{"id":4046,"date":"2025-12-17T11:17:54","date_gmt":"2025-12-17T03:17:54","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=4046"},"modified":"2025-12-17T11:17:54","modified_gmt":"2025-12-17T03:17:54","slug":"%e9%9b%86%e6%88%90%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%98%af%e5%90%a6%e9%9c%80%e5%a4%87%e6%a1%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/12\/17\/%e9%9b%86%e6%88%90%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%98%af%e5%90%a6%e9%9c%80%e5%a4%87%e6%a1%88%ef%bc%9f\/","title":{"rendered":"\u96c6\u6210\u5b5f\u52a0\u62c9\u652f\u4ed8\u7f51\u5173\u662f\u5426\u9700\u5907\u6848\uff1f"},"content":{"rendered":"<p>\u5728\u5b5f\u52a0\u62c9\u56fd\u96c6\u6210\u652f\u4ed8\u7f51\u5173\u65f6\uff0c\u662f\u5426\u9700\u8981\u5907\u6848\u6216\u83b7\u5f97\u76f8\u5173\u8bb8\u53ef\u53d6\u51b3\u4e8e\u5177\u4f53\u7684\u4e1a\u52a1\u6027\u8d28\u548c\u6240\u4f7f\u7528\u7684\u652f\u4ed8\u670d\u52a1\u7c7b\u578b\u3002\u4ee5\u4e0b\u662f\u5173\u952e\u8981\u70b9\uff1a<\/p>\n<hr>\n<h3><strong>1. \u76d1\u7ba1\u673a\u6784<\/strong><\/h3>\n<p>\u5b5f\u52a0\u62c9\u56fd\u7684\u652f\u4ed8\u7cfb\u7edf\u4e3b\u8981\u7531 <strong>\u5b5f\u52a0\u62c9\u56fd\u94f6\u884c\uff08Bangladesh Bank, BB\uff09<\/strong> \u76d1\u7ba1\uff0c\u5176\u4ed6\u76f8\u5173\u673a\u6784\u5305\u62ec\uff1a<\/p>\n<ul>\n<li> Bangladesh Financial Intelligence Unit (BFIU)\uff1a\u53cd\u6d17\u94b1\u548c\u5408\u89c4\u3002<\/li>\n<li> Bangladesh Electronic Funds Transfer Network (BEFTN)\uff1a\u7535\u5b50\u8f6c\u8d26\u6e05\u7b97\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \u662f\u5426\u9700\u8981\u5907\u6848\u6216\u8bb8\u53ef\uff1f<\/strong><\/h3>\n<h4><strong>(a) \u4f5c\u4e3a\u5546\u6237\uff08\u76f4\u63a5\u63a5\u5165\u7f51\u5173\uff09<\/strong><\/h4>\n<ul>\n<li><strong>\u4e00\u822c\u65e0\u9700\u5355\u72ec\u5907\u6848<\/strong>\uff1a\u5982\u679c\u901a\u8fc7\u7b2c\u4e09\u65b9\u5df2\u83b7\u6388\u6743\u7684\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\uff08\u5982bKash\u3001Nagad\u3001Dutch-Bangla Bank\u7684 