{"id":53481,"date":"2023-03-16T18:34:59","date_gmt":"2023-03-16T13:04:59","guid":{"rendered":"https:\/\/corpbiz.io\/learning\/?p=53481"},"modified":"2024-07-03T16:34:53","modified_gmt":"2024-07-03T11:04:53","slug":"introduction-of-fcra-transaction-code-to-rtgs-and-neft","status":"publish","type":"post","link":"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/","title":{"rendered":"Introduction of FCRA Transaction Code to RTGS and NEFT"},"content":{"rendered":"\n<p>The Reserve Bank of India,\nor the <strong>RBI<\/strong><sup><a class=\"text-primary\" href=\"https:\/\/www.rbi.org.in\/\"><strong>[1]<\/strong><\/a><\/sup>,\nhas made changes to incorporate foreign contribution regulation act-related\ntransaction codes in the art RTGS and NEFT systems. The instructions were issued\nunder Section 10 (2) along with Section 18 of the Payment and Settlement\nSystems Act of 2007. These changes have been made to incorporate the\nrequirements of the Ministry of Home Affairs, the Government of India, regarding\nthe details of the donor, like the name, address, country of origin currency\namount and the reason for remittance that are required to be captured in the\ntransactions.<\/p>\n\n\n\n<p>The\nMinistry of Home Affairs has placed the onus on the State Bank of India to\nreport all donor details, as mentioned above, of overseas donors to the Ministry\nof Home Affairs on a daily basis. Moreover, the FCRA 2010 states that foreign\ncontributions are required to be received only in the FCRA account of the State\nBank of India&#8217;s main branch in New Delhi. The contributions made to the FCRA\naccount are directly obtained from foreign banks through swift and through\nIndian intermediary brands through the RTGS and NEFT systems. The RBI has\ninstructed banks to incorporate requisite changes in their core banking and\nmiddleware solutions so as to capture necessary details before forwarding any\nforeign donations through RTGS and NEFT systems to SBI. The instructions shall\ncome into effect from 15th March 2023 onwards.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Page Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#What_is_FCRA\" >What is FCRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#What_is_SWIFT\" >What is SWIFT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#What_is_RTGS_and_NEFT_System\" >What is RTGS and NEFT System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#Benefits_and_Features_of_Choosing_RTGS\" >Benefits\nand Features of Choosing RTGS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#Necessary_information_to_make_an_RTGS_Transfer\" >Necessary information to make\nan RTGS Transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#Modes_in_Which_Funds_Can_Be_Transferred_In_the_RTGS_System\" >Modes in Which Funds Can Be\nTransferred In the RTGS System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#FCRA-Related_Changes_Made_To_RTGS_and_NEFT_Systems\" >FCRA-Related Changes Made To RTGS\nand NEFT Systems<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/corpbiz.io\/learning\/introduction-of-fcra-transaction-code-to-rtgs-and-neft\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_FCRA\"><\/span>What is FCRA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Out of the numerous regulatory measures enacted by India to monitor the funding for domestic non-profit organizations, the Foreign Contribution Regulation Act or <a class=\"text-primary\" href=\"https:\/\/corpbiz.io\/fcra-registration\"><strong>FCRA<\/strong><\/a>, is the most well-known. The FCRA was enacted in 1976 with the aim of regulating the utilization of foreign contributions by associations or individuals and to keep it consistent with the values of the sovereign, democratic republic that India is. The FCRA was enacted to maintain control over voluntary organizations that received foreign funding. It provides for registration requirements along with spending requirements on non-profit organizations of India receiving foreign donations. Only those organizations that work for definite social, cultural, educational, economic or religious programmes and are registered with the Home Ministry and also maintain a separate account listing all the donations received from foreigners after getting an audit by a practicing chartered accountant when submitting the same to the ministry annually. The above mentioned can legally accept foreign contributions as per FCRA. There are specific individuals and organizations that are debarred from receiving foreign contributions, like a judge, an editor or a publisher or a cartoonist of a registered newspaper, a candidate contesting an election, or a government servant or a political party.<\/p>\n\n\n\n<p>The FCRA was amended significantly in 2010\nand thereafter in 2020, which brought more additional restrictions on sub-granting\namongst registered organizations under the FCRA, setting a cap on\nadministrative spending and then control centralizing control of funding for\nFCRA with the Ministry of Home Affairs and the State Bank of India.