# 📚 Core Concepts

- [Architecture Overview](/merso-docs/core-concepts/architecture-overview.md)
- [PNPL Architecture](/merso-docs/core-concepts/architecture-overview/pnpl-architecture.md)
- [Upfront Payments Architecture](/merso-docs/core-concepts/architecture-overview/upfront-payments-architecture.md)
- [Smart contracts](/merso-docs/core-concepts/smart-contracts.md)
- [PNPL Smart Contracts](/merso-docs/core-concepts/smart-contracts/pnpl-smart-contracts.md)
- [Upfront Payment Contracts](/merso-docs/core-concepts/smart-contracts/upfront-payment-contracts.md)