IRELAND KYC, KYB AND AML

Scale Identity Verification and KYC Operations in Ireland

Q: Which identity documents can be used for Irish onboarding?

Customers can use the Irish passport, including its NFC chip, along with the Irish passport card and the Irish driving licence. Eligible EU and EEA identity cards, passports and the Irish Residence Permit can also be accepted when they meet the applicable CJA 2010 requirements. Shufti supports document, NFC and biometric verification in one workflow.

Q: How does Shufti support Central Bank of Ireland-supervised businesses?

Shufti connects identity verification, KYB, AML screening, QES, account verification and decision evidence in one configurable workflow. This helps businesses within the Central Bank of Ireland’s supervisory remit reduce manual hand-offs, standardise compliance records and prepare clearer evidence for internal audit and applicable supervisory review.

Q: What documents are required for KYB in Ireland?

Typically a Certificate of Incorporation from the Companies Registration Office, the Tax Reference Number, a VAT registration certificate and beneficial ownership details from the RBO. Shufti verifies these in real time and screens the UBOs behind them against sanctions and PEP lists.

Q: How are Irish name variants handled in screening?

Matching accounts for Ó, Mac, Mc and Ní prefixes, fada marks and bilingual English and Irish name fields, so legitimate Irish names resolve correctly and false positives on Irish names stay low.

Q: How long must AML records be retained in Ireland?

Five years. Section 55 of the CJA 2010 requires records to be kept for at least five years from the date the service to the customer ends or the date of the last transaction, whichever is later. A member of An Garda Síochána not below the rank of Sergeant may direct up to five further years.

Q: Is EU-region data hosting available?

Yes. Shufti offers EU-based cloud regions, so Irish customer data stays in-region in line with GDPR and the Data Protection Act 2018. On-premises deployment is available where residency requirements are stricter.

Q: What changes for Ireland under AMLR from July 2027?

AMLR applies directly, so no Irish transposition law is needed. Article 22(6) points to eIDAS electronic identification means and qualified trust services; document plus biometric checks stay a lawful route, and the beneficial ownership test moves to 25% or more.

Q: Does Ireland have an eIDAS-notified eID scheme?

No. Ireland has not notified an electronic identification scheme under Regulation (EU) No 910/2014, and it does not appear on the European Commission’s published list of notified or pre-notified schemes. Shufti verifies Irish customers through NFC chip reading, docless database checks, documents and biometrics.

Q: How do QES and account verification work together in Ireland?

Irish law does not set a qualified electronic signature plus payment-account identification route. The payment-account limb in the original Section 33(4) of the CJA 2010 was deleted in 2018. Shufti still connects QES, account verification and supporting evidence in one workflow, subject to the applicable account and transaction requirements.

Q: When will the EU Digital Identity Wallet be usable for onboarding in Ireland?

Under eIDAS 2.0, member states target wallet availability from the end of 2026, and private relying parties that use strong customer authentication accept wallets in the period after that. Ireland’s Government Digital Wallet ran a public consultation and closed beta testing during 2026, and Shufti is built to accept wallet-based verification as it goes live.

Verify Irish customers and businesses through NFC chip reading, QES, identity documents, biometrics and KYB. Reduce manual review, maintain consistent audit evidence and run one connected workflow designed to support the CJA 2010 today and AMLR from 10 July 2027.

Trusted by 2000+ businesses that make identity decisions at scale

Operational Performance for Ireland KYC

Our Numbers Speak Volumes

97.04%

First-pass
verification rate

< 10 sec

Median
verification time

Irish ID methods
supported

THE IRELAND VERIFICATION GAP

Ireland IDV/KYC Challenges

No Notified eID to Fall Back On

Ireland has no eID scheme notified under Regulation (EU) No 910/2014 and no compulsory national identity card. MyGovID serves public services, so private onboarding still runs on passports and driving licences.

Irish Names Break Global Matching

Ó, Mac, Mc and Ní prefixes, fada marks and bilingual English and Irish name fields on official documents trigger false positives when diacritics are dropped in international databases.