<\/p>\n\n\n\n<p>The FCRA aims to keep an eye on foreigners\ninfluencing Indian journalists, public servants candidates contesting for elections in politics for wrong activities are purposes\nthat might prove that adversely affect public interest. Those found in\nviolation of the provisions of the FCRA can face imprisonment, which can extend\nup to 5 years. The FCRA 2010 requires organizations to maintain a separate bank\naccount for depositing foreign contributions received, and this account shall\nhave no other funds deposited in it except for foreign donations. Obligations\nare placed on the banks to report to the requisite authority the amount of\nforeign remittances that have been received and other allied details like the\nsource of the remittances and manner of receipt, among other things. Owing to\nthis mandate under the FCRA, the RBI has incorporated changes to the NEFT and\nthe RTGS system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_SWIFT\"><\/span>What is SWIFT?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Society for Worldwide Interbank Financial\nTelecommunications, or the SWIFT, is a fast and secure global messaging system\nthat allows banks and various other financial institutions from around the\nglobe to exchange encrypted information, namely instructions with respect to\ncross-border money transfers. SWIFT is based in Brussels, Belgium and was\nfounded by 239 banks in 15 countries in 1973. It is a cooperative instituted\nwith a view to creating a safe financial messaging system. As of now, SWIFT\ncovers over 11,000 banks and many financial institutions in approximately 200\ncountries and territories, with it facilitating almost 38 million transactions\ndaily. The SWIFT has over 11,000 members, and it includes banks, investment\nmanagers, dealers or brokers, clearing or exchange houses, insurance companies,\ninvestment managers, fund participants, corporates, and custodians, among\nothers.<\/p>\n\n\n\n<p>Banks that are on the SWIFT platform are able\nto reach more counter parties which also lends instant credibility to these banks.\nWhen funds are transferred using the SWIFT platform, the bank or the financial\ninstitution is required to pay an annual fee in order to access SWIFTnet and a\nminimum price for every FIN message sent. The banks, in turn, will charge a fee\nfor the transfer from the customer, which will be more than the fee that the bank\nis charged by SWIFT.<\/p>\n\n\n\n<p>It is imperative to understand that SWIFT\ndoes not actually transfer money between banks but instead transfers encrypted\ninformation between the paying bank and the receiving bank with respect to what\nhas to be done. It is a virtual network that is reliable, secure and fast. The\nmessaging system of SWIFT is called the SWIFTnet, and member countries can\naccess it through permanent lease lines either through the cloud or permanent\nleased lines. To start with, every member of the SWIFT network is provided with\na unique code that is either 11 or 8 alphanumeric characters long. This code\nwas formally known as the business identifier code or BIC but colloquially\ncalled the SWIFT ID or the SWIFT code. The first four characters of the code\nstand for the name of the bank or the financial institution, the next two\ncharacters represent the specific country code, and the last two characters\nstand for the suffix of the business party. A branch identifier is an optional\nelement which contains three characters and can be added to the BIC, and it is\nused to identify special services locations, units or departments of the party.<\/p>\n\n\n\n<p>The secured messages through the SWIFTnet are\nexchanged over an encrypted and secure messaging system called FIN in a\nparticular format in order to avoid errors and increase efficiency. The format\nis called MT103, and it contains all the requisite information about the\ntransaction details of the sender and the receiver. Once the funds of the sender\nare properly connected with the account of the recipient, a series of\ninstructions are initiated between the sending bank and any intermediary\ncorrespondence in between and the destination bank. The whole process is\nentirely automated to reduce the possibility of human error.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_RTGS_and_NEFT_System\"><\/span>What is RTGS and NEFT System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s\ndiscuss about RTGS and NEFT System:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">NEFT System<\/h3>\n\n\n\n<p>The NEFT stands for the National Electronic\nFunds Transfer, and it is a system that has been instituted and managed by the\nReserve Bank of India to allow the domestic transfer of funds from one bank\naccount to another bank account that is NEFT enabled. It is a payment system\nthat allows one-to-one payments within India. NEFT is a system to transfer\nmoney online and is regulated by the RBI, and works as per the guidelines laid\ndown by it. Neft is a one-to-one payment facility through which the\ntransactions can be processed only between accounts in the banks that provide\nNEFT enabled services. In order to transfer funds through NEFT, users are\nrequired to add beneficiaries on the online banking portal of the requisite\nbank. Even though there are no limits on the amount of NEFT transactions,\nindividual banks can set up their own transaction limits. There are no charges\nwhen any transactions are done either through mobile banking apps or Internet\nbanking. However, if one chooses to conduct an NEFT transaction offline at one\nof the bank branches, there is an applicable fee on every such NEFT transaction.\nDepending on the amount being transferred, the fee varies from \u20b92.5 to \u20b925.<\/p>\n\n\n\n<p>There are many benefits of transferring funds\nthrough the NEFT system, and these include the below mentioned:<\/p>\n\n\n\n<ul>\n<li>NEFT\nmakes fund transfer between accounts of Banks that are NEFT enabled,\nconvenient, easy and feasible.