What the MetaMask card actually does with your crypto — and where it goes wrong

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The MetaMask card is, at its heart, a spending card wired straight into a self-custody wallet. There is no bank account behind it and no pre-loaded balance sitting with a provider: when you pay, the tokens leave your own wallet, under your own keys, at the moment of the purchase. That design is genuinely different from the custodial crypto cards that came before it, and it is the reason the card exists at all. It is also the reason the sharp edges are where they are — because every mistake, frozen card or delayed refund lands on you, not on a support desk that holds your money for you.

The conditions described here are current as of October 28, 2026.

I read the card’s own pages with the same care I’d give any product I might depend on: who can actually get one, what it costs at each step, what happens when a payment goes sideways, and what the people who already have it say when things break. The short version: this is a well-built everyday card for people who already live in a self-custody wallet, priced and structured sensibly, wrapped in a support system that is the weakest link in the chain. It scores 7.1 out of 10 overall.

Who it suits: you already keep real money in a MetaMask wallet, you live in one of the listed countries, and you want a card that spends from that wallet with no conversion dance and no custodian in the middle. The virtual card is free, adds straight to Apple Pay and Google Pay, and pays cashback into your own account. That is a genuinely good deal for the right person.

Who it does not suit: if your main worry is having money available when something goes wrong, this is not the card. Support response times, tickets looping through automated replies, and money landing in an internal “Credits” balance instead of your wallet are the recurring complaints. If you are in the United States or the United Kingdom, sign-ups are temporarily closed anyway. And if the idea of self-custody is itself the thing that scares you — a lost seed phrase means a lost balance with no recovery — you are being asked to take on more risk than a regular debit card ever would.

Verdict: 7.1 out of 10, and a clear idea of who it is for

The score is not a verdict on the wallet, which is a separate product with a separate reputation. It is a verdict on this card: what it does well, what it does badly, and how much of the difference is design and how much is execution.

That reliability line is the one that decides the total. Everything else about this card is close to what a good product looks like. When something does go wrong — and on a card that touches your own keys, something eventually will — the reported experience is a support ticket that stalls and a refund that parks in an internal balance. A card is a promise that the money comes back. This one, right now, keeps breaking that promise often enough to matter.

The everyday-use score is the highest of the five, and it deserves the emphasis, because it is the reason the other four can be forgiven by the right reader. This is not an exotic card. It is a virtual Mastercard you can add to your phone’s wallet in the same minute it appears, spend at any ordinary shop, and use at an ATM, with cashback landing back in your own account. For someone whose money is already in a wallet, that is the feature that replaces the bank.

The reader this card is built for, plainly, is the self-custody wallet user in Europe or Latin America. Not a gambler chasing a rewards tier, not someone looking for a bank substitute, not someone for whom the card is a first contact with crypto. It is a spending front-end for funds you are already holding yourself. If that is you, read on — there is a lot to like here. If it is not, the alternatives below will serve you better.

Who will they give you the card

Sign-up is open in 45 listed countries and territories. The full official list, with Russia, Belarus and Turkey notably absent, is: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay.

That is a wide map, but not a global one. Readers outside it do not get a flat no — other regions join a waitlist, and the card’s own phrase for this is worth repeating because it is unusually honest: ineligible regions limit sign-ups, not spending. In other words, if you can get a card, you can use it where you travel.

Two things stand out on that list. Canada is on it, which is unusual for a crypto card. The United States and the United Kingdom are not, and their sign-ups are temporarily closed per the FAQ. If you are American or British, this card is not available to you today, and no amount of checking will change that this month.

The citizenship rule is not stated. This matters, and I want to be precise about what that means rather than gloss it. Sign-up is residence-based: proof of residency is required, and the list above is a list of places you must live. But nationality is recorded and screened separately from residence, because sanctions screening and issuer risk policy are usually applied to citizenship and country of birth as well as to address. A resident of a supported country who holds an ID from a restricted region may still be refused at the identity check. The card’s public pages do not tell you which nationalities are affected, so if your situation is not straightforward, the only honest answer is to find out at the application step rather than assume either way.