Ownership Is Hard to See Through

Post-Sovim designated person access under S.I. No. 308 of 2023 returns month and year of birth but not day or address, and Regulation 25(2) bars sole reliance for due diligence. Irish law uses more than 25% while AMLR moves to 25% or more.

Registry Data Is Not Verification

The Companies Registration Office confirms a company exists, not who controls it or whether they are sanctioned. KYB needs screening layered on top of registry lookups.

Regulatory Update

What AMLR Changes for Identity Verification in Ireland

The EU Anti-Money Laundering Regulation (EU) 2024/1624 applies directly in Ireland from 10 July 2027, with no transposition period. It sets the due diligence rules the CJA 2010 framework will operate under, with AMLA, the new EU-level supervisor, established in Frankfurt.

Timeline

End of 2026 Member State EUDI Wallet issuance deadline
During 2026 Government Digital Wallet closed beta pilot
10 July 2027 AMLR applies, no transposition
Late 2027 Acceptance duty under eIDAS 2.0 Article 5f
2028 AMLA direct supervision begins

eIDAS Expressly Recognised

Article 22(6) lets obliged entities verify identity with electronic identification means at the eIDAS substantial or high levels and relevant qualified trust services. Ireland’s current document and biometric routes stay lawful, but non-eIDAS methods carry a documentation and justification burden.

The Ownership Test Tightens

AMLR sets the test at 25% or more ownership, or control by other means. Ireland's current test is more than 25%, so KYB checks should confirm the 25% line and control.

Existing Customers Get Re-Checked

AMLR expects existing customer records to be brought up to standard on a risk basis, not just new onboarding. Continuous monitoring keeps back-book files current between reviews.

Accountability Stays With You

Article 18 keeps you liable when verification is outsourced, and Article 48 when you rely on another obliged entity. Section 40 of the CJA 2010 already says the same.

Book an AMLR Readiness Demo

FOR CENTRAL BANK-SUPERVISED BUSINESSES

Streamline Central Bank-Supervised Onboarding in Ireland

Connect identity verification, QES, optional Penny Drop and compliance evidence in one configurable workflow for businesses within the Central Bank of Ireland’s supervisory remit. Reduce customer drop-off and manual handovers while giving compliance teams a review-ready record of every decision.

1. Verify the customer

Verify identity using the configured route, such as NFC chip reading of the Irish passport, docless database checks or document and biometric checks.

2. Complete qualified signing

Apply and validate the QES within the same journey, keeping the signed document, verification result and supporting evidence together.

3. Confirm the payment account

Penny Drop Verification confirms that the payment account belongs to the customer, as a supporting fraud and account-ownership control.

Book an Ireland Compliance Demo

Shufti's IDV/KYC Solutions for Ireland

KYC Solutions

Clear onboarding for Irish customers under the CJA 2010, with age and address checked in the same flow as identity, each check completing in seconds.

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Identity Verification

Shufti confirms every customer is real and present, not a spoofed or synthetic identity. Biometric face matching and liveness detection run against 10,000+ active ID document types.

Face Verification

Face verification binds the live person to the document with iBeta Level 3 Conformance to ISO/IEC 30107-3 liveness, stopping spoofs, masks and deepfakes.

Age Verification

Selfie-based age estimation with document verification fallback for sectors overseen by Coimisiún na Meán and the Gambling Regulatory Authority of Ireland.

Address Verification

Shufti verifies Irish address-bearing documents, including utility invoices, telecom bills and bank statements from major Irish issuers. Proof-of-address checks remain common in regulated onboarding.

Document Verification

Verification of the Irish passport and passport card, the Irish Residence Permit and the Irish driving licence, including NFC chip reading on the ePassport. Permitted by AMLR Article 22(6)(a).

Bank Account Verification

Confirms an Irish bank account (IE IBAN) belongs to the customer, returning the registered account holder name for matching against the verified identity.