<\/li>\n\n\n\n<li>All\nthe NEFT transactions are carried out online and don&#8217;t involve the interference\nof a 3rd party. However, one may choose to transfer funds through the NEFT\nsystem by going to the branch of the requisite bank.<\/li>\n\n\n\n<li>Due\nto the involvement of RBI, all+ new transactions are entirely secure and safe. <\/li>\n\n\n\n<li>Upon completion\nof the transaction, both the receiver and the sender of the funds get an\ninstant notification about the same.<\/li>\n\n\n\n<li>NEFT\nneither requires cheques nor demand drafts to transfer money and hence is more\neconomical.<\/li>\n\n\n\n<li>An\naccount holder, whether a firm or corporate or individual, is allowed to carry\nout any new transactions. The only precondition is that the banks of the\nparties must be NEFT enabled.<\/li>\n\n\n\n<li>Other\nthan transferring money, one can also use NEFT to pay credit card dues, loan\ninstalments, and EMIs, among other things.<\/li>\n\n\n\n<li>There\nare no hidden charges involved while making an online transfer of funds using\nthe NEFT system. Money is transferred within half hour from when the money was\ntransferred and in a secure manner.<\/li>\n\n\n\n<li>The\nfacility of money transfer under the NEFT system is available 24\/7 and can be\nused throughout the year and even during the holidays.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">RTGS System<\/h3>\n\n\n\n<p>RTGS, or real-time gross settlement, is a popular\npayment settlement system in India which can be used both online and offline to\ntransfer money. The RTGS was launched by the Reserve Bank of India in 2004. It\nis a system which conducts continuous and real-time fund transfers. The term\n\u201creal time\u201d basically means that instructions are processed that very moment\nwhen it is received rather than after some delay. Moreover, the gross\nsettlement means instructions with respect to fund transfer which shall be\nhandled on instruction by instruction basis. RTGS money transfer system is\nunique and is primarily meant for transactions which have large volumes. The\nReserve Bank of India has waived off any charges on all RTGS transactions with\na view to boosting its popularity among the citizens of India.<\/p>\n\n\n\n<p>To initiate an online money transfer through\nthe RTGS system, there must be a minimum amount of \u20b92, 00,000 or more. The complete form of the word RTGS\ndebuts the precise nature of this facility. The words &#8220;real time&#8221;\nindicates that the transfer of funds and its interactions are processed the\nmoment they are received. This helps in allowing the user to receive the\nbenefits of an instant and continuous share of funds. While RTGS is one of the most used methods for the\ntransfer of money, in some exceptional cases, an RTGS transfer may also fail.\nThe main reason for the failure could be the typing of incorrect or\nnon-existent account numbers or having insufficient funds in an account. In\nsituations of online RTGS transfer, the loss may occur due to technical errors\nor server errors. However, if any such technical glitches occur where the\ntransfer has failed but the money has been debited from the sender&#8217;s account,\nit is usually credited back to the account within an hour or a maximum of one\nworking day.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_and_Features_of_Choosing_RTGS\"><\/span>Benefits\nand Features of Choosing RTGS<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are many benefits and features of the RTGS\nsystem, and they are as follows:<\/p>\n\n\n\n<ul>\n<li>It is\na highly secure and safe way to transfer funds<\/li>\n\n\n\n<li>There\nis no upper limit for RTGS and transverse run through a bank branch<\/li>\n\n\n\n<li>One\ncan also perform an accurate time transfer to the account of the beneficiary<\/li>\n\n\n\n<li>The transfer\nof funds can take place anytime and any day<\/li>\n\n\n\n<li>Demand\ndraft or a physical cheque not required to transfer funds<\/li>\n\n\n\n<li>There\nis no likelihood of theft or loss of physical instruments and fraudulent\nencashment for beneficiaries.<\/li>\n\n\n\n<li>The\nTransaction can be initiated anywhere using internet banking<\/li>\n\n\n\n<li>Funds\nCan be transferred without any charges or fee<\/li>\n\n\n\n<li>RTGS\ntransactions are legally backed<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Necessary_information_to_make_an_RTGS_Transfer\"><\/span>Necessary information to make\nan RTGS Transfer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The following information has to be provided\nwhile initiating a transfer under the RTGS system:<\/p>\n\n\n\n<ul>\n<li>Details\nOf remitting account<\/li>\n\n\n\n<li>Name\nAnd Branch of the beneficiary bank<\/li>\n\n\n\n<li>Name\nOf The Beneficiary customer<\/li>\n\n\n\n<li>Account\nNumber of the beneficiary<\/li>\n\n\n\n<li>The\nAmount To be transferred<\/li>\n\n\n\n<li>IFSC\nnumber of the recipient bank<\/li>\n\n\n\n<li>Notes\nor remarks, if any.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Modes_in_Which_Funds_Can_Be_Transferred_In_the_RTGS_System\"><\/span>Modes in Which Funds Can Be\nTransferred In the RTGS System<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are predominantly two modes in which\nfunds can be transferred in the RTGS system:<\/p>\n\n\n\n<ul>\n<li><strong>Internet Banking<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Many of the banks offer the facility to add\nbeneficiaries online using the facility of Internet banking. Upon successful\naddition of beneficiaries, the user can transfer fans to the intended\nbeneficiary. Not only individuals but corporate account holders can also\nutilize internet banking to make RTGS transfers.