> For the complete documentation index, see [llms.txt](https://yellow-umbrella.gitbook.io/yellow-umbrella/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yellow-umbrella.gitbook.io/yellow-umbrella/02-background/demand.md).

# The Need for YU Token

## **1. Limitations of Traditional Payment Systems**

Currently, most small businesses rely on credit card and mobile payment systems. However, these payment methods come with high transaction fees and lengthy settlement periods, increasing the operational burden on small business owners. For businesses with low profit margins, card transaction fees represent a significant financial burden, which can negatively impact long-term business operations.

Additionally, traditional financial systems operate under a centralized structure, which inherently slows down the resolution of payment-related issues. For example, payment errors, refund, and cancellation processes can be complex, and approval procedures required by financial institutions often make fast transaction processing challenging.

## **2. Blockchain-Based Alternative Payment Solution**

YU Token aims to resolve these issues by providing a blockchain-based payment system. By minimizing intermediaries, it reduces transaction fees and establishes a fast and secure payment environment.

Unlike traditional financial systems, YU Token operates on a decentralized network, allowing transactions to be processed in real-time. Furthermore, all records are securely stored on the blockchain, ensuring transparency and trust.

By adopting YU Token as a payment method, small businesses can reduce the burden of card transaction fees while offering a faster and safer payment experience. Additionally, customers can benefit from an incentive system that offers additional advantages during transactions.


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