KYB Solutions

Shufti checks businesses as deeply as the people behind them, under risk-based CJA 2010 duties. Shufti checks registry records, beneficial ownership, and VAT details in real time, then screens UBOs against 4,000+ global watchlists for sanctions and adverse media exposure.

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Business Verification

Automated validation of Companies Registration Office data, the numeric company registration number, the Tax Reference Number and appointed directors and secretaries.

Enhanced Due Diligence (EDD)

Structured risk profiling for complex ownership chains, cross-border entities, and higher-risk sectors, supporting Ireland’s risk-based obligations under the CJA 2010.

AML Screening

Shufti screens customers and transactions in 240+ countries and territories, flagging sanctions, PEP, and adverse media matches as they happen. Ongoing monitoring surfaces suspicious activity in time to meet local reporting obligations.

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AI Compliance Copilot

Helps compliance teams review verification and AML data, investigate alerts, and understand the reasoning behind risk signals. It brings relevant case information together to support faster, more consistent compliance decisions.

Transaction Monitoring

Ongoing transaction monitoring calibrated to Irish financial flows flags anomalies against AML rules, supporting the controls expected by the Central Bank and FIU Ireland.

Supported Verification Methods for Ireland

Every Verification Route Ireland Uses, in One Platform

Shufti supports the full range of remote verification routes used in Ireland, from the EU Digital Identity Wallet to NFC chip reading and document and biometric checks. Each method below shows what is live today and what is ready for the 2027 rollout.

EUDI Wallet

Wallet-ready · from 2027

AMLR Article 22(6) points to electronic identification means at the eIDAS substantial or high levels. Ireland’s Government Digital Wallet is in closed beta pilot, and Shufti is built to accept wallet-based verification as it goes live.

Docless Database eIDV

Live

Database-driven verification confirms identity in seconds for low-risk onboarding with no document upload, using permitted reference data sources. Shufti escalates to stronger checks as risk rises.

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NFC Chip Verification

Live

Shufti reads the secure chip in the Irish ePassport and the Irish Residence Permit card. This is the high-assurance capture route in a country with no notified eID scheme.

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Document and Face Biometric

Live

Permitted by AMLR Article 22(6)(a). Document authentication of the Irish passport, passport card, driving licence and Irish Residence Permit, paired with iBeta Level 3 Conformance to ISO/IEC 30107-3 liveness to confirm a real, present person.

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Qualified Electronic Signature

Live

Section 33(2)(a) of the CJA 2010 recognises information from relevant trust services under the Electronic Identification Regulation. Shufti runs eIDAS-qualified signing powered by Evrotrust, an EU qualified trust service provider, producing PAdES-LTV signatures. For Ireland the signing identity check runs through NFC and face biometrics.

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Independent Validation

Shufti's Recognition Across Independent Evaluations

Ranked Exceptional in the Liminal Index 2026 for age estimation

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Differentiated by Gartner on document diversity and country coverage

Certified at iBeta Level 3 PAD with 0% APCER

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Broadest global reach in the 2025 KuppingerCole Extended IDV report

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Ranked Top 5 in the DHS RIVR 2025 for identity validation

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Top Vendor for Product Execution in the Liminal Index for KYC 2026

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Ranked Exceptional for age verification by Liminal Index 2026

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Recognised as a Leader in G2 Fall 2026 reports

Trust signal graphic for Shufti age verification performance ranking

Gartner recognition graphic for Shufti document diversity and country coverage

Analyst recognition graphic for Shufti verification accuracy

Sample Shufti verification report showing trust-signal check results

Shufti trust-signals report graph illustrating identity risk scoring

Liminal Index for KYC 2026 chart placing Shufti as a top vendor for product execution

Shufti trust-signals verification report overview panel

G2 Grid® for Identity Verification Software

Verifications with robust evidentiary support

Evidence-Ready Checks Across People & Businesses

Individual Documents We Verify

Shufti verifies 14+ individual Irish document types.

View All Supported Documents

Irish Passport

Biometric ICAO-compliant passport issued by the Passport Service under the Passports Act 2008. Carries an NFC chip holding a digital facial image for chip-based checks.

