---
description: Compare the top 2026 Yokoy alternatives. See analyst ratings, pricing, and features for competing Spend Management Software to find your perfect fit. Compare now!
---

[Home](https://www.selecthub.com/) > [Accounting & Financial Management](https://www.selecthub.com/research/accounting/) > [Spend Management Software](https://www.selecthub.com/c/spend-management-software/) > [Yokoy](https://www.selecthub.com/p/spend-management-software/yokoy/) > Yokoy Alternatives

# Top Yokoy Alternatives & Competitors For 2026

Last Updated: October 29th, 2026

We compared **[Yokoy](https://www.selecthub.com/p/spend-management-software/yokoy/)** against four alternatives worth considering, so you can see where each one shines and where it falls short. Our comparison is based on user reviews and publicly available information about each product’s features and pricing.

Remove Add to Compare

Select Product Concur Coupa DSSI Fieldglass Payhawk Paytron PEX Rippling Spend Spendesk Spendwise Teampay Weel Workday Spend Management Xeeva Yokoy Zylo

[![Yokoy Software Tool](https://cdn.selecthub.com/products/11997aab46c754fb90f36b9d8e4eaf99-fd214a88f8241944ad0fd0fde55af48f/resources/normal/logo.png?1733322908)](https://www.selecthub.com/p/spend-management-software/yokoy/)

[![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg)](#awards-section)

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Select Product Concur Coupa DSSI Fieldglass Payhawk Paytron PEX Rippling Spend Spendesk Spendwise Teampay Weel Workday Spend Management Xeeva Yokoy Zylo

[![Coupa Software Tool](https://cdn.selecthub.com/products/1368ba1ab6ed38bb1f26f36673739d54-9bb39c296a3b3e33738bca3538fe58a2/resources/normal/logo.png?1693316695)](https://www.selecthub.com/p/spend-management-software/coupa/)

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Select Product Concur Coupa DSSI Fieldglass Payhawk Paytron PEX Rippling Spend Spendesk Spendwise Teampay Weel Workday Spend Management Xeeva Yokoy Zylo

[![Payhawk Software Tool](https://cdn.selecthub.com/products/2c3587935e1f0e6c91c964d95d746a16-f66b05270e4290e3666ca1483780cef1/resources/normal/logo.png?1733321927)](https://www.selecthub.com/p/spend-management-software/payhawk/)

[![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg)](#awards-section)

Remove Add to Compare

Select Product Concur Coupa DSSI Fieldglass Payhawk Paytron PEX Rippling Spend Spendesk Spendwise Teampay Weel Workday Spend Management Xeeva Yokoy Zylo

[![Paytron Software Tool](https://cdn.selecthub.com/products/87d2df31d91c857ffb1a3d5caf45f766-eacf331f0ffc35d4b482f1d15a887d3b/resources/normal/logo.png?1693324012)](https://www.selecthub.com/p/spend-management-software/paytron/)

[![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg)](#awards-section)

Remove Add to Compare

Select Product Concur Coupa DSSI Fieldglass Payhawk Paytron PEX Rippling Spend Spendesk Spendwise Teampay Weel Workday Spend Management Xeeva Yokoy Zylo

[![Rippling Spend Software Tool](https://cdn.selecthub.com/products/83606b4a6a0750fab695d8338a14844b-70573f331df54bb3926875ee0f9b88df/resources/normal/logo.png?1744237048)](https://www.selecthub.com/p/spend-management-software/rippling-spend/)

[![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg)](#awards-section)

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=Spend+Management+Software&product_name=Yokoy&product_logo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F11997aab46c754fb90f36b9d8e4eaf99-fd214a88f8241944ad0fd0fde55af48f%2Fresources%2Fnormal%2Flogo.png%3F1733322908)

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=Spend+Management+Software&product_name=Coupa&product_logo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F1368ba1ab6ed38bb1f26f36673739d54-9bb39c296a3b3e33738bca3538fe58a2%2Fresources%2Fnormal%2Flogo.png%3F1693316695)

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=Spend+Management+Software&product_name=Payhawk&product_logo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F2c3587935e1f0e6c91c964d95d746a16-f66b05270e4290e3666ca1483780cef1%2Fresources%2Fnormal%2Flogo.png%3F1733321927)

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=Spend+Management+Software&product_name=Paytron&product_logo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F87d2df31d91c857ffb1a3d5caf45f766-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693324012)