Age is also not stated. Prepaid and debit cards are generally available to adults (18+), and some issuers set higher limits, so assume 18 is the floor unless told otherwise.

How to get it

You apply inside the MetaMask app, and the process is short in the way of a well-run KYC — but the card’s public pages leave several details unstated, so here is exactly what is known and what is not.

What is stated:

• Proof of residency is required. A verified address is additionally needed if you want the Metal card shipped to you.
• The identity check is handled by Crypto Life. There is no credit check — nobody is assessing your borrowing, only your identity.
• The card is a Mastercard. A virtual card is issued first and activates instantly, with no physical card mailed at sign-up.
• The Metal card can be pre-ordered in the app once the Virtual card is approved. One card per user.
• The issuer is Monavate; the card provider is Crypto Life.
• MetaMask Card Support is available 24/7 for assisted replacement in your region.

What the public pages do not state: which specific KYC documents are required, how long processing takes, what the identity-check levels are, and what the stated rejection reasons are. That is a real gap, not a formality — you should know what you are being asked for before you start.

Unofficial reporting, from community and third-party sources rather than the card, describes the sign-up as requiring email, phone and ID, with address proof and a selfie not required, and approval described as fast or near-instant. Treat this as a useful expectation-setter, not a promise: the card itself only commits to proof of residency and no credit check.

Delivery is where the practical friction appears. The virtual card is instant, which is the whole point for anyone who just wants to start spending. The Metal card “ships securely to a verified address”, but delivery time, delivery cost and replacement cost are not stated. Unofficial reports are less cheerful than that: one App Store reviewer reports a promised two-week delivery that took over a month. That is a single report, not a pattern, but it is enough to say — do not order Metal expecting it to arrive next week, and factor the delay into any plan that depends on having the physical card.

One practical note on activation. Because the virtual card activates instantly and lives inside your MetaMask app, “activating” it is not a separate ritual — the card is there once your identity check clears. Your MetaMask Card Support channel is the route for assisted replacement, and Crypto Life support is reachable via the email on the FAQ page.

Fees: what it really costs

The headline cost is attractive and the details are thinner than I would like. The virtual card is free with no annual and no maintenance fee. Metal is $199/year. On top of that, the card’s own wording is that each transaction carries a “minimal fee”, with no amount published on the pages I read and the detail deferred to a fee table — and that there are no additional MetaMask fees, and no foreign transaction fee, since the Mastercard rate is used. That last part is the genuinely good news: the tax on currency conversion, the thing that quietly eats most travel cards, is simply absent here.

Let me walk through three ordinary payments and show you where the money actually goes, because a fee you cannot name is a fee you cannot budget for.

A coffee, roughly $5, paid in your local currency from a wallet holding a dollar stablecoin. The card spends your delegated token balance. The conversion uses the best rate Mastercard allows, with no added currency fee on top. What you are left paying is the “minimal fee for each transaction” — which is the one number the card does not publish on the pages I read. If that fee is even a modest fraction of a dollar, it will matter far more on a $5 coffee than on a $500 purchase. On a small transaction, the per-transaction fee is proportionally expensive. This is the single thing I would want answered before I relied on this card for daily small purchases.

A monthly subscription, say a streaming service at $12. The same mechanics apply: converted at the Mastercard rate, no currency fee, minus the per-transaction fee. One MetaMask-specific advantage here — the virtual card stays active for subscriptions even if you freeze or replace the physical one, and you can freeze and replace in the app instantly. That is exactly the control a subscription-heavy user wants.

An ATM withdrawal, say $200. This is where the figures get interesting, because there are two ATM stories and they contradict each other. The card page states ATM limits of $1,000/day for Virtual and $5,000/day for Metal, and mentions free ATM withdrawals “up to $1,200/mo” with the tier unclear. An older FAQ version says cash withdrawals are available only to Metal and US Virtual users. Which is true depends on which version of the FAQ you are reading. If ATM access matters to you, this is a question to ask support before you rely on it, not after.

On limits, the card page gives $15,000/day for Virtual and $30,000/day for Metal; an older FAQ cites 8,750 EUR or 10,000 USD per day. Again the versions conflict. The comfort here is that you can set your own daily, weekly and monthly limits in the app, below the ceiling. That is the right feature: your limit, not the provider’s.