Irish Passport Card

Card-format travel document issued alongside the Irish passport for EU, EEA, Swiss and UK travel. Bilingual English and Irish data, verified through document and biometric checks.

Irish Driver Licence

EU-format photocard licence issued through the National Driver Licence Service under the Road Safety Authority. Widely used for identity and address evidence in Irish onboarding.

Entity Identity

Certificate of Incorporation

Issued by the Companies Registration Office on formation. Confirms the registered company name, the company registration number and the date of incorporation for KYB.

Certificate of Incorporation on Change of Name

CRO record of a corporate name change. Establishes continuity of legal identity when a current trading name differs from the name on historical filings.

Tax Identity

Tax Registration Number (TRN) Certificate

Issued by the Revenue Commissioners. The Tax Reference Number runs to seven digits followed by one or two letters, and it confirms registered business tax identity.

VAT Registration Certificate

Revenue-issued credential confirming VAT-registered status. Irish VAT numbers carry the IE prefix in formats such as IE1234567A and IE1234567AB for EU trade.

Ownership & Control (UBO)

Central Register of Beneficial Ownership (RBO)

Statutory register under S.I. No. 110 of 2019. Per-entity access at a fee returns a limited extract, so Shufti pairs it with independent ownership checks. Designated persons must complete an administration declaration with the Registrar before access is granted.

Director and Owner Identity

Identity evidence for the people named on CRO filings and RBO entries. Each is screened against sanctions, PEP and adverse media lists during KYB onboarding.

Languages We Cover

Bilingual Document Handling

Irish documents carry English and Irish data fields. Shufti parses both, matches bilingual name fields across the passport, passport card and driving licence, and logs the result.

Irish Naming Conventions

Name matching handles Ó, Mac, Mc and Ní prefixes and fada marks across English and Irish spellings, cutting false mismatches.

Regulatory Evidence Standards

Cross-document checks reconcile names and identifiers across the passport, driving licence, CRO filings and RBO data, supporting Central Bank and Data Protection Commission review.

Governance & Controls

Audit-Ready Decisions, Lower Operational Drag

Fewer avoidable re-submissions

Optimised capture for Irish document formats and the NFC-enabled Irish ePassport cuts avoidable re-submissions and manual review.

Cleaner audit trails

Structured logs aligned to Section 55 retention and FIU Ireland reporting keep every onboarding decision audit-ready.

Better name matching outcomes

Matching handles Ó, Mac, Mc and Ní prefixes and fada marks, reducing false positives and manual review.

One workflow, one back office

KYC, KYB and AML screening are consolidated in one operational case view, so one back office team works on every customer file.

Passport-first flow design

Passport and driving-licence-first onboarding reflects how Irish customers actually verify without a national ID card.

Continuous Compliance

Compliance that does not stop at onboarding

AMLR treats customer due diligence as a continuing obligation. Perpetual monitoring keeps the customer picture current between reviews, so risk is caught when it appears, not at the next annual check.

Surface Changes as it happens

Detect

Perpetual monitoring flags risk when it appears, not at the next annual review. Behavioural biometrics, background fraud signals, and ongoing sanctions and PEP screening watch every active relationship.

Step up when the signal fires

Verify

When a signal fires, re-verification confirms the person or the ownership change using the same live methods above, so a flag turns into a resolved decision.

Keep the file audit-ready

Comply

Every check and decision is logged to the record-keeping standard in Section 55 of the CJA 2010, so files stay organised and retrievable for supervisory review.

Perpetual KYC

pKYC

Keeps individual customer risk current with behavioural biometrics, background fraud signals and ongoing AML screening, so back-book records stay standard-ready.

Perpetual KYB

pKYB

Monitors CRO filings and RBO beneficial ownership data for shareholding and control changes, so a shift past the 25% or more UBO threshold is caught between reviews.

REGULATORY ALIGNMENT

Built To Fit Ireland's Compliance Landscape

Central Bank of Ireland (CBI)

Supervises credit institutions, payment firms, investment firms and crypto-asset service providers for AML. Shufti aligns identity evidence, risk classification logs and ongoing monitoring to Central Bank AML and CFT guidelines.