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=Spend+Management+Software&product_name=Rippling%2BSpend&product_logo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F83606b4a6a0750fab695d8338a14844b-70573f331df54bb3926875ee0f9b88df%2Fresources%2Fnormal%2Flogo.png%3F1744237048)

### Product Insights

Product Ranking

## #13

among all  
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## #2

among all  
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## #10

among all  
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## #6

among all  
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## #14

among all  
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[Find out who the leaders are](https://pmo.selecthub.com/request-custom-scorecard?post_type=alt_article&name=spend-management-software__yokoy&category_slug=spend-management-software&product_slug=yokoy)

Price Starts From

Custom Quote 

i

[Free Trial is available →](<https://pmo.selecthub.com/free-trial/?product_name=Yokoy&category=Spend Management Software&product_logo=https://d3uimxdj41cg3o.cloudfront.net/products/11997aab46c754fb90f36b9d8e4eaf99-fd214a88f8241944ad0fd0fde55af48f/resources/normal/logo.png?1733322908>)

$499 Annually

[Free Trial is available →](<https://pmo.selecthub.com/free-trial/?product_name=Coupa&category=Spend Management Software&product_logo=https://d3uimxdj41cg3o.cloudfront.net/products/1368ba1ab6ed38bb1f26f36673739d54-9bb39c296a3b3e33738bca3538fe58a2/resources/normal/logo.png?1693316695>)

$299 Monthly

Free Trial is unavailable →

$9/User, Monthly

[Free Trial is available →](<https://pmo.selecthub.com/free-trial/?product_name=Paytron&category=Spend Management Software&product_logo=https://d3uimxdj41cg3o.cloudfront.net/products/87d2df31d91c857ffb1a3d5caf45f766-eacf331f0ffc35d4b482f1d15a887d3b/resources/normal/logo.png?1693324012>)

$11/Employee, Monthly

[Free Trial is available →](<https://pmo.selecthub.com/free-trial/?product_name=Rippling Spend&category=Spend Management Software&product_logo=https://d3uimxdj41cg3o.cloudfront.net/products/83606b4a6a0750fab695d8338a14844b-70573f331df54bb3926875ee0f9b88df/resources/normal/logo.png?1744237048>)

Pros

- **AI-Powered Automation:** User reviews consistently highlight Yokoy's artificial intelligence for automating expense reports, approvals, and invoice processing, saving time and reducing errors.
- **Real-Time Spend Visibility:** Users appreciate the real-time insights into company spending, allowing for better financial decision-making and control.
- **Customizable Approval Workflows:** The platform's flexibility in creating custom approval workflows is praised for simplifying complex approval processes and ensuring compliance with company policies.
- **Seamless Integrations:** Users mention the benefit of Yokoy's ability to integrate with various other business software solutions, streamlining data flow and reducing manual data entry.

- **Streamlined Procurement:** Coupa simplifies the purchasing process, making it easier for employees to buy what they need while adhering to company policies. The platform offers features like guided buying, which helps users find the right products and suppliers, and automated approvals, which speed up the procurement cycle.
- **Enhanced Visibility:** Coupa provides real-time visibility into spending, allowing businesses to track expenses, identify savings opportunities, and make more informed decisions. The platform offers customizable dashboards and reports that give users insights into key metrics, such as spend by category, supplier performance, and contract compliance.
- **Improved Supplier Management:** Coupa helps businesses manage their supplier relationships more effectively. The platform offers tools for supplier onboarding, performance management, and risk assessment. This can help businesses reduce supplier risk, improve supplier quality, and negotiate better pricing.

- **Easy to Use:** User reviews frequently praise Payhawk's user-friendly interface, noting its intuitive design and ease of navigation for managing expenses.
- **Streamlined Expense Reporting:** Users highlight Payhawk's automation features, particularly in expense reporting, which simplifies the process and reduces manual effort.
- **Real-Time Spending Insights:** The platform's ability to provide real-time tracking of company card transactions and overall spending is well-received, enabling better visibility and control over finances.
- **Seamless Accounting Integration:** Payhawk's integration with popular accounting software like Xero is commended for its efficiency in synchronizing financial data, saving time and reducing errors.

- **Seamless SaaS Integration:** User reviews praise Paytron's ability to integrate smoothly with various SaaS platforms, simplifying financial operations for businesses that rely on multiple software solutions.
- **AI-Powered Efficiency:** Paytron's AI-driven invoice capture automates data extraction, reducing manual effort and the risk of errors, a significant advantage for businesses dealing with a high volume of invoices.
- **Automated Approval Workflows:** The platform's customizable approval workflows streamline the payment process, ensuring timely reviews and approvals while maintaining internal controls, a crucial aspect of spend management.
- **Cost-Effective Solution:** User reviews consistently highlight Paytron's affordability, making it an attractive option for businesses of all sizes looking to optimize spend management without incurring excessive costs.

