{ "jurisdiction_id": "AR", "jurisdiction": "Argentina", "url": "https://payments.gi/jurisdictions/argentina/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 59, "source_register": 100 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/argentina/#w1a-licensing-authorisation-market-access", "standing_position": "Argentina has no single EMI/PI licence; the BCRA operates a functional PSP registration regime under the Financial Entities Law framework, with multiple registrable roles. The flagship category is the PSPCP (payment service provider offering payment accounts), alongside payment initiators (PSI), acquirers, aggregators/sub-acquirers, acceptors of transfer payments, ATM networks and electronic-funds-transfer networks. Registration is with the BCRA (not a prudential banking licence); VASPs register separately with the CNV.", "findings": [ { "finding": null, "instrument_type": "PSP registry / BCRA Communications", "source": "https://www.bcra.gob.ar/en/registering-in-the-payment-service-provider-registry/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "PSPCP regime (Communications of 2020)", "source": "https://practiceguides.chambers.com/practice-guides/fintech-2025/argentina/trends-and-developments", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 8432/2026", "source": "https://www.lexology.com/library/detail.aspx?g=71cd4572-bcb7-4206-9757-e40b32bf9bac", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 8102", "source": "https://iblc.com/newsitem.php?ID=675", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Financial Entities Law 21,526 / BCRA powers", "source": "https://ally-law.com/fintech-regulation-guide-argentina/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Safeguarding for PSPCPs is strict: 100% of customer funds must be held at all times in peso sight accounts at Argentine financial institutions, individualised per customer, available on demand and segregated from the PSP's own funds. PSPs may not treat balances as treasury, and any return on balances must be passed through to customers. Conduct/anti-fraud and consumer-protection responsibilities apply, with the BCRA applying a functional 'same function, same risk, same rules' approach across banks and PSPs.", "findings": [ { "finding": null, "instrument_type": "PSPCP safeguarding rule", "source": "https://jfcattorneys.com/en/guides/fintech-regulation-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 6859", "source": "https://beccarvarela.com/en/publicaciones/boletin-del-departamento-fintech-novedades-legales-fintech-en-argentina-n20/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communique \"A\" 7825", "source": "https://www.lexology.com/library/detail.aspx?g=60ff8e01-93e1-45fa-86d9-9e573cb55a98", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Authentication / anti-fraud conduct rules", "source": "https://practiceguides.chambers.com/practice-guides/fintech-2025/argentina/trends-and-developments", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w2-stablecoins-digital-money", "standing_position": "Argentina has no dedicated stablecoin reserve/redemption regime; stablecoins are not legal tender but may be held by private agreement. The crypto perimeter is a CNV VASP/PSAV registration and conduct regime (Law 27,739 amending AML Law 25,246; CNV RG 994/2024 and RG 1058/2025), with UIF Res. 49/2024 imposing AML/CFT duties. A key payments-perimeter rule: banks (Com. \"A\" 7506) and PSPCPs (Com. \"A\" 7759) are barred from performing or facilitating crypto transactions in-app.", "findings": [ { "finding": null, "instrument_type": "Law 27,739 / CNV RG 994/2024 / RG 1058/2025", "source": "https://cryptoslate.com/crypto-laws/argentina-law-27739-cnv-psav-registry/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Com. \"A\" 7506 / \"A\" 7759", "source": "https://www.plasma.to/learn/tools/stablecoin-regulation-map/argentina", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 7759", "source": "https://www.estudio-ofarrell.com/en/the-central-bank-of-the-argentine-republic-prohibits-payment-service-provider-from-conducting-and-facilitating-transactions-with-digital-assets/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "CNV RG 1058 / RG 1069 / RG 1081", "source": "https://www.trmlabs.com/reports-and-whitepapers/global-crypto-policy-review-outlook-2025-26", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Market context / stablecoin adoption", "source": "https://bitwage.com/en-us/blog/state-of-stablecoins-in-argentina-september-2025", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w3-operational-resilience-critical-infrastructure", "standing_position": "BCRA operational-resilience and cyber rules apply on a functional basis to banks, PSPs (digital wallets, aggregators, facilitators) and systemically important payment systems. Core instruments are the IT/information-security risk standard (Com. \"A\" 7724, replacing \"A\" 