According to on-the-spot understanding, 16% of the payment due by merchants is entirely borne by consumers. From this perspective, merchants can still earn refunds if they operate without capital, but consumers are at risk. If you pay more (not counting the inflated price of goods) 16%. If Yunlianhui runs away before returning it, the consumer will suffer the loss, and the refund will be about 50,000% of the balance per day. This is a decreasing formula. The refund is indefinite, and it is definitely not the 100% refund within five years that the merchant said. And you have to pay a 13% handling fee when withdrawing cash, so the so-called 100% full refund, I say it is 100% a scam! If you want to get more money back, you have to keep buying its high-priced things. It means that you are paying it quickly, and it is returning money to you very slowly. When it's out of money, it's about five ten thousandths, then it's about zero. Moreover, this kind of high return in which you pay 16% and get 100% return is not protected by law, and it is invalid even if you sign a contract. Yun Lianhui said that it would use customers' money for financial management, but it didn't know that financial management is risky, so I don't think the company will last long. Of course, I will choose to buy it in the following situation: when I can buy a certain product like other consumers (a discount that should be discounted, a discount that should be offered), I will never increase the price! I will never pay that 16%!