Rocket\uff09\u6536\u6b3e\uff0c\u901a\u5e38\u4e0d\u9700\u8981\u989d\u5916\u5411\u592e\u884c\u7533\u8bf7\u8bb8\u53ef\u3002\u4f46\u9700\u786e\u4fdd\u5408\u4f5c\u65b9\u6301\u6709\u5408\u6cd5\u8d44\u8d28\u3002<\/li>\n<li><strong>Exception<\/strong>\uff1a\u82e5\u6d89\u53ca\u5927\u989d\u4ea4\u6613\u3001\u8de8\u5883\u8d44\u91d1\u6d41\u52a8\u6216\u7279\u5b9a\u884c\u4e1a\uff08\u5982\u91d1\u878d\u3001\u535a\u5f69\uff09\uff0c\u53ef\u80fd\u9700\u8981\u5411BFIU\u62a5\u5907\u3002<\/li>\n<\/ul>\n<h4><strong>(b) \u4f5c\u4e3a\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546<\/strong><\/h4>\n<p>\u5982\u679c\u662f\u81ea\u4e3b\u5f00\u53d1\/\u8fd0\u8425\u652f\u4ed8\u7f51\u5173\u6216\u5904\u7406\u8d44\u91d1\u6c60\uff0c\u5219\u5fc5\u987b\u53d6\u5f97\u4ee5\u4e0b\u8bb8\u53ef\u4e4b\u4e00\uff1a<\/p>\n<ul>\n<li><strong>Payment Service Provider (PSP) License<\/strong><br \/>\n\u9002\u7528\u4e8e\u5904\u7406\u7535\u5b50\u652f\u4ed8\u7684\u673a\u6784\uff0c\u9700\u6ee1\u8db3\u8d44\u672c\u8981\u6c42\u548c\u6280\u672f\u6807\u51c6\u3002<\/li>\n<li><strong>Money Remittance License<\/strong><br \/>\n\u6d89\u53ca\u8de8\u5883\u6c47\u6b3e\u65f6\u9700\u989d\u5916\u8d44\u8d28\u3002<\/li>\n<li><strong>Anti-Money Laundering (AML) Compliance<\/strong><br \/>\n\u9700\u5411BFIU\u6ce8\u518c\u5e76\u5b9a\u671f\u63d0\u4ea4\u62a5\u544a\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \u5173\u952e\u5408\u89c4\u8981\u6c42<\/strong><\/h3>\n<p>\u65e0\u8bba\u662f\u5426\u9700\u5907\u6848\uff0c\u5747\u987b\u9075\u5b88\uff1a<\/p>\n<h3><strong>4. \u5173\u952e\u5408\u89c4\u8981\u6c42\uff08\u7eed\uff09<\/strong><\/h3>\n<p>\u65e0\u8bba\u662f\u5426\u9700\u8981\u5907\u6848\uff0c\u5728\u5b5f\u52a0\u62c9\u56fd\u96c6\u6210\u6216\u8fd0\u8425\u652f\u4ed8\u7f51\u5173\u65f6\uff0c\u5fc5\u987b\u9075\u5b88\u4ee5\u4e0b\u4e3b\u8981\u6cd5\u89c4\u548c\u6807\u51c6\uff1a<\/p>\n<h4><strong>(a) \u53cd\u6d17\u94b1\uff08AML\uff09\u4e0e\u53cd\u6050\u878d\u8d44\uff08CFT\uff09<\/strong><\/h4>\n<ul>\n<li><strong>BFIU\u6ce8\u518c\u4e0e\u62a5\u544a\u4e49\u52a1<\/strong>::\n<ul>\n<li>\u5982\u679c\u4e1a\u52a1\u6d89\u53ca\u5927\u989d\u4ea4\u6613\u3001\u8de8\u5883\u652f\u4ed8\u6216\u9ad8\u9891\u8d44\u91d1\u6d41\u52a8\uff0c\u9700\u5411 <strong>Bangladesh Financial Intelligence Unit (BFIU)<\/strong> \u6ce8\u518c\u3002<\/li>\n<li><strong>\u53ef\u7591\u4ea4\u6613\u62a5\u544a\uff08STR\uff09<\/strong>\uff1a\u5355\u7b14\u8d85\u8fc750\u4e07\u5854\u5361\uff08\u7ea64,500\u7f8e\u5143\uff09\u7684\u4ea4\u6613\u9700\u76d1\u63a7\u5e76\u4e0a\u62a5\u3002<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08KYC\/CDD\uff09<\/strong>\uff1a\u5fc5\u987b\u9a8c\u8bc1\u7528\u6237\u8eab\u4efd\uff0c\u4fdd\u7559\u8bb0\u5f55\u81f3\u5c115\u5e74\u3002<\/li>\n<\/ul>\n<h4><strong>(b) PCI