4609) and the cyber incident response/recovery Guidelines (originally Com. \"A\" 7266 of April 2021, updated by Com. \"A\" 8280), which impose mandatory BCRA incident notification, periodic remediation updates and a final root-cause report within five calendar days.", "findings": [ { "finding": null, "instrument_type": "BCRA Communication \"A\" 8280", "source": "https://lermanszlak.com/argentinas-central-bank-requires-reporting-of-cyber-incidents-impacting-customers-of-the-financial-system/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA cyber-resilience guidelines", "source": "https://www.bcra.gob.ar/en/cybersecurity/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 7724", "source": "https://www.grantthornton.com.ar/en/insights/articles/2023/communication-a7724-bcra/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Sectoral cybersecurity regime", "source": "https://iclg.com/practice-areas/cybersecurity-laws-and-regulations/argentina", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w4-scheme-network-compliance", "standing_position": "Card and instant-rail scheme compliance is governed by BCRA rules. For the instant-transfer (Transferencias 3.0 / PCT) scheme the BCRA mandates interoperable QR acceptance, caps merchant fees (typically 6-8 per thousand) and sets fixed-per-transaction (not ad valorem) fee limits plus interchange between recipient and originator. QR interoperability was extended to credit (Com. \"A\" 7769) and debit card payments. Scheme administrators authorised by the BCRA include Coelsa, Prisma, Red Link and Interbanking.", "findings": [ { "finding": null, "instrument_type": "Transferencias 3.0 fee regulation", "source": "https://www.ibanet.org/argentina-real-time-payment-transferencias", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Transfers 3.0 / PCT", "source": "https://www.bcra.gob.ar/en/transfers-3-0/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 7769", "source": "https://beccarvarela.com/en/publicaciones/boletin-del-departamento-fintech-novedades-legales-fintech-en-argentina-n23/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Debit-card QR / fraud-liability rules", "source": "https://practiceguides.chambers.com/practice-guides/fintech-2025/argentina/trends-and-developments", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/argentina/#w5-payment-corridor-dynamics", "standing_position": "Domestic rails are dominated by Transferencias 3.0 (instant A2A/QR) settled via clearing houses. Cross-border corridors were transformed in April 2025 when the BCRA lifted most of the 'cepo cambiario' FX controls (Com. \"A\" 8226 / Decree 269/2025), removing the USD200 monthly cap, import waiting periods and most repatriation restrictions. Cross-border payments remain costly with intermediary hops, FX risk and residual scrutiny; remittance inflows are small (~0.2% of GDP); stablecoins are widely used informally for cross-border value transfer.", "findings": [ { "finding": null, "instrument_type": "FX control liberalisation", "source": "https://www.trade.gov/market-intelligence/argentina-eliminates-capital-controls-and-payment-timelines", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "BCRA Communication \"A\" 8226 / Decree 269/2025", "source": "https://irglobal.com/article/argentina-lifts-exchange-controls-regulatory-update-and-implications/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Corridor / remittance context", "source": "https://www.openfx.com/blog/fx-cross-border-payments-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "FX controls (further easing)", "source": "https://www.ey.com/en_gl/technical/tax-alerts/argentina-eliminates-most-remaining-foreign-exchange-controls", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w6-industry-structure-commercial-dynamics", "standing_position": "The PSP market is highly dynamic with both fintech and bank-led players. Mercado Pago (Mercado Libre) is the dominant wallet; the bank consortium MODO competes; Ualá and others are significant. Processing infrastructure has historically been concentrated in Prisma (formerly bank/Visa-owned, divested after a 2018 antitrust remedy), now acquired by Visa. Account ownership via PSPs surged (7% of adults in 2019 to ~71% in 2024), reflecting rapid digital-wallet adoption.", "findings": [ { "finding": null, "instrument_type": "Market structure / competition note", "source": "https://one.oecd.org/document/DAF/COMP/WD(2025)18/en/pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Market shape / wallet penetration", "source": "https://www.rapyd.net/blog/argentina-payments-guide/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Financial inclusion / account ownership", "source": "https://ironvest.com/blog/what-will-stop-banking-fraud-in-argentina-in-2026/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Provider