How do the refundable payments work?

When a user requests an advance they have the option to protect themselves from price volatility with the option to receive a refund on the principal payments made on their Bitcoin advance payments.  When selecting this option the interest rate on the advance will be increased from 15% to 22%.  A refund request can be made up to 48 hours after the 2nd to last payment.  

As a cryptocurrency-native platform refunds will only be issued in a stablecoin cryptocurrency.  Refunds may be issued in any of the following stablecoins-

USDC, USDT, BUSD, DAI, UST

For more information on what a stablecoin is see here- https://www.youtube.com/watch?v=k4znGA7JnLU