<\/p>\n\n\n\n<ul>\n<li><strong>Offline Transfer<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Funds can be transferred through the RGA\nsystem by visiting the nearest branch of the bank and filling in the RTGS form\nin order to initiate a transfer of funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FCRA-Related_Changes_Made_To_RTGS_and_NEFT_Systems\"><\/span>FCRA-Related Changes Made To RTGS\nand NEFT Systems<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The changes made by the RBI to the RTGS and NEFT payments systems essentially incorporate the FCRA transaction code and donor details in both approaches. With respect to FCRA in RTGS and NEFT systems, the RBI has mandated that originating banks are required to follow the mandatory fields as is provided under the circle while remitting foreign donations to the FCRA account of the State Bank of India. The code to be used for the NEFT system shall be 41, and the court to be used for transactions through the RTGS system shall be FCRA. With respect to the donor details for the NEFT system and transaction details putting to the RTGS system, RBI has mandated that the operating banks shall be required to provide details of the donor in the formats given in the circular under the sender the remitter information of NEFT and the RMTLNF tag of the RTGS system. In the former, the details that are required to be given share include the donor&#8217;s address, the name of the donor for the purpose of the remittance, the country of the donor, along with the currency and the amount of the transaction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Reserve Bank of India\nhas made changes to incorporate the foreign contribution regulation act-related\ntransaction code in the art RTGS and NEFT systems. The instructions were issued\nunder Section 10 (2) and Section 18 of the Payment and Settlement Systems Act\nof 2007. These changes have been made to incorporate the requirements of the\nMinistry of Home Affairs, the Government of India, regarding the details of the\ndonor like the name, address, country of origin currency amount and the reason\nfor remittance that is required to be captured in the transactions.<\/p>\n\n\n\n<p>The Ministry of Home Affairs has placed the onus on the State Bank of India to report all donor details, as mentioned above, of overseas donors to the Ministry of Home Affairs on a daily basis. Moreover, the FCRA 2010 states that foreign contributions are required to be received only in the FCRA account of the State Bank of India&#8217;s main branch in New Delhi. The contributions made to the FCRA account are directly obtained from foreign banks through swift and through Indian intermediary brands through the RTGS and NEFT systems. The RBI has instructed banks to incorporate requisite changes in their core banking and middleware solutions so as to capture necessary details before forwarding any foreign donations through RTGS and NEFT systems to SBI. The instructions shall come into effect from 15th March 2023 onwards.<\/p>\n\n\n\n<p><strong>Also Read<\/strong>: <br><a href=\"https:\/\/corpbiz.io\/learning\/process-to-get-fcra-registration-online\/\">What Is The Process To Get FCRA Registration?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India, or the RBI[1], has made changes to incorporate foreign contribution regulation act-related transaction codes in the art RTGS and NEFT systems. The instructions were issued under Section 10 (2) along with Section 18 of the Payment and Settlement Systems Act of 2007. These changes have been made to incorporate the [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":53482,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[267],"tags":[3243],"acf":{"service_id":"13"},"authorName":"Sherin Jose","authorImageUrl":"https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2022\/11\/MicrosoftTeams-image-4-e1668575330329.jpg","authorDescription":"Sherin has degrees in Law and English Literature from the University of Delhi. She is adept at legal research and writing and enjoys discussing and analysing important legal developments. Her primary interests lie in Corporate, FinTech and IPR Law and she is always on the lookout for exploring new developments in the area. She is an avid reader who loves classics and contemporary fiction. She likes to travel, bake and obsess over cat videos in her free time.","postViews":4107,"readingTime":9,"_links":{"self":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53481"}],"collection":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/users\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/comments?post=53481"}],"version-history":[{"count":5,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53481\/revisions"}],"predecessor-version":[{"id":65180,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/53481\/revisions\/65180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media\/53482"}],"wp:attachment":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media?parent=53481"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/categories?post=53481"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/tags?post=53481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}