DSS\u5408\u89c4\u6027<\/strong><\/h4>\n<ul>\n<li><strong>Data security standards<\/strong>\uff1a\u82e5\u5904\u7406\u94f6\u884c\u5361\u652f\u4ed8\uff0c\u9700\u7b26\u5408\u56fd\u9645PCI DSS\u5b89\u5168\u8ba4\u8bc1\u3002\u672c\u5730\u94f6\u884c\u53ef\u80fd\u989d\u5916\u8981\u6c42\u52a0\u5bc6\u5b58\u50a8\u548c\u4f20\u8f93\u6570\u636e\u3002<\/li>\n<\/ul>\n<h4><strong>(c) \u300a\u7535\u5b50\u8d27\u5e01\u53d1\u884c\u6307\u5357\u300b\uff08\u9002\u7528\u4e8e\u6570\u5b57\u94b1\u5305\u7c7b\u670d\u52a1\uff09<\/strong><\/h4>\n<ul>\n<li>\u82e5\u6d89\u53ca\u7535\u5b50\u94b1\u5305\u5145\u503c\u3001P2P\u8f6c\u8d26\u7b49\u4e1a\u52a1\uff0c\u987b\u9075\u5faa\u5b5f\u52a0\u62c9\u56fd\u94f6\u884c\u7684\u300aElectronic Money Issuance Guidelines\u300b\u3002\u4f8b\u5982\uff1a\n<ul>\n<li><strong>\u8d44\u91d1\u6258\u7ba1\u8981\u6c42<\/strong>:  \u7528\u6237\u4f59\u989d\u5fc5\u987b\u5b58\u653e\u5728\u592e\u884c\u6279\u51c6\u7684\u9694\u79bb\u8d26\u6237\u4e2d\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. \u8de8\u5883\u652f\u4ed8\u7684\u7279\u522b\u89c4\u5b9a<\/strong><\/h3>\n<p>\u5982\u679c\u6d89\u53ca\u56fd\u9645\u6536\u6b3e\/\u4ed8\u6b3e\uff1a<\/p>\n<ol>\n<li><strong>Exchange control restrictions<\/strong>:\n<ul>\n<li>Debit\/Credit Card\u8de8\u5883\u4ea4\u6613\u901a\u5e38\u5141\u8bb8\u4e2a\u4eba\u6bcf\u5e74\u6700\u9ad812,000\u7f8e\u5143\u989d\u5ea6\uff1b\u4f01\u4e1a\u9700\u901a\u8fc7\u94f6\u884c\u7533\u62a5\u7528\u9014\u3002<\/li>\n<li>PayPal\u7b49\u56fd\u9645\u7f51\u5173\u5728\u5b5f\u52a0\u62c9\u53d7\u9650\uff0c\u672c\u5730\u5316\u65b9\u6848\u66f4\u53ef\u884c\u3002<\/li>\n<\/ul>\n<\/li>\n<li><em>Export Proceeds<\/em>:<br \/>\n\u51fa\u53e3\u4f01\u4e1a\u5fc5\u987b\u5728\u8d27\u6b3e\u5165\u5883\u540e15\u5929\u5185\u901a\u8fc7\u6388\u6743\u94f6\u884c\u7ed3\u7b97\u5916\u6c47\u3002<\/li>\n<\/ol>\n<hr>\n<h3><strong>6. API\u5bf9\u63a5\u6280\u672f\u6ce8\u610f\u4e8b\u9879<\/strong><\/h3>\n<ol>\n<li><em>\u4e3b\u6d41\u672c\u5730\u652f\u4ed8\u65b9\u5f0f<\/em>: bKash\u3001Nagad\u3001Rocket\u7684API\u6587\u6863\u901a\u5e38\u4ec5\u5bf9\u5408\u4f5c\u5546\u6237\u5f00\u653e\u2014\u2014\u9700\u8981\u5148\u7b7e\u7ea6\u5546\u4e1a\u534f\u8bae\u3002<\/li>\n<li><em>sandbox test environment<\/em>:<br \/>\n\u591a\u6570\u94f6\u884c\/PSP\u63d0\u4f9b\u6d4b\u8bd5API\u7528\u4e8e\u5f00\u53d1\u8054\u8c03\u3002<\/li>\n<\/ol>\n<hr>\n<h3>\u25b6\ufe0f <em><strong>Recommendations for action<\/strong><\/em><\/h3>\n<p>1\ufe0f\u20e3 <strong>[\u5546\u6237]<\/strong> \u2192 <em>\u76f4\u63a5\u4f7f\u7528\u5df2\u83b7\u8bb8\u53ef\u7684PSP<\/em> (\u5982SSLCOMMERZ)\uff0c\u907f\u514d\u81ea\u884c\u7533\u8bf7\u724c\u7167\u7684\u590d\u6742\u6d41\u7a0b\uff1b<br \/>\n2\ufe0f\u20e3 <strong>[\u670d\u52a1\u5546]<\/strong> \u2192 <em>\u63d0\u524d\u54a8\u8be2\u592e\u884cFintech\u90e8\u95e8<\/em> \uff0c\u786e\u8ba4\u662f\u5426\u9700PSP\u8d44\u8d28\uff1b<br \/>\n3\ufe0f\u20e3 <strong>[\u5f00\u53d1\u8005]<\/strong> \u2192 <em>\u68c0\u67e5\u5408\u540c\u4e2d\u7684SLA\u6761\u6b3e<\/em> \uff0c\u5c24\u5176\u5931\u8d25\u4ea4\u6613\u5904\u7406&amp;\u6e05\u7b97\u5468\u671f(T+1\u81f3T+3\u5e38\u89c1)\u3002<\/p>\n<h3><strong>7. \u652f\u4ed8\u7f51\u5173\u96c6\u6210\u6d41\u7a0b\uff08\u5206\u6b65\u9aa4\u6307\u5357\uff09<\/strong><\/h3>\n<p>\u5728\u5b5f\u52a0\u62c9\u56fd\u96c6\u6210\u652f\u4ed8\u7f51\u5173\uff0c\u65e0\u8bba\u662f\u4f5c\u4e3a\u5546\u6237\u8fd8\u662f\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u901a\u5e38\u9700\u8981\u9075\u5faa\u4ee5\u4e0b\u5173\u952e\u6b65\u9aa4\uff1a<\/p>\n<hr>\n<h4><strong>\u2460 \u9009\u62e9\u5408\u89c4\u7684\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\uff08PSP\uff09<\/strong><\/h4>\n<ul>\n<li><strong>\u672c\u5730\u4e3b\u6d41\u9009\u9879<\/strong>:\n<ul>\n<li><strong>bKash<\/strong> (\u79fb\u52a8\u94b1\u5305)<\/li>\n<li><strong>Nagad<\/strong> (\u653f\u5e9c\u652f\u6301\u7684\u7535\u5b50\u652f\u4ed8)<\/li>\n<li><strong>Rocket (DBBL)<\/strong> \/ <strong>Upay<\/strong> (\u94f6\u884c\u4e3b\u5bfc\u65b9\u6848)<\/li>\n<li><strong>SSLCOMMERZ<\/strong> \/ <strong>AamarPay<\/strong> (\u805a\u5408\u7f51\u5173\u652f\u6301\u5361\/Visa\/Mastercard)<\/li>\n<\/ul>\n<\/li>\n<li><em>Cross-border programmes<\/em>: Western Union\u3001Payoneer\uff08\u9700\u989d\u5916\u5916\u6c47\u5ba1\u6279\uff09\u3002<\/li>\n<\/ul>\n<p>\u26a0\ufe0f <em>take note