- **Automated Policy Enforcement:** Rippling Spend automates the creation and enforcement of granular spending policies, using employee data to make decisions. For example, the software can automatically deny transactions that are out of policy, such as those that exceed a certain amount or are made at unapproved merchants.
- **Centralized Spend Management:** Rippling Spend brings together all aspects of spend management, including expense reports, corporate cards, and bill payments, into a single platform. This gives finance teams a real-time, holistic view of company finances, making it easier to track spending, identify trends, and make informed decisions.
- **Reduced Software Costs:** By consolidating multiple spend management tools into one platform, Rippling Spend can help businesses save money on software costs. This is especially beneficial for businesses that are currently using a variety of different tools to manage their spending.
- **Streamlined Expense Reporting:** Rippling Spend automates many of the tedious tasks associated with expense reporting, such as expense routing and reconciliation. This can free up time for finance teams to focus on more strategic tasks. For example, the software can automatically generate expense reports based on card transactions, minimizing the need for manual data entry.

Cons

- **Customer Support:** User reviews indicate customer support responsiveness can be slow and requests for assistance sometimes go unanswered, particularly for smaller businesses.
- **Implementation Costs:** Users have expressed that the mandatory use of Yokoy's implementation partners, some of whom may be nearshore, can lead to higher-than-expected implementation costs, especially for features users feel they could manage themselves.
- **Limited Apple Pay Integration:** Some users desire the ability to link virtual credit cards with Apple Pay for more streamlined expense tracking and payment options, a feature that is currently unavailable.

- **Customization Challenges:** Tailoring Coupa to specific workflows can be complex and time-consuming, often requiring significant IT support or external consultants. This can be a barrier for organizations with unique or evolving supply chain needs.
- **Usability Concerns:** The user interface can feel clunky and unintuitive, leading to a steep learning curve for new users. Coupa's extensive features and functionalities can overwhelm users, making it difficult to navigate and locate specific information efficiently.
- **Integration Complexities:** Integrating Coupa with existing ERP or other enterprise systems can pose challenges and require additional development effort. This can impact data consistency and hinder seamless information flow across different platforms.
- **Cost Considerations:** Coupa's pricing structure can be complex and may involve multiple modules or add-ons depending on specific requirements. This can make it difficult to accurately predict and manage overall costs, especially for growing organizations with evolving needs.

- **Limited Card Options in the US:** Payhawk currently only offers credit cards to its US customers, which might not be ideal for businesses that prefer using debit cards for their transactions.
- **Receipt Management Hiccups:** Some users have reported occasional difficulties with uploading receipts and experiencing delays in account reconciliation, which can hinder smooth expense tracking.
- **Occasional Software Glitches:** While generally praised for its functionality, Payhawk has encountered instances where updates introduced glitches, impacting settings and invoice processing, causing temporary disruptions to financial workflows.
- **Inaccurate Per Diem Calculations:** There have been reports of the software inaccurately calculating per diem rates based on specific locations, potentially leading to discrepancies in expense reimbursements.

- **Limited Information on Cons:** User reviews primarily focus on positive aspects without much detail on potential drawbacks. More information is needed for a balanced perspective.

- **Notification Issues:** There are occasional problems with Rippling Spend's notifications, creating confusion and potential delays.
- **System Stability Concerns:** User reviews highlight concerns about Rippling Spend's system stability, especially with international payments, potentially disrupting business operations.
- **Historical Data Import Challenges:** It’s difficult to import historical data into Rippling Spend, potentially requiring manual data entry and reconciliation.

### Our Review

Is Yokoy the real McCoy when it comes to spend management? User reviews from the past year suggest that Yokoy is a robust and innovative solution for businesses looking to streamline their expense management processes. Users consistently praise Yokoy's AI-driven automation, which streamlines expense reporting, automates policy checks, and simplifies invoice processing. For instance, one user mentioned that Yokoy's AI extracts data from receipts, eliminating manual data entry and reducing errors. This feature, coupled with its intuitive mobile app, makes expense tracking and reporting a breeze for employees, while providing finance teams with real-time visibility into company spending. However, some users have pointed out that while Yokoy excels in automation, its customer support for smaller businesses could be more attentive. Additionally, a few users expressed that the customization of the SAP interface can be complex and might require assistance from implementation partners. Despite these minor drawbacks, Yokoy's strengths lie in its ability to automate tedious tasks, provide real-time financial insights, and integrate seamlessly with existing finance systems. These features make it an ideal solution for businesses of all sizes, particularly those with high transaction volumes or complex expense management needs. Yokoy's focus on automation and user-friendly design empowers businesses to optimize their spending, reduce manual errors, and free up valuable time for finance teams to focus on strategic initiatives.

