Regarding the developer-friendly API integration, for new users, it could be a little bit complicated. It could be better if there were two options for progressive developers and strong developers, and for juniors. But in general, I can give good feedback about using Stripe Payments platform. It was not very complicated to figure out how to use this platform, how to make webhooks, trigger events, and it offers many options that you can implement. I cannot comment on fraud features because I don't have much experience using this feature of Stripe Payments. Perhaps after a few months of additional experience, I will have more insights to share. There are still many things that I haven't discovered, and it's difficult to say what could be improved. Everything is fine at this point.