of<\/em>\uff1a\u90e8\u5206PSP\u53ef\u80fd\u8981\u6c42\u4f01\u4e1a\u6ce8\u518c\u5730\u5728\u5b5f\u52a0\u62c9\u3002<\/p>\n<hr>\n<h4><strong>\u2461 KYC\u4e0e\u5546\u6237\u7b7e\u7ea6\u6d41\u7a0b<\/strong><\/h4>\n<ol>\n<li><em>\u63d0\u4ea4\u4f01\u4e1a\u6587\u4ef6<\/em>:\n<ul>\n<li>Trade License \/ RJSC\u6ce8\u518c\u8bc1\u4e66\u3001TIN\u7a0e\u53f7\u3001\u8463\u4e8b\u4f1a\u51b3\u8bae\uff08\u5982\u9002\u7528\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<li><em>\u94f6\u884c\u8d26\u6237\u7ed1\u5b9a<\/em>:\n<ul>\n<li>\u9700\u4f7f\u7528\u5b5f\u52a0\u62c9\u672c\u5730\u5bf9\u516c\u8d26\u6237\u7ed3\u7b97\u8d44\u91d1\u3002\u90e8\u5206PSP\u5141\u8bb8\u5916\u8d44\u4f01\u4e1a\u5f00\u6237\u4f46\u6d41\u7a0b\u8f83\u957f\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h4><strong>\u2462 API\u5bf9\u63a5\u4e0e\u6280\u672f\u5b9e\u65bd<\/strong><\/h4>\n<ol>\n<li><em>Get Development Documentation<\/em>:\n<ul>\n<li>PSP\u901a\u5e38\u4f1a\u63d0\u4f9bREST API\/SDK\u6587\u6863\uff08\u4f8b\u5982<a href=\"https:\/\/developer.bkash.com\/\">bKash\u5f00\u53d1\u8005\u95e8\u6237<\/a>).<\/li>\n<\/ul>\n<\/li>\n<li><em>sandbox testing<\/em>:\n<ul>\n<li>\u6a21\u62df\u4ea4\u6613\u6d41\uff08\u5982\u201c\u521b\u5efa\u8ba2\u5355\u2192\u7528\u6237\u8df3\u8f6c\u652f\u4ed8\u2192\u5f02\u6b65\u56de\u8c03\u201d\uff09\u3002\u5e38\u89c1\u95ee\u9898\u5305\u62ec\u7b7e\u540d\u9519\u8bef\u6216\u91d1\u989d\u683c\u5f0f\u4e0d\u7b26\u3002<\/li>\n<\/ul>\n<\/li>\n<li><em>\u751f\u4ea7\u73af\u5883\u5207\u6362<\/em>:\n<ul>\n<li>PSP\u5ba1\u6838\u540e\u6fc0\u6d3b\u6b63\u5f0f\u5546\u6237ID\uff0c\u914d\u7f6eIP\u767d\u540d\u5355\u548cWebhook\u901a\u77e5URL\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>\ud83d\udd39 <em><strong>\u6280\u672f\u63d0\u793a<\/strong><\/em>\uff1a\u5904\u7406\u5931\u8d25\u4ea4\u6613\u65f6\u9700\u517c\u5bb9\u672c\u5730\u8fd0\u8425\u5546\u7f51\u7edc\u4e0d\u7a33\u5b9a\u7684\u91cd\u8bd5\u673a\u5236\u3002<\/p>\n<hr>\n<h4><strong>\u2463\u6e05\u7b97\u5468\u671f\u4e0e\u8d39\u7528\u7ed3\u6784<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>PSP<\/th>\n<th>settlement cycle<\/th>\n<th>\u624b\u7eed\u8d39\u8303\u56f4<\/th>\n<th>\u9000\u6b3e\u65f6\u6548<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>bKash<\/td>\n<td>T+1<\/td>\n<td>1.5%-2%<\/td>\n<td>3-5 working