Working capital is key to successful online sales, but banks do not understand ecommerce and do not provide working capital to online stores. While over 5,000 online stores opened in Poland in the last 12 months, none received working capital from banks. Banks rely on balance sheets and a lengthy application process, which does not match the seasonality and swiftness needed for ecommerce. Alternatively, Monethero understands ecommerce and provides up to 2 million credit lines that can be accessed on demand with weekly installments and using cash flow as security through an automated blockchain-based system with constant credit scoring.