Two more things the card does not state: the currency the card itself denominates in, and which merchant categories are blocked. The second one is a genuine gap for anyone who cares about gambling or similar. Gambling carries MCC 7995, many issuers block it on specific cards by policy rather than by law, and the blocked list varies by issuer — so you cannot assume, and the card does not say.

Card currency is not stated. You spend in tokens, and FX uses the best rate Mastercard allows, so this matters less than it would elsewhere, but if you want to know what your statement will look like, the answer is not published.

Unofficial third-party listings describe monthly, issuance, ATM, FX, top-up and decline fees as all free. That directly contradicts the card’s own “minimal fee for each transaction” and the Metal $199/year, and I would not plan around it. Where the official pages and a third-party table disagree, the official pages are the ones I would rely on — and here they already contradict each other across FAQ versions.

Top up: there is nothing to top up

This is the part that confuses newcomers most, so let me put it plainly: you do not top up this card. There is no pre-loading step, no prepaid balance held by a provider, no minimum top-up, no deposit address to send funds to and hope for. Spending draws directly on tokens you have delegated to the card from your connected wallet. The card balance you see in the app is the highest-priority token set, which you manage yourself.

The networks the card works across are Linea, Base, Monad and Solana. The tokens it names are mUSD, wETH, EURe, GBPe, USDC and USDT — the page says nine are supported in total. These include dollar-, euro- and sterling-pegged options, so a European user is not forced to hold dollars and eat conversion on everything.

The practical consequences of the no-preload model are worth internalising:

• No overdraw is possible. The card can only spend what the wallet actually holds. There is no credit line, and no debt to fall into.
• Your funds stay in your wallet. If the card is frozen or deactivated, the money does not go anywhere — it stays where it was, under your keys. This is the single strongest argument for the self-custody design.
• A Solana-only wallet does not pay out. The card cannot withdraw credit from a wallet that lives only on Solana. If your funds are on Solana, you need the card’s other networks available too, or that withdrawal will fail.
• Monad withdrawals have sponsored gas. A small courtesy, but a real one — it removes one common failure point.

Network fees, deposit fees and minimum top-up amounts are not stated. The fee table on the support site returned no figures when I looked. So the honest position: the on-chain cost of getting funds into the right network is charged by the blockchain, not by the card provider, and the card does not publish what it adds on top — which may be nothing.

Withdrawals go out as mUSD. Money Account holders withdraw to their vault as Monad mUSD; others withdraw to their priority EVM address as Linea mUSD. Monad withdrawals have sponsored gas. The withdrawal fee is not stated. To close the card, you contact Crypto Life support.

Paying with it every day

This is the strongest part of the card, and it is worth being concrete about what “everyday” looks like.

Apple Pay and Google Pay are both supported. This matters more than it sounds: tapping to pay is how most people actually spend, and a card that only works by typing its number into websites is not an everyday card. Because the number is tokenised — Apple Pay replaces the card number with a device-specific number stored in the Secure Element, never on Apple’s servers, with a fresh one-time security code per payment — you can add it to your phone once and stop thinking about it. The issuer can also restrict that tokenised number, for example blocking it on magnetic-stripe use, so the card’s behaviour can differ slightly between physical and phone.

The rewards are real but modest, and the headline number needs its footnote. Cashback is paid in mUSD into your Money Account: 1% on the virtual card; 3% on Metal, but the footnote limits that 3% to the first $10,000 spent, after which it drops to 1%. Alongside cashback there is a $FLY bonus — 5X on Virtual, 7X on Metal — earned through the Blackbird dining app. The exact coins and networks for the FLY bonus are as the card states them; treat the multiple as a dining-app incentive, not as a card rebate.

Disputes follow a clear two-step process, which is good practice and worth knowing before you need it: ask the merchant for a refund first, and if that fails, request a chargeback from Crypto Life support. Refunds go to the Credits balance. The time frames for either step are not stated, and that is exactly the number you would want in a moment of stress.

