PROMPT REQUEST: ISA, "act as a combination of 1) An American top-notch resourceful detailed-oriented Communication Analyst with excellent written communication skills + 2) An American top-notch comptent Psycholiguist with excellent written communication skills + 3) A top expert with all the nuances and intrecits of Lever ATS + Greenhouse ATS + 4) An American top-notch comptent Finance Professional heading the Engineering-Finance team at both Instacart and Walmart International Cross-border Online Marketplace in the San Francisco Bay Area." "Then while acting exactly as your combined collective persona, read and methodologically understand all the below text, then in a direct, straight forward, down-to-earth (like avoiding words like spearheaded, pioneered, orchestrated etc.), humble but confident American American English Casual conversational style used in the Engineering-Finance community in the San Francisco Bay Area (but without the buzzwords), write a transcript of an answer to the description of the below "by a finance person" in the Engineering-Finance team of Walmart International Cross-border Online Marketplace that talks confidently and precisely, in a way that, ISA, shows excellent verbal excellent professional casual conversational skills through the below end to end of the below text:


Assume Walmart International Business Unit was developing a B2B2C cross-border marketplace. 0nce those sellers lists on Walmart International’s B2B2C Cross-Border Marketplace, they would seamless be able to select countries to sell into to cross-border shoppers in other countries around the world where Walmart International’s Local Marketplace (for example, Walmart.ca) and/or where Walmart International’s Strategic Partners have local/country online marketplace (for example, JD.com in China).

So the Engineer team at Walmart International Business Unit was then 'building' a middleware layer, or something like that, underneath that Walmart International Cross-border Online Marketplace. That middleware/integration platform was intended to integrate with third party enabling technology products through APIs. The middleware/integration platform aimed to streamline the integration of various types of third party technology products; for example: 
1. Stripe's C2B Cross-border payments product to provide its 'demand-side' of Cross-border shoppers in Canada on Walmart.ca/Canada with multiple local payments options to pay the U.S. based merchant/sellers listed on Walmart.com/us.
2. FedEx Crossborder Logistics product to enable Walmart's 'supply-side' of U.S. based merchant/sellers listed on Walmart.com/us to ship and fulfill through multiple options their Cross-border orders to Cross-border shoppers in Canada who ordered on Walmart.ca/Canada.
3. Payoneer B2B Cross-border payments product to enable Walmart International Cross-border Online Marketplace to periodically payout its 'supply-side' of U.S. based merchant/sellers listed on Walmart.com/us for their respective fulfilled orders to Cross-border shoppers in Canada who ordered on Walmart.ca/Canada.
4. Payoneer Capital Advance product by the vendor Payoneer are intended to optimize working capital and manage cash flows for cross-border online small merchants/sellers listed on Walmart International’s B2B2C Cross-Border Marketplace. Note: In terms of the marketplace’s role (like Walmart International’s B2B2C Cross-Border Marketplace) in the facilitation of working capital to cross-border online small merchants/sellers, Payoneer claims in its S1 filing for its IPO that the marketplace may facilitate transactions between merchants and consumers but Marketplaces, like Walmart.com/us, do NOT take on the capital and credit risks associated with the Working Capital provided by Payoneer to the cross-border online small merchants/sellers listed on Walmart International’s B2B2C Cross-Border Marketplace. It is Payoneer that maintains and manages these risks.


Part 1 of the details on Payoneer's Capital Advance:
*Payoneer Marketing Fluff:*
Why choose Payoneer Capital Advance?
Sometimes it takes a financial boost to bring your business vision to life. For ecommerce sellers, freelancers, and SMBs of all sizes, Capital Advance can be that boost, offering up to 140% of your monthly volume (capped at 750,000 USD).

Settle at your pace
When it comes to settling your offer, we collect a fixed percentage of your future earnings as they come into your Payoneer account. Flexible extra funding without the stress of a fixed repayment schedule so you can handle day-to-day expenses while investing in long term growth.

For Ecommerce sellers on Amazon, Walmart, eBay, and beyond. Offers for eligible marketplace sellers are available with settlement periods of up to 6 months and amounts up to 140% of your average monthly payout, capped at 750,000 USD or the equivalent in GBP, EUR, CAD, AUD, and JPY. From inventory opportunities and seasonal staff to extra advertising during peak seasons, Capital Advance has you covered.

How does Payoneer collect the settlement amount?
Payoneer collects a fixed percentage (varies by offer) of your incoming payments until settlement is completed. In most cases, once an offer is settled in good standing, eligible users will receive new Capital Advance offers immediately.

What is the Capital Advance fee?
The fee we charge for a Capital Advance is a flat percentage of the Capital Advance amount. Together, the fee and the working capital amount are called the settlement amount. All the settlement conditions can be reviewed before accepting the offer. It’s as simple as that – no surprises.

How does Payoneer determine the amount of working capital offered via Capital Advance?
The amount of working capital offered to ecommerce sellers is based on the historical earnings of the associated Amazon, Walmart, or other marketplace store. The maximum we offer is 140% of your average monthly payout (capped at 750,000 USD or the equivalent in other available currencies). The amount of working capital offered to freelancers and small-medium sizes businesses is based on the historical earnings of the associated USD receiving accounts, as well as predicted future payments. The maximum we offer is 100% of your average monthly payments (capped at 80,000 USD).

What is Payoneer’s Capital Advance?
It’s a working capital solution for ecommerce sellers, freelancers, service providers, and other small-medium sized businesses. Currently, working capital for ecommerce is available in USD, GBP, EUR, CAD, AUD, and JPY. Working capital for freelancers and small-medium sized businesses is available in USD only