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Coupa has been a major player in the Supply Chain Management software game for over a decade, but how does it stack up in 2024? User reviews from the past year paint a picture of a platform with strengths and weaknesses. On the plus side, Coupa consistently receives praise for its user-friendly interface and its ability to help businesses save money by streamlining procurement processes and providing greater visibility into spending. However, some users find Coupa's pricing to be on the higher end and feel the platform lacks the flexibility to adapt to their specific needs, especially when compared to competitors like SAP Ariba and Oracle SCM Cloud. Coupa's unified platform approach is a significant differentiator, offering a comprehensive suite of applications for managing spend, procurement, and supply chain activities, which can be a major advantage for businesses seeking an all-in-one solution. Yet, this can also be a drawback for those who only require specific functionalities, as they may end up paying for features they don't need. So, who is Coupa best suited for? It's a solid choice for mid-sized to large businesses looking for a user-friendly, cloud-based solution to gain better control over their spending and supply chain operations. However, businesses with unique requirements or budget constraints may want to explore other options that offer greater flexibility and affordability. Remember, the software landscape is constantly evolving, so it's always a good idea to check for the latest reviews and comparisons before making a decision.

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Is Payhawk the real deal or are users ready to hawk it? Payhawk is generally well-received by users for its user-friendly interface and robust features, particularly its seamless integration with accounting systems like Xero, which simplifies expense reconciliation and financial record-keeping. Users highlight the convenience of issuing virtual and physical cards, automating reimbursements, and gaining real-time visibility into company spending. The platform's intuitive design and responsive customer support contribute to a positive user experience, making it easy for employees to adopt and utilize effectively. However, some users point out limitations, such as occasional technical glitches after updates and challenges with receipt management. For instance, one user mentioned difficulties encountered with the TravelPerk integration, although they acknowledged working with their account manager to resolve the issue. While Payhawk excels in many areas, addressing these concerns would further enhance its functionality and user satisfaction. Overall, Payhawk is well-suited for businesses seeking a comprehensive and user-friendly spend management solution. Its strengths lie in its intuitive design, seamless integrations, and robust features that streamline expense management processes. However, potential users should be aware of the occasional technical hiccups and areas for improvement, such as receipt management. By addressing these limitations, Payhawk can solidify its position as a leading player in the spend management market.

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Is your company's spend management stuck in the dark ages? Paytron has been making waves with its spend management platform, and user reviews from the past year are overwhelmingly positive. Users rave about its intuitive design and robust features, particularly highlighting its seamless integration with accounting software like Xero, which automatically reconciles billing once payments are made. This feature, as one user pointed out, "eliminates the need for double entry and reduces manual steps, saving us valuable time." Users also praise Paytron's multi-currency business accounts and competitive FX rates, making it a godsend for businesses with international transactions. While Paytron shines in many areas, some users have pointed out that its credit card functionality, while promising, is still under development. However, the company's proactive communication and commitment to improvement in this area have been well-received. Overall, Paytron emerges as a top contender in the spend management arena, particularly for small to medium-sized businesses (SMBs) and startups looking for a user-friendly yet powerful solution to manage expenses, automate payments, and gain real-time visibility into their financial health. Its intuitive design, coupled with its robust features and competitive pricing, makes it a compelling choice for businesses looking to level up their financial management game.