Two everyday-use items the card does not publish: the app store ratings, and any list of blocked merchant categories. The card is managed inside the MetaMask app itself, which is convenient if you already live there and one more thing to learn if you do not.

What can go wrong

The card’s own status page is frank about part of this: sign-ups in the US and UK are temporarily closed, and Metal availability is limited. The FAQ versions on limits and ATM contradict each other in ways I have described. The same page states the Metal card is available in the US while also closing US sign-ups — another internal contradiction, which tells you the documentation is moving faster than it is being reconciled.

The complaints are the more serious material, and I have separated what the card says from what users report, because they are not the same kind of evidence.

From users and third parties, not confirmed by the card:

• Refunds getting trapped in a Crypto Life “Credits” balance instead of reaching your wallet. This is the most damaging complaint, because a refund you cannot access is worse than no refund.
• Support tickets looping through automated replies without reaching a human. MetaMask Card Support is nominally 24/7; unofficial reports describe slow responses, copy-paste replies and no live chat.
• Cards frozen at lifetime-transaction limits until a manual upgrade, and accounts closed for inactivity.
• Bridging to Linea or Base can erode cashback.
• A physical card promised in two weeks arriving after more than a month.

For context on the wider wallet rather than the card: Trustpilot showed 1.4/5 from 647 reviews for MetaMask the wallet overall, read on 2026-10-20, with recurring themes of poor support and slow resolution. That is the wallet’s reputation, not the card’s, but the support desk behind the card is Crypto Life, not MetaMask, and the card-specific complaints above are the ones that should shape your expectations.

The structural risk is the one nobody can fix by trying harder. This card touches your own keys. A seed phrase — typically 12 to 24 words — is an unencrypted form of your private key, and anyone who obtains it can restore the wallet and spend its funds. Blockchain transfers are typically irreversible, and a stolen key has no built-in recovery: the network cannot freeze or return the money. With a self-custody-linked card the funds stay in your wallet until the moment of payment, but you carry sole responsibility for key loss, for phishing, and for clipboard-hijacking malware that swaps a copied address. That is the trade you are making, and it is a real one.

There are also platform risks outside your control. The card is a Mastercard programme issued by Monavate and provided by Crypto Life; the site’s footer carries “Copyright 2026 Consensys, Inc.” but the FAQ does not say Consensys provides the card. Unofficial sources name Monavate Limited as the FCA-regulated entity handling UK complaints; the issuer’s registered country and licences are not stated on the pages I read. And crypto card programmes do close. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its programmes. A reported 2026 closure shows the shape of one: new loads end, spending stops, then users are asked to withdraw remaining balances. That last item comes from a single unconfirmed secondary source, but the pattern is well established.

One more risk that is easy to forget: stablecoins are not what their name promises. They aim to hold a stable value, but as the BIS put it in July 2025, despite the name they are not necessarily stable — around 90% of stablecoin market capitalisation sits in USDT and USDC, and USDC briefly lost its peg in March 2023 during the US banking crisis. Tether also says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity. Spending “in dollars” from a stablecoin is spending something that can move.

What to take instead

None of these are better than MetaMask at the one thing MetaMask does uniquely: spending straight out of a self-custody wallet you already control. They are better on the axes where this card is weakest — support, published fees, and predictable cashback. Read them as alternatives if your priority is those, not as replacements for the wallet model.

KAST — score 6.1/10. Its strength is that it publishes its fee schedule in full, which MetaMask does not. Stablecoin top-up 0%, spending in USD 0%, transaction fee 0%, Apple and Google Pay 0%. The costs come instead from the tiers: Standard membership is 0 USD, Premium 1,000 USD/year, Private 10,000 USD/year, billed annually upfront with no monthly option. An extra virtual card is 2 USD; a Standard physical card has a 0 USD card fee plus 40 USD delivery; an inactivity fee of 1 USD/month kicks in after 12 months. Cashback runs 1.5% on the first 2,000 USD/month (Standard), 2% on the first 10,000 (Premium), 3% on the first 40,000 (Private). It supports up to 10 cards per user and Visa Platinum, Visa Infinite metal and gold-plated designs. Two cautions: the fee on non-USD transactions is 0.5%–1.75% depending on your country of residence, transaction country and card programme, and under 25 USD non-USD transactions cost a flat 0.10 USD; a declined transaction for insufficient balance costs 0.50 USD. On eligibility, KAST shows a residence-based list at KYC, does not publish the country list, and is explicit that living in a supported country while holding an ID from a restricted region may still make you ineligible — an ID from a supported country may help, only your own ID counts, and a VPN does not bypass this. You can create an account in an unsupported country, but KYC stays locked. It supports USDT, USDC, PYUSD and RLUSD; its own Terms say the acceptable tokens are “currently USDT and USDC”, which conflicts with the wider list.

