# SmartPay Purchase Option

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#### Note : SmartPay machines sale will be discontinued from Aug 1st, 2025. Any customers who have previously bought a SmartPay machine should actively check for the updates regarding their orders on gitbook or Horysmall announcement channels.

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## Introduction

SmartPay is a payment feature available for eligible Homnifi Computer Devices. It allows users to purchase an XK-Computer with a partial upfront payment and automatically repay the remaining balance using daily rewards generated by the machine.

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## How SmartPay Works

SmartPay divides the payment process into three steps:

### Step 1: Initial Payment

* Users pay 20% of the device’s price up front.
* The LYK utility token fee is also required at this stage.

### Step 2: Delivery Confirmation

* The shipping fee is paid to confirm the order and trigger shipment.

**Important Note**

If you complete Step 1 but do not proceed with Step 2 (the delivery fee payment):

* Your order will not be fully confirmed and remain in “Partially Paid” status.
*  The product purchase is acknowledged, but the SmartPay order, including delivery, won't be processed.
* Crucially, the machine will not be activated on Homnifi until the second payment is made.

### Step 3: Machine Activation and Repayment

* Once order is confirmed, XK Computer is activated on Homnifi and it begins to generate rewards instantly.
* A dedicated SmartPay Wallet is created for the user.
* Rewards are automatically applied toward the remaining balance (80%).

If the daily reward is insufficient, the remaining amount is carried forward and adjusted in the following month. There are no additional interest charges or penalties during this period.

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## Why Choose SmartPay?

* ✅ Start with 20% upfront
* ✅ Repay automatically through your own rewards
* ✅ Skip the credit checks and interest
* ✅ Own a high-performance XK-Computer with lower financial risk
* ✅ Manage everything from your Homnifi dashboard

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## Payment Methods

Users can pay for their SmartPay order using the following methods:

* USDK
* USDK (Old)
* Credit Card

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## Dashboard and Tracking

Once the device is activated, users can access a dedicated dashboard that provides:

* Daily repayment status and remaining balance
* SmartPay Wallet transaction history
* Invoices and applicable terms
* Shipment tracking

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## Device Eligibility

SmartPay is only available for select physical XK-Computer models:

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**Information collected from our service partner Homnifi:**
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<table><thead><tr><th></th><th width="127.859375">AirStream</th><th>Breeze</th><th>Cyclone</th><th>Dynamo</th><th>Elevate</th><th>Flash</th></tr></thead><tbody><tr><td><mark style="color:orange;"><strong>ORIGINAL MACHINE PRICE</strong></mark></td><td>$500</td><td>$1,500</td><td>$4,500</td><td>$10,000</td><td>$25,000</td><td>$50,000</td></tr><tr><td><mark style="color:orange;"><strong>UPFRONT PAYMENT</strong></mark></td><td>$100</td><td>$300</td><td>$900</td><td>$2,000</td><td>$5,000</td><td>$10,000</td></tr><tr><td><mark style="color:orange;"><strong>TOKEN AIRDROP</strong></mark></td><td>$750</td><td>$1,500</td><td>$4,500</td><td>$10,000</td><td>$25,000</td><td>$50,000</td></tr><tr><td><p><mark style="color:orange;"><strong>CARE PACKAGE</strong></mark> </p><p><mark style="color:orange;"><strong>&#x26; SHIPPING</strong></mark></p></td><td>$140</td><td>$180</td><td>$550</td><td>$700</td><td>$1,050</td><td>$3,250</td></tr><tr><td><mark style="color:red;"><strong>PACKAGE PRICE</strong></mark></td><td><strong>$990</strong></td><td><strong>$1,980</strong></td><td><strong>$5,950</strong></td><td><strong>$12,700</strong></td><td><strong>$31,050</strong></td><td><strong>$63,250</strong></td></tr></tbody></table>

**Note:** SmartPay is not available for virtual machines.

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## Additional Notes

### Activation & Repayment:

* Rewards are applied automatically to the remaining balance.
* Carryover occurs if daily earnings are insufficient.

### Terms:

* No combined payments (e.g. USDK + other promo/gift balances).
* No cancellations or refunds after confirmation.
* Devices may be paused if non-repayment persists.

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## Disclosures

* A bonus LYK airdrop is staked to the machine after order confirmation.
* Shipment tracking is available in real time.
* Purchase is final after payment and order confirmation.
* Repayment must be completed using generated rewards; alternative payment routes are not supported.