days<\/td>\n<\/tr>\n<tr>\n<td>SSLCOMMERZ<\/td>\n<td>T+2<\/td>\n<td>2.5% +10\u09f3\/\u7b14<\/td>\n<td>7\u5de5\u4f5c\u65e5<\/td>\n<\/tr>\n<tr>\n<td>Nagad<\/td>\n<td>T+0<\/td>\n<td>0.95%-1.8%       \u5373\u65f6\u5230\u8d26<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud83d\udca1 <em>classifier for sums of money<\/em>\uff1a\u90e8\u5206PSP\u5bf9\u6559\u80b2\/NGO\u884c\u4e1a\u63d0\u4f9b\u8d39\u7387\u4f18\u60e0\u3002<\/p>\n<hr>\n<h3>\u25b6\ufe0f <em><strong>\u98ce\u9669\u4e0e\u5e94\u5bf9\u7b56\u7565<\/strong><\/em><\/h3>\n<p>\u2705 <strong>[\u5ef6\u8fdf\u6e05\u7b97]<\/strong> \u2192 <em>\u907f\u514d\u5468\u4e94\/\u5047\u65e5\u53d1\u8d77\u5927\u989d\u4ea4\u6613<\/em> \uff08\u592e\u884cBEFTN\u7cfb\u7edf\u975e24\/7\u8fd0\u884c\uff09\uff1b<br \/>\n\u2705 <strong>[\u62d2\u4ed8\u4e89\u8bae]<\/strong> \u2192 <em>\u4fdd\u5b58\u6240\u6709\u8ba2\u5355\u51ed\u8bc1<\/em> \uff08\u5b5f\u52a0\u62c9\u6cd5\u5f8b\u8981\u6c42\u7535\u5546\u7559\u5b58\u6570\u636e\u81f3\u5c116\u5e74\uff09\uff1b<br \/>\n\u2705 <strong>[\u6c47\u7387\u6ce2\u52a8]<\/strong> \u2192 <em>\u9501\u5b9a\u8fdc\u671f\u5916\u6c47\u5408\u7ea6<\/em> \uff08\u5982\u6d89\u53ca\u8de8\u5883\u573a\u666f\uff09\u3002<\/p>\n<hr>\n<h3>\ud83d\udccc <em><strong>final recommendation<\/strong><\/em><\/h3>\n<ul>\n<li>\ud83d\ude80 <strong>[\u521d\u521b\u516c\u53f8]<\/strong>:  \u76f4\u63a5\u63a5\u5165\u805a\u5408\u7f51\u5173(\u5982AamarPay)\uff0c\u964d\u4f4e\u5408\u89c4\u590d\u6742\u5ea6\uff1b<\/li>\n<li>\ud83c\udfe6 <strong>[\u91d1\u878d\u673a\u6784]<\/strong>:  \u81ea\u4e3b\u7533\u8bf7PSP\u724c\u7167\u4ee5\u63a7\u5236\u6210\u672c\uff0c\u4f46\u9884\u75596\u4e2a\u6708\u5ba1\u6279\u5468\u671f\uff1b<\/li>\n<li>\ud83c\udf0d <strong>[\u8de8\u56fd\u4f01\u4e1a]<\/strong>:   \u4f18\u5148\u9009\u62e9\u540c\u65f6\u652f\u6301\u56fd\u9645\u5361\u548c\u672c\u5730\u94b1\u5305\u7684\u6df7\u5408\u65b9\u6848(\u5982\u652f\u4ed8\u5b9d+Nagad)\u3002<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\u5728\u5b5f\u52a0\u62c9\u56fd\u96c6\u6210\u652f\u4ed8\u7f51\u5173\u65f6\uff0c\u662f\u5426\u9700\u8981\u5907\u6848\u6216\u83b7\u5f97\u76f8\u5173\u8bb8\u53ef\u53d6\u51b3\u4e8e\u5177&hellip;<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-4046","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast 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