Zeal — score 6.1/10. Spends in 150+ countries, with a Visa card, a virtual card for online use, addable to Apple Pay, and accounts in EUR, USD and GBP via Gnosis Pay. On fees it is clean: no additional FX fee, conversion at the Visa wholesale rate, though Gnosis Pay fees such as ATM may still apply. The weakness is disclosure — no fee schedule is published on its site or App Store, and its cost is simply not stated. Rewards are up to 4% cashback paid in GNO on Gnosis Chain, but you must hold GNO in the card Safe to qualify and rates can change; the App Store also advertises up to 5% variable APY on EUR and USD balances. Its card programme is live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, the Philippines, Indonesia and Thailand, though issuance “depends on eligibility and regional availability”, and no physical card is stated.

Rizon — score 6.7/10. The highest of the three, and the most openly priced — though with a catch. Services are “intended for people who live in and are domiciled in” the US or LATAM countries and may be restricted elsewhere, even as the page claims 122+ countries supported. Cards are Visa Platinum: virtual, physical, with metal coming soon. Deposit is free and card spend in USD is free, but non-USD spending costs 1.7% plus $0.1, and the trading fee is 1.7% — with an Emerald subscription quoted at 5.59 USD/month and lower rates for members (the Emerald figures on the page are garbled, 1.02% FX and 0.85% trading, and should be verified in the app). Card and replacement pricing is simply “check app for the price”. Cashback is 2.5% on eligible purchases including ATMs, redeemable from a cashback balance, with RizPoints on spending. Which coins and networks it supports is not stated.

My own reading of the three: if your problem with MetaMask is that nobody publishes the numbers, KAST is the honest alternative even at higher membership tiers. If your problem is wanting a card in a specific country outside MetaMask’s 45, Zeal’s 150+ countries is the widest reach on offer. If you are in the US or LATAM and read that as a stablecoin spending account as much as a card, Rizon is worth a look. All three are custodial in a way MetaMask is not, and that difference is not a detail — it is the reason the wallet card exists at all.

Who I would recommend it to

I would recommend the MetaMask card to exactly one kind of person, and I would be honest about the boundaries.

If you already run a self-custody wallet as your main money, you live in one of the 45 listed countries, and you want to spend from it directly — no exchange, no transfer to a card account, no provider holding your balance — then this card is close to ideal. The free virtual card, instant activation, Apple Pay and Google Pay, cashback in mUSD, the absence of any foreign transaction fee, and the fact that a frozen card leaves your money untouched in your own wallet: that combination is hard to argue with. The everyday-use score of 9 out of 10 is not marketing, it is the design working.

I would not recommend it to you if any of the following is true. If you are in the United States or the United Kingdom, you cannot get it right now. If you need to know exactly what a transaction costs before you spend, you will not find that published and should ask first. If you rely on cash withdrawals, the card’s own ATM pages contradict each other and you should resolve that with support before depending on it. If your tolerance for a stuck refund is low — if a support ticket looping through automated replies would genuinely hurt you — read the complaints section again and weigh it honestly. And if the idea of holding your own keys is a source of anxiety rather than reassurance, this card asks you to carry that weight and offers no deposit guarantee, no insurance — insurance is not stated — and no recovery if you make a mistake.

The middle case, which is most people, is this: use the virtual card, set your own spending limits below the ceilings, keep only what you need in the delegated balance rather than everything, and treat the Metal tier as something to consider only if you will genuinely use the higher limits and the 3% first-$10,000 cashback. That is not a hedge; it is how the product is designed to be used safely.

