Sellers can opt-in for the retention option while offering a receivable for sale on the WALBING platform. Where retention is allowed, the receivable can be purchased with or without retention, depending on the investor and fund's requirements. Retention means that, after a receivable is sold, the seller receives 90% (minus discount) of the receivable total. The remaining 10% is paid out once the debtor settles the payment. Nevertheless, del credere risk is transferred to the investor in full. We recommend sellers allow retention for larger value receivables.