landscape", "source": "https://stripe.com/resources/more/payments-in-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "High", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/argentina/#w7-legal-litigation", "standing_position": "The landmark payments litigation is the Prisma matter: a CNDC ex officio investigation (opened 2016) into Prisma — sole Visa acquirer/processor owned by 14 banks — led to a divestment remedy in 2018, the first such remedy in a conduct case, opening the acquiring market. The live dispute is the MercadoLibre/MODO antitrust clash: MODO accused MercadoLibre of monopolising digital payments (May 2024) and MercadoLibre counter-filed alleging the bank-owned MODO consortium 'cartelises' against fintechs. From 17 November 2025 the CNDC was replaced by the new National Competition Authority.", "findings": [ { "finding": null, "instrument_type": "CNDC Prisma case / Antitrust Law 27442", "source": "https://academic.oup.com/jeclap/article/10/6/335/5524742", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "MercadoLibre / MODO antitrust dispute", "source": "https://restofworld.org/2024/mercadolibre-argentina-banks-antitrust/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "National Competition Authority", "source": "https://legalblogs.wolterskluwer.com/competition-blog/main-developments-in-competition-law-and-policy-2025-argentina/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "CNDC complaint", "source": "https://buenosairesherald.com/economics/mercado-libre-files-anti-trust-complaint-against-argentine-banks", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w8-merchant-acquiring-risk", "standing_position": "Acquiring, aggregation/sub-acquiring and acceptance roles are BCRA-registrable, with applicants required to report merchant fees, settlement times and POS terms. The market features acquirers (Payway/Getnet/Fiserv), gateways and integrated platforms (Mercado Pago, Rebill); card MDRs commonly run ~1.2% debit and ~4.5% credit, with QR transfer payments materially cheaper. Chargeback/dispute windows are set by the BCRA and tend to be shorter and consumer-favouring; high decline rates (LATAM ~20% of card transactions) reflect aggressive fraud filtering.", "findings": [ { "finding": null, "instrument_type": "BCRA Communication \"A\" 7769 (acquiring registration)", "source": "https://beccarvarela.com/en/publicaciones/boletin-del-departamento-fintech-novedades-legales-fintech-en-argentina-n23/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Acquiring / gateway pricing", "source": "https://www.rebill.com/en/blog/payment-gateways-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Chargeback / dispute regime", "source": "https://stripe.com/resources/more/payments-in-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Acquiring risk / fraud declines", "source": "https://ironvest.com/blog/what-will-stop-banking-fraud-in-argentina-in-2026/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/argentina/#w9-product-innovation-market-development", "standing_position": "Innovation is led by Transferencias 3.0 (instant interoperable QR, launched December 2020, fully implemented November 2021) and a building-out open-finance system. Decree 353/2025 (23 May 2025) created the Sistema de Finanzas Abiertas with the BCRA as implementing authority, an API consent-based data-sharing model on the Brazil/Mexico/Colombia template, operating on reciprocity. Recent product additions include Scheduled/Recurring DEBIN instalments and dollar-denominated QR debit payments.", "findings": [ { "finding": null, "instrument_type": "Decree 353/2025 (Open Finance)", "source": "https://allende.com/en/banking/argentinas-executive-power-launches-the-open-finance-system-06-04-2025/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Sistema de Finanzas Abiertas design", "source": "https://www.infobae.com/economia/2025/09/01/open-finance-en-la-argentina-como-es-el-plan-del-bcra-para-facilitar-el-acceso-al-credito/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Transferencias 3.0 launch / PCT", "source": "https://www.bcra.gob.ar/Noticias/transferencias-3-0-pagos-con-transferencia-i.asp", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Product additions (DEBIN, BCRA APIs)", "source": "https://practiceguides.chambers.com/practice-guides/fintech-2025/argentina/trends-and-developments", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w10-consumer-protection-app-fraud", "standing_position": "Financial consumer protection rests on the BCRA's user-protection rules plus Consumer Protection Law 24,240 and the Civil and Commercial Code, with disputes also overseen by consumer-protection bodies. There is no UK-style statutory APP-fraud mandatory reimbursement scheme, but the BCRA has assigned credit/debit-card payment fraud liability to the interoperable-wallet provider in defined cases and imposed instant-transfer limits (with temporary extension on request). APP/scam fraud is the fastest-growing fraud type in the