Frequently asked questions

What is the MetaMask card?

The MetaMask card is a Mastercard that spends directly from your own self-custody wallet. No bank account sits behind it and no provider holds a balance for you — when you pay, tokens leave your wallet, under your own keys, at the moment of purchase. It works across the Linea, Base, Monad and Solana networks, with tokens including mUSD, wETH, EURe, GBPe, USDC and USDT. The virtual version is free and activates instantly; a Metal version costs $199 per year.

Is MetaMask a bank?

No, and this distinction matters more than it might seem. MetaMask is a crypto wallet; the card is issued by Monavate and provided by Crypto Life, with the site footer carrying “Copyright 2026 Consensys, Inc.” — though the FAQ does not say Consensys provides the card. The issuer’s registered country and licences are not stated on the public pages. Because your funds stay in your own wallet rather than an account, they are not bank deposits and are not covered by a deposit guarantee scheme.

Who owns MetaMask?

Consensys, Inc. appears in the site footer as the copyright holder, and MetaMask was founded by Consensys. But the card itself is a separate arrangement: Monavate is the issuer and Crypto Life is the card provider, handling both the identity check and support. The card’s FAQ does not say Consensys provides the card, so it is safer to treat the wallet company and the card programme as related but distinct.

Does the MetaMask card require KYC?

Yes. Proof of residency is required, and the identity check is handled by Crypto Life. There is no credit check — nobody is assessing your borrowing. A verified address is additionally needed for Metal shipping. The card’s public pages do not state which specific documents are required, how long processing takes, or the rejection reasons. Unofficial sources describe email, phone and ID with approval as fast or near-instant, but that is not a commitment from the card.

How do I get the MetaMask card?

You apply inside the MetaMask app. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Germany, Mexico, Spain, Uruguay and others — with other regions on a waitlist. Once your identity check clears, a virtual Mastercard activates instantly with nothing mailed to you. Metal can be pre-ordered in the app after Virtual approval, one card per user. US and UK sign-ups are temporarily closed.

Is the MetaMask card free?

The virtual card is free, with no annual and no maintenance fee. The Metal card costs $199 per year. Beyond that, the card’s wording is a “minimal fee for each transaction” with no amount published on the pages I read, and no additional MetaMask fees. There is no foreign transaction fee — the Mastercard rate is used. Card spend limits are $15,000/day on Virtual and $30,000/day on Metal, and you can set lower limits yourself.

Is the MetaMask card safe?

It depends on what you mean. The funds stay in your own wallet until the moment of payment, and freezing the card leaves your money untouched — that is the strong side. But self-custody means sole responsibility for key loss, phishing and malware that swaps copied addresses; blockchain transfers are typically irreversible with no built-in recovery. Insurance is not stated. The weaker side is execution: complaints include refunds trapped in a Crypto Life “Credits” balance and tickets looping through automated replies.

How do I top up the MetaMask card?

You don’t. There is no pre-loading — spending draws on tokens you have delegated to the card from your connected wallet, and the balance shown is the highest-priority token set you manage. The card works across Linea, Base, Monad and Solana. Because there is no stored balance, the card cannot overdraw. Note that a Solana-only wallet cannot withdraw credit from the card. Network fees, deposit fees and minimum top-up amounts are not stated by the card.

Can I use the MetaMask card in my country?

If you live in one of the 45 listed countries, sign-up is open, and the card can be used where you travel — ineligible regions limit sign-ups, not spending. Other regions join a waitlist. US and UK sign-ups are temporarily closed. Sign-up is residence-based, but nationality is screened separately from residence, and the citizenship rule is not stated, so a resident of a supported country holding an ID from a restricted region may still be refused at the identity check.

How do I withdraw money from MetaMask?

Withdrawals go out as mUSD: Money Account holders withdraw to their vault as Monad mUSD, others to their priority EVM address as Linea mUSD. Monad withdrawals have sponsored gas. A Solana-only wallet cannot withdraw. The withdrawal fee is not stated by the card. To close the card, you contact Crypto Life support — and your funds stay in your own wallet if the card is frozen or deactivated.

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