{"id":4041,"date":"2025-12-16T14:51:54","date_gmt":"2025-12-16T14:51:54","guid":{"rendered":"https:\/\/theinformantusa.com\/?p=4041"},"modified":"2025-12-16T14:51:58","modified_gmt":"2025-12-16T14:51:58","slug":"%e2%9d%97%f0%9f%92%b3%f0%9f%8f%a6-paypal-applies-to-become-a-bank","status":"publish","type":"post","link":"https:\/\/theinformantusa.com\/?p=4041","title":{"rendered":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK"},"content":{"rendered":"\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>The application is a significant move in PayPal&#8217;s strategy to expand its role in the global financial system.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PayPal has formally applied to become a bank, a move that could expand its offerings beyond digital payments into more traditional financial services.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PayPal has officially applied for a banking license, marking a pivotal moment in its evolution from a digital payment platform to a full-fledged financial institution. The application, filed with U.S. regulators, seeks approval to offer more traditional banking services to its millions of customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The move comes as PayPal looks to expand its financial product offerings, including loans, savings accounts, and other banking services. By becoming a bank, PayPal would be able to hold deposits, offer lending services, and operate more independently within the financial sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This application is part of PayPal&#8217;s broader strategy to diversify beyond digital payments. The company has seen increasing competition from traditional banks and fintech startups offering similar services, and this move would allow PayPal to compete on a level playing field.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the application is still under review, the process is expected to take several months. PayPal\u2019s proposal has the potential to reshape the digital finance industry, particularly in the areas of consumer lending, interest-bearing accounts, and secure payment processing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial experts believe that if PayPal\u2019s application is approved, it could significantly disrupt the banking sector, particularly with regard to how consumers access financial services. PayPal\u2019s vast customer base and established reputation could help it gain a foothold in the banking world much faster than traditional banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The decision on PayPal\u2019s banking application will be made by U.S. regulators, and further details about the approval process will be released in the coming months.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The application is a significant move in PayPal&#8217;s strategy to expand its role in the global financial system. PayPal has formally applied to become a bank, a move that could expand its offerings beyond digital payments into more traditional financial services. PayPal has officially applied for a banking license, marking a pivotal moment in its [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4042,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[504,2092,2090,2091,2093,2089,368],"class_list":["post-4041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-breaking-news","tag-digital-banking","tag-financial-services","tag-fintech-news","tag-paypal-banking","tag-paypal-news","tag-theinformantusa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/theinformantusa.com\/?p=4041\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA\" \/>\n<meta property=\"og:description\" content=\"The application is a significant move in PayPal&#8217;s strategy to expand its role in the global financial system. PayPal has formally applied to become a bank, a move that could expand its offerings beyond digital payments into more traditional financial services. PayPal has officially applied for a banking license, marking a pivotal moment in its [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/theinformantusa.com\/?p=4041\" \/>\n<meta property=\"og:site_name\" content=\"The Informant USA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61575215453941\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-16T14:51:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-16T14:51:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah-1024x683.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"THE INFORMANT USA EDITORIAL\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TheInformantUSA\" \/>\n<meta name=\"twitter:site\" content=\"@TheInformantUSA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"THE INFORMANT USA EDITORIAL\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041\"},\"author\":{\"name\":\"THE INFORMANT USA EDITORIAL\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#\\\/schema\\\/person\\\/a225d759aad5f3e3286992983049831b\"},\"headline\":\"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK\",\"datePublished\":\"2025-12-16T14:51:54+00:00\",\"dateModified\":\"2025-12-16T14:51:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041\"},\"wordCount\":294,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png\",\"keywords\":[\"breaking news\",\"digital banking\",\"financial services\",\"fintech news\",\"PayPal banking\",\"PayPal news\",\"TheInformantUSA\"],\"articleSection\":[\"BUSINESS\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041\",\"url\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041\",\"name\":\"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png\",\"datePublished\":\"2025-12-16T14:51:54+00:00\",\"dateModified\":\"2025-12-16T14:51:58+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/theinformantusa.com\\\/?p=4041\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#primaryimage\",\"url\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png\",\"contentUrl\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png\",\"width\":1536,\"height\":1024,\"caption\":\"PayPal Applies for Banking License \u2014 What This Means for Digital Finance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/?p=4041#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/theinformantusa.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#website\",\"url\":\"https:\\\/\\\/theinformantusa.com\\\/\",\"name\":\"The Informant USA\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/theinformantusa.