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[Music] hello im joao reginato i am vp of product for circle and today im going to talk about our payments product the next generation payments processing solution we have reimagined processing payments to accept global payments across traditional and blockchain rails in one powerful integration you can let international customers pay with their preferred payment method whether it is familiar methods like cards and bank accounts or blockchain wallets that span the internet all in one unified api all transactions settle in uscc directly into your circle account where you can convert to a connected bank account or leverage the power of on-chain digital dollars open up new markets and drive down costs to your business with payments infrastructure powered by [Music] usc