region as instant A2A rails proliferate.", "findings": [ { "finding": null, "instrument_type": "BCRA financial-consumer-protection rules", "source": "https://www.bcra.gob.ar/en/news/financial-consumer-protection-further-amendments/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Fraud-liability allocation", "source": "https://practiceguides.chambers.com/practice-guides/fintech-2025/argentina/trends-and-developments", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "APP fraud landscape", "source": "https://ironvest.com/blog/what-will-stop-banking-fraud-in-argentina-in-2026/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Consumer-protection enforcement", "source": "https://stripe.com/resources/more/payments-in-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w11-aml-cft-financial-crime", "standing_position": "Sentinel.gi position (payments context): Argentina's AML/CFT framework rests on Law 25,246 (as amended, including by Law 27,739 adding VASPs) supervised by the UIF (FIU), with PSPs, NFCPs, crowdfunding platforms and VASPs all designated obligated subjects. The December 2024 FATF/GAFILAT mutual evaluation kept Argentina off the grey list but flagged effectiveness shortfalls and FIU resource constraints. Payments-relevant supervision is shared with the BCRA and ARCA.", "findings": [ { "finding": null, "instrument_type": "FATF MER findings", "source": "https://www.fatf-gafi.org/content/dam/fatf-gafi/mer/Argentina-Mutual-Evaluation-Report-2024.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Argentina has a well-designed AML/CFT legal architecture led by the UIF (FIU), strengthened materially since its 2010 evaluation, but effectiveness lags technical design: FIU IT/human resource constraints, low ML conviction volume relative to risk profile, and near-absent TF prosecutions despite Tri-Border Area/Hezbollah exposure.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — Argentina", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: legal-gap", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-004)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: political-constraint", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: enforcement-absence", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: capacity-deficit", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001)", "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w12-correspondent-banking-settlement-access", "standing_position": "Settlement of retail instant payments runs through BCRA-authorised clearing houses/administrators (Coelsa, Prisma, Red Link, Interbanking). PSPCPs access settlement indirectly via mandatory 100% peso safeguarding accounts at financial institutions, and banks have historically been reluctant to onboard PSPs over AML concerns. Correspondent-banking access reflects de-risking pressure; the April 2025 FX liberalisation eased cross-border settlement, though intermediary hops and residual documentation friction persist, and some global rails (PayPal/Wise/Stripe) remain restricted for local business accounts.", "findings": [ { "finding": null, "instrument_type": "Settlement / clearing administrators", "source": "https://www.lightspark.com/knowledge/argentina-real-time-payments", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "FPS settlement structure", "source": "https://www.dpi.global/globaldpi/argentina_fps", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "Banking-access / de-risking", "source": "https://legasset.com/ready-made-psp-in-argentina/", "source_url": null, "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "Cross-border settlement friction", "source": "https://yogupay.com/cross-border-payments-challenges-in-argentina/", "source_url": null, "source_tier": "4", "retrieved_at": null } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/argentina/#w13-commercial-intelligence-fintech", "standing_position": "The standout trailing-12-month transaction is Visa's acquisition of Prisma Medios de Pago and Newpay from Advent International — announced 19 February 2026 and completed in 2026 — reuniting major Argentine card-processing infrastructure (6bn+ annual transactions, Banelco ATM network, PagoMisCuentas) under Visa, subject to Argentine competition-authority review.", "findings": [ { "finding": null, "instrument_type": "M&A (acquisition announcement)", "source": "https://investor.visa.com/news/news-details/2026/Visa-to-Acquire-Prisma-Medios-de-Pago-and-Newpay-in-Argentina/default.aspx", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "M&A (completion)", "source": "https://investor.visa.com/news/news-details/2026/Visa-Completes-Acquisition-of-Prisma-and-Newpay/default.aspx", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "Deal context / valuation history", "source": "https://fintool.com/news/visa-acquires-prisma-newpay-argentina", "source_url": null, "source_tier": "3", "retrieved_at": null } ] } ] }