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After thorough research, I felt Rippling Spend has it all in terms of spend management. It’s like having an all-in-one toolkit that simplifies and automates the most tedious financial tasks.What first caught my eye was its automated workflows for expense approvals. They’re tailored to departments and authority levels, eliminating the need for manual reviews. Expenses are seamlessly added to journal entries, saving time and boosting accuracy.Corporate card management is a breeze. Rippling lets you issue physical and virtual cards with customizable spend limits based on departments or roles. This level of control ensures spending stays within budget.Bill payments are equally effortless – the system pulls data directly from invoices and routes bills to the right person for approval. No more chasing down approvals or reconciling mismatched data!Travis Rauh, Manager of Administrative Services at Pepsi of Worcester, found Rippling Spend to be a lifesaver during month-end crunches when administrative tasks piled up. It helped him consolidate corporate cards, bill payments and expense management into one unified platform. The result? Higher accuracy and a single source of truth. With every penny flowing through corporate cards, transparency improved and general ledger imports matched to the cent.Apart from its impressive features, Rippling Spend wins over customers with its intuitive design and customization, especially when compared to competitors like Yokoy. Reviews also praise Rippling’s ability to provide a comprehensive view of company finances. This is especially true for tracking credit card transactions made by individual cardholders.Another standout aspect, according to user reviews, is its wide range of integrations with accounting, expense management and payroll tools. This versatility helps set it apart from competitors like Spendesk.However, some users feel that Rippling Spend truly shines when paired with other Rippling products rather than as a standalone solution. There have also been occasional complaints about login glitches and mobile app performance, which can be frustrating for users relying on on-the-go access. Pricing is customized, so businesses need to reach out to the sales team for a tailored quote.In a nutshell, Rippling Spend is ideal for larger enterprises already using other Rippling products like HR and Payroll. It’s also suitable for companies with complex expense policies and remote teams, thanks to its strong data consolidation features. However, smaller companies looking for a modest solution with a simpler pricing structure may want to consider alternatives.

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### User Sentiment Summary

Yokoy has a user sentiment rating of 90 based on 56 reviews. Coupa has a user sentiment rating of 89 based on 1502 reviews. Payhawk has a user sentiment rating of 92 based on 930 reviews. Paytron has a user sentiment rating of 95 based on 2 reviews. Rippling Spend has a user sentiment rating of 96 based on 16094 reviews.

![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 56 reviews

![Great User Sentiment](https://www.selecthub.com/display/images/scores/great.svg) 1502 reviews

![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 930 reviews

![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 2 reviews

![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 16094 reviews

Synopsis Evaluating all review platforms, our market analysts have compiled the following user sentiment data.

90%

*of users recommend this product*

Yokoy has a 'excellent' User Satisfaction Rating of 90% when considering 56 user reviews from 3 recognized software review sites.

89%

*of users recommend this product*

Coupa has a 'great' User Satisfaction Rating of 89% when considering 1502 user reviews from 4 recognized software review sites.

92%

*of users recommend this product*

Payhawk has a 'excellent' User Satisfaction Rating of 92% when considering 930 user reviews from 2 recognized software review sites.

95%

*of users recommend this product*

Paytron has a 'excellent' User Satisfaction Rating of 95% when considering 2 user reviews from 2 recognized software review sites.

96%

*of users recommend this product*

Rippling Spend has a 'excellent' User Satisfaction Rating of 96% when considering 16094 user reviews from 4 recognized software review sites.

User Review Scores**G2.com, Inc**

**4.5** (5)

**4.2** (553)

**4.6** (744)

**4.5** (1)

**4.8** (9814)

**Capterra Inc**

**4.5** (45)

**4.0** (121)

**4.6** (186)

**5.0** (1)

**4.9** (4082)

**Gartner, Inc**

**4.6** (6)

**4.8** (679)

n/a

n/a

**4.8** (23)

**TrustRadius**

n/a

**3.9** (149)

n/a

n/a

**4.5** (2175)

### Awards

SelectHub awards earned by these products based on a comprehensive analysis by our research analysts.

![User Favorite Award](<> "User Favorite Award")

No awards.

![User Favorite Award](<> "User Favorite Award")

![User Favorite Award](<> "User Favorite Award")

![User Favorite Award](<> "User Favorite Award")

### Product Assistance

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### Product Basics

Company Size

i

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Platforms Supported

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### Top Alternatives in Spend Management Software

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We’re the employee-owned Austin-based startup democratizing software data so you can make your decisions in an influence-free zone. Our market data is crowdsourced from our user-base of 100,000+ companies.

WE DISTILL IT INTO REAL REQUIREMENTS, COMPARISON REPORTS, PRICE GUIDES and more...

![SelectHub Products Reporting and Analytics]()

![SelectHub Products Cost and Pricing Guide]()

**Supported:**  
 Fully or moderately supported out-of-the-box with industry-leading capabilities and is immediately available after installation without needing any add-ons, integrations, or custom development.

**Not Supported:**  
 Not directly available in the software, but can be accomplished using other built-in features, workarounds, or add-ons/products from the vendor at an additional cost. At most, requires additional integrations, plugins, marketplace applications from a third-party vendor, or custom development using the APIs, libraries, extensions, and development framework supported by the software, with or without any additional cost.

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