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#organization\",\"name\":\"The Informant USA\",\"url\":\"https:\\\/\\\/theinformantusa.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/THE-INFORMANT-USA-OFI-B.png\",\"contentUrl\":\"https:\\\/\\\/theinformantusa.com\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/THE-INFORMANT-USA-OFI-B.png\",\"width\":1080,\"height\":1080,\"caption\":\"The Informant USA\"},\"image\":{\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/profile.php?id=61575215453941\",\"https:\\\/\\\/x.com\\\/TheInformantUSA\",\"https:\\\/\\\/www.instagram.com\\\/theinformantusa\\\/\",\"https:\\\/\\\/www.tiktok.com\\\/@theinformantusa\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/theinformantusa.com\\\/#\\\/schema\\\/person\\\/a225d759aad5f3e3286992983049831b\",\"name\":\"THE INFORMANT USA EDITORIAL\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g\",\"caption\":\"THE INFORMANT USA EDITORIAL\"},\"url\":\"https:\\\/\\\/theinformantusa.com\\\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/theinformantusa.com\/?p=4041","og_locale":"en_US","og_type":"article","og_title":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA","og_description":"The application is a significant move in PayPal&#8217;s strategy to expand its role in the global financial system. PayPal has formally applied to become a bank, a move that could expand its offerings beyond digital payments into more traditional financial services. PayPal has officially applied for a banking license, marking a pivotal moment in its [&hellip;]","og_url":"https:\/\/theinformantusa.com\/?p=4041","og_site_name":"The Informant USA","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=61575215453941","article_published_time":"2025-12-16T14:51:54+00:00","article_modified_time":"2025-12-16T14:51:58+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah-1024x683.png","type":"image\/png"}],"author":"THE INFORMANT USA EDITORIAL","twitter_card":"summary_large_image","twitter_creator":"@TheInformantUSA","twitter_site":"@TheInformantUSA","twitter_misc":{"Written by":"THE INFORMANT USA EDITORIAL","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/theinformantusa.com\/?p=4041#article","isPartOf":{"@id":"https:\/\/theinformantusa.com\/?p=4041"},"author":{"name":"THE INFORMANT USA EDITORIAL","@id":"https:\/\/theinformantusa.com\/#\/schema\/person\/a225d759aad5f3e3286992983049831b"},"headline":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK","datePublished":"2025-12-16T14:51:54+00:00","dateModified":"2025-12-16T14:51:58+00:00","mainEntityOfPage":{"@id":"https:\/\/theinformantusa.com\/?p=4041"},"wordCount":294,"commentCount":0,"publisher":{"@id":"https:\/\/theinformantusa.com\/#organization"},"image":{"@id":"https:\/\/theinformantusa.com\/?p=4041#primaryimage"},"thumbnailUrl":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png","keywords":["breaking news","digital banking","financial services","fintech news","PayPal banking","PayPal news","TheInformantUSA"],"articleSection":["BUSINESS"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/theinformantusa.com\/?p=4041#respond"]}]},{"@type":"WebPage","@id":"https:\/\/theinformantusa.com\/?p=4041","url":"https:\/\/theinformantusa.com\/?p=4041","name":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK - The Informant USA","isPartOf":{"@id":"https:\/\/theinformantusa.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/theinformantusa.com\/?p=4041#primaryimage"},"image":{"@id":"https:\/\/theinformantusa.com\/?p=4041#primaryimage"},"thumbnailUrl":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png","datePublished":"2025-12-16T14:51:54+00:00","dateModified":"2025-12-16T14:51:58+00:00","breadcrumb":{"@id":"https:\/\/theinformantusa.com\/?p=4041#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/theinformantusa.com\/?p=4041"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/theinformantusa.com\/?p=4041#primaryimage","url":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png","contentUrl":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/12\/20251216_0829_PayPal-and-Digital-Fintech_simple_compose_01kckrz3t9f7pttq272vxxp2ah.png","width":1536,"height":1024,"caption":"PayPal Applies for Banking License \u2014 What This Means for Digital Finance"},{"@type":"BreadcrumbList","@id":"https:\/\/theinformantusa.com\/?p=4041#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/theinformantusa.com\/"},{"@type":"ListItem","position":2,"name":"\u2757\ud83d\udcb3\ud83c\udfe6 PAYPAL APPLIES TO BECOME A BANK"}]},{"@type":"WebSite","@id":"https:\/\/theinformantusa.com\/#website","url":"https:\/\/theinformantusa.com\/","name":"The Informant USA","description":"","publisher":{"@id":"https:\/\/theinformantusa.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/theinformantusa.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/theinformantusa.com\/#organization","name":"The Informant USA","url":"https:\/\/theinformantusa.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/theinformantusa.com\/#\/schema\/logo\/image\/","url":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/05\/THE-INFORMANT-USA-OFI-B.png","contentUrl":"https:\/\/theinformantusa.com\/wp-content\/uploads\/2025\/05\/THE-INFORMANT-USA-OFI-B.png","width":1080,"height":1080,"caption":"The Informant USA"},"image":{"@id":"https:\/\/theinformantusa.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/profile.php?id=61575215453941","https:\/\/x.com\/TheInformantUSA","https:\/\/www.instagram.com\/theinformantusa\/","https:\/\/www.tiktok.com\/@theinformantusa"]},{"@type":"Person","@id":"https:\/\/theinformantusa.com\/#\/schema\/person\/a225d759aad5f3e3286992983049831b","name":"THE INFORMANT USA EDITORIAL","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/02250ba22f3a522810fa6d5e2b54dc2282cdc4939d7ba2fb0c7f160ee129f4ea?s=96&d=mm&r=g","caption":"THE INFORMANT USA EDITORIAL"},"url":"https:\/\/theinformantusa.com\/?author=2"}]}},"_links":{"self":[{"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/posts\/4041","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4041"}],"version-history":[{"count":1,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/posts\/4041\/revisions"}],"predecessor-version":[{"id":4043,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/posts\/4041\/revisions\/4043"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=\/wp\/v2\/media\/4042"}],"wp:attachment":[{"href":"https:\/\/theinformantusa.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/theinformantusa.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}