expensive purchase by pledging crypto.
{% endtab %}

{% tab title="Borrow with Crypto" %}
Simplify direct borrowing from the Cion Loan Marketplace by pledging crypto.
{% endtab %}
{% endtabs %}

## Pay With Crypto

Facilitate end-to-end crypto payments for your customer from their wallet to the merchant's wallet with the Cion Digital platform. You can also assure instant crypto conversion to a stablecoin or local fiat to de-risk the merchant's crypto exposure.

Crypto payments details are [here](/en/platform-capabilities/crypto-payments.md). Supported coins are detailed [here](/en/fundamentals/general-information/cryptocurrencies-and-rates.md).  

## Finance With Crypto

A credit check is not required for financing with crypto. The advantages of using crypto as collateral are:

* Lower risk for loan losses due to over-collateralization
* Lower rate of interest for the borrower

Crypto lending details are [here](/en/platform-capabilities/crypto-loans.md). The countries where lending with crypto is supported are [here](/en/fundamentals/general-information/supported-countries.md). 

## Finance Partly With Crypto 

When the full payment for expensive merchandise cannot be made using crypto, financing only the down payment by pledging crypto as collateral, benefits the buyers and dealers.

## Borrow With Crypto

An individual or a business can directly borrow for any purpose by pledging crypto from the Cion Loan Marketplace.


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