According AFY's website they do assume the credit risk
"Zero fraud or credit risk
Afterpay assumes all end-customer non-payment risk for every single transaction."
https://www.afterpay.com.au/for-merchants/
Its a humongous risk they may have a magic formula for managing and this is the secret, but no escaping that they take on this risk.
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According AFY's website they do assume the credit risk "Zero...
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