Financial Intelligence Unit Ireland (FIU Ireland)

Receives suspicious transaction reports through goAML and sits within An Garda Síochána. Decision audit trails, risk indicators and escalation logs support STR documentation.

Data Protection Commission (DPC)

Enforces GDPR and the Data Protection Act 2018 in Ireland. Data minimisation, lawful-basis processing and EU-region hosting keep Irish personal data handling compliant.

Companies Registration Office (CRO)

Ireland’s statutory company register. KYB workflows verify legal status, the company registration number, directors and filings against CRO records.

Revenue Commissioners

Administers tax registration and VAT, and operates the trust beneficial ownership register CRBOT. Shufti verifies Tax Reference Numbers and VAT registration during KYB.

Charities Regulator

Regulates charitable organisations for financial transparency and governance. Shufti’s KYB checks support charity onboarding and screening of the people who control them.

Department of Finance

Leads Ireland’s AML and CFT policy and chairs the AML Steering Committee. Shufti supports risk-based-approach documentation and the record retention the CJA 2010 requires.

AMLA (EU Anti-Money Laundering Authority)

The new EU-level supervisor has been established in Frankfurt since July 2025. It begins direct supervision of selected high-risk cross-border entities from 2028 and shapes technical standards under AMLR.

Deployment Option

Cloud in EU regions, including Ireland, or on-premise, keeps Irish customer data in-region and supports GDPR accountability.

Regulatory Alignment

Aligned with CJA 2010 due diligence, beneficial ownership and record-keeping duties, with GDPR and the Data Protection Act 2018, and with AMLR from 10 July 2027.

Retention Controls

Section 55 of the CJA 2010 sets a five-year minimum. The clock starts when the service ends or at the last transaction, whichever is later, and An Garda Síochána may direct up to five further years. From 10 July 2027, AMLR Article 77 applies a five-year baseline, with case-by-case extensions of up to five more years.

Encryption & Security

Encryption in transit and at rest, with access controls and audit logging, supports Article 32 GDPR and Data Protection Act 2018 duties under ISO 27001 certification.

Scope of Our Role

Shufti acts as a data processor and provides verification technology, not legal or regulatory advice. Customer due diligence and the choice of verification method remain with the obliged entity, documented in its own risk assessment.

AI Act Position

Article 50 AI Act transparency duties apply from 2 August 2026, and Shufti supports disclosure and human review in verification workflows.

Data and Privacy Controls in Ireland

BUILT FOR COMPLIANCE TEAMS

Ireland AML Sources That Strengthen Decisions

We screen against 215+ sanction regimes, 4,000+ watchlists, 100,000+ adverse-media sources, and 6M+ PEPs across Ireland and globally. A few of them are:

Central Bank of Ireland (CBI)

Financial Intelligence Unit Ireland (FIU Ireland), An Garda Síochána

Anti-Money Laundering Compliance Unit (AMLCU), Department of Justice

Department of Finance

Companies Registration Office (CRO)

Central Register of Beneficial Ownership (RBO)

Revenue Commissioners

Central Register of Beneficial Ownership of Trusts (CRBOT)

Data Protection Commission (DPC)

Houses of the Oireachtas

Financial Action Task Force (FATF)

EU Consolidated Financial Sanctions List

UN Security Council Consolidated List

European Banking Authority (EBA)

EU Authority for Anti-Money Laundering (AMLA)

SEE SHUFTI IN YOUR IRELAND WORKFLOW

Turn Irish Verification Requirements into a Smoother Customer Journey

Share your customer types, risk rules and current onboarding process. A Shufti specialist will show you how to connect identity verification, KYB, QES, Penny Drop and ongoing monitoring, reducing operational hand-offs while keeping decision evidence organised for compliance review.

Book an Ireland Compliance Demo Explore AMLR Solutions

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Frequently Asked Questions

Which identity documents can be used for Irish onboarding?

Customers can use the Irish passport, including its NFC chip, along with the Irish passport card and the Irish driving licence. Eligible EU and EEA identity cards, passports and the Irish Residence Permit can also be accepted when they meet the applicable CJA 2010 requirements. Shufti supports document, NFC and biometric verification in one workflow.

How does Shufti support Central Bank of Ireland-supervised businesses?

Shufti connects identity verification, KYB, AML screening, QES, account verification and decision evidence in one configurable workflow. This helps businesses within the Central Bank of Ireland’s supervisory remit reduce manual hand-offs, standardise compliance records and prepare clearer evidence for internal audit and applicable supervisory review.

What documents are required for KYB in Ireland?

Typically a Certificate of Incorporation from the Companies Registration Office, the Tax Reference Number, a VAT registration certificate and beneficial ownership details from the RBO. Shufti verifies these in real time and screens the UBOs behind them against sanctions and PEP lists.

How are Irish name variants handled in screening?

Matching accounts for Ó, Mac, Mc and Ní prefixes, fada marks and bilingual English and Irish name fields, so legitimate Irish names resolve correctly and false positives on Irish names stay low.

How long must AML records be retained in Ireland?

Five years. Section 55 of the CJA 2010 requires records to be kept for at least five years from the date the service to the customer ends or the date of the last transaction, whichever is later. A member of An Garda Síochána not below the rank of Sergeant may direct up to five further years.

Is EU-region data hosting available?

Yes. Shufti offers EU-based cloud regions, so Irish customer data stays in-region in line with GDPR and the Data Protection Act 2018. On-premises deployment is available where residency requirements are stricter.

What changes for Ireland under AMLR from July 2027?

AMLR applies directly, so no Irish transposition law is needed. Article 22(6) points to eIDAS electronic identification means and qualified trust services; document plus biometric checks stay a lawful route, and the beneficial ownership test moves to 25% or more.

Does Ireland have an eIDAS-notified eID scheme?

No. Ireland has not notified an electronic identification scheme under Regulation (EU) No 910/2014, and it does not appear on the European Commission’s published list of notified or pre-notified schemes. Shufti verifies Irish customers through NFC chip reading, docless database checks, documents and biometrics.

How do QES and account verification work together in Ireland?

Irish law does not set a qualified electronic signature plus payment-account identification route. The payment-account limb in the original Section 33(4) of the CJA 2010 was deleted in 2018. Shufti still connects QES, account verification and supporting evidence in one workflow, subject to the applicable account and transaction requirements.

When will the EU Digital Identity Wallet be usable for onboarding in Ireland?

Under eIDAS 2.0, member states target wallet availability from the end of 2026, and private relying parties that use strong customer authentication accept wallets in the period after that. Ireland’s Government Digital Wallet ran a public consultation and closed beta testing during 2026, and Shufti is built to accept wallet-based verification as it goes live.

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CEO of Safwa Bank

“We take our client’s privacy very seriously and always look for new innovative solutions to ensure a safe banking experience. Working with Shufti feels like a breath of fresh air, as their 100% in-house tech keeps our customer’s data free from vulnerabilities and fully safe and protected.”

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PROVEN PLAYBOOKS

Explore Practical KYC & AML Resources

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10 July, 2026

Identity Verification in Europe: eIDAS 2.0 & EUDI Wallet

A practitioner's guide to verifying identity in Europe, covering eIDAS 2.0, the EUDI Wallet, docless eIDV and how to choose an eID provider for onboarding in the EU.

Product Guide

4 August, 2026

EU AMLR Guide 2027: Requirements, Scope, Deadlines

Regulation (EU) 2024/1624 applies from 10 July 2027. Covers which firms fall in scope, what CDD and ownership checks demand, and how AMLR differs from AMLD6 today.

Product Guide

9 September, 2026

How to Remediate Existing Clients' Files Under EU AMLR

AMLR applies from 10 July 2027 to the files you already hold. Find CDD gaps in existing customers, rank them by risk, and record decisions auditors can follow later.

Product Guide

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