Private label cards have grown steadily in terms of purchase volume. Physical cards can be used to make in-store purchases or withdraw cash from ATMs. Streamline your business’s financial processes now — start for free or choose a suitable tariff plan. Besides, the number of active Neobank clients is expected to reach 376 million users, giving the Neobank model over 4. Most companies use its cards under a different name as a way to provide cryptocurrency debit. Along with industry-leading technology and iGaming software providers, we’ll also provide you with expert guidance every single. Increasing spending and volume of purchases. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. We, in turn, will perform regular checks to ensure compliance with the Bank of Lithuania. Clients of Unbanked include Litecoin Foundation, StormX, Nexo, Stacks, & more who use the Unbanked platform to offer their own branded white-label debit c ards and bank accounts for consumers. These cards don’t carry the typical Mastercard or Visa. 280K. Branded card programs that enhance your customers’ experience. The integration feature is better than all other. Private Label Credit Cards. Prepaid / Debit Card. It enables you to make purchases and withdraw cash by. Reduce costs, such as check processing – and boost engagement by enabling global use. Here are some more benefits that you experience when you become a white label payment provider:. 3Choose the routing and processing option that best meets your program needs – authorization only or au. Looking for an issuing bank? Look no further. What Is a White Label Debit Card? A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or. Crypto credit vs. In this blog post, we’ll explore how. So there's no market for a white label card run by CDC. The FinTech landscape is experiencing unprecedented growth, with a pivotal role played by the advent of white-label crypto debit cards. Why to use our White Label solution. How come MCO card is a VISA Pre-Paid Card, not VISA Debit Card (yes, there is a difference)Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Put your brand front and center. 70% faster time to market allow businesses to scale at anytime. The white label nature of the platform means that the branding and. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. Same-day deposits with no extra fees. We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that. A white-label payment gateway is a fully developed payment gateway solution that businesses can rebrand and customize as their own. The value of these payments increased more rapidly. Payment Processed 2022. Maybe that means it doesn’t look very “Wise”. Additionally, some white label debit cards may also use a proven JSON web token, which is a type of secure authentication method that can help. Experience the unmatched superiority of virtual VISA debit cards, granting you the freedom to make purchases globally without constraints. Thales also delivers the SDK, which makes payment with a mobile device possible. 5% for credit cards, with no cap imposed on commercial cards. Call us at 800-526-9127 or email fintech@republicebank. 8. Wallester, an Estonian company, is issuing labelled debit cards of high-tech nature and the integration of REST API is of great help to both physical and virtual cards. White Label ATM (WLA) operators’ charge card-issuing bank fees to provide this facility to the bank’s clients. The Alegeus Medicare Advantage (MA) Debit Card is a white-label customer experience that helps your members get more from their MA plans with less administration for you. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. 2009. You’ll notice the eco card is light on printed details. 95. Kiple is a VISA Principle Card Issuer in Malaysia offering white label service for prepaid card issuing. Cards activated 2022. Debit Card with Visa® ACH transfers. We strive for the utmost. A virtual card is an optimal financial instrument to instantly pay for goods and services with the most convenient functionality for making cashless payments. Points of distribution for debit and prepaid card issuing >40M. They provide the banking services to the customers of banks in India, based on the cards (debit/credit/prepaid) issued by banks. Test Your POS System. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. White-Label Rewards Mastercard® for your brand at zero cost. Personalized solutions for your own needs. White label prepaid cards can be combined with other financial technology services such as mobile wallets or banking apps, allowing companies in the fintech space to target […] WORLD TECH & SCIENCEA white label lending platform is a ready-made lending solution offered by third-party providers to financial institutions such as banks, credit unions, and other lending entities. Seamless integration with. You set the. Put the power of digital banking at your consumer’s fingertips with Crassula’s White-Label neobank solution. Designed in partnership with Clay. . A universal payment instrument used to instantly pay for goods and services through payment terminals, online,. Flexible and scalable bespoke debit cards in 60 days*. Personalized solutions for your own needs. Definition of white label payment gateways. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. Integrate card and account payments for anyone selling online. Great card for your staff, customers, followers, members, or congregation! We handle the fulfillment, and your logo is printed on the delivery box! GET A FREE DESIGN AND. Americans have adopted digital bank accounts (Learn more about their account preferences in our eBook: The Digital Migration – Growing Share of Banking). 💼 BitPay VISA Debit Card: Available to US residents from all 50 states. Attract more customers and secure additional income. Hips White Label Payment Gateway is the next generation omnichannel payment gateway. Send funds from a source balance to a target balance. More on white-label solutions. White label banking is another term for private label financial services or banking-as-a-service (BaaS), in which banks open up their application program interfaces (APIs) to let third parties build their own financial products with existing infrastructure. 3. 2. Global payment solutions tailored for your business. This avoids the need for Direct Debit transfers or cash in hand payments and enables workers to access their funds quickly, flexibly, and securely. It allows users to spend money from their online PayPal accounts at any Mastercard-accepting merchants worldwide. per standard, physical card. White label payment is a service offered by some banks and credit card companies to allow businesses to add their own logo and branding to the payment page. Convenience checks. 36. 01. Offer yield-bearing products. By: Geir Holstad. It enables us to plan our futures, from saving to investing in property and planning for retirement to insuring our most valuable possessions. Under the current budding trend in the mobility space, transit agencies would be the sole issuers of the EMV-based closed-loop cards–though some agencies are also looking at issuing co. Such a card is easy to carry and allows the payee to take complete payment at once or use the balance as needed for expenses. We help especially smaller. EXPERT’S RATING. Any service and product of the Omniwire platform is available for customizations and usage by any business. Check out the latest trends driving the embedded finance industry. Discover Ayoconnect's White Label Virtual Cards API (powered by Mastercard) for expense management, lending, online travel, and more. White-label - Banking as a Service (BaaS) is where companies take third-party products, throw their own brand on it, and market them as their own. [3] [4]Physical cards are available in unlimited quantities and are issued free of charge depending on the tariff plan of your choice. PayPal Mastercard Debit Card is a co-branded card by PayPal and Mastercard International. White-Label Cards. A. Our BIN sponsorship services are supported by a full-featured card issuing API platform. A white label ATM is a self-service machine branded with your company name and operated by a third party, such as a bank or ATM operator. We work with financial institutions,. 15% for debit cards and 1. Setting up a physical card program takes 10 to 12 weeks. From design to reconciliation, we’re here to support you and. A private label credit card is a type of credit card that is branded for a specific retailer or brand. Sometimes called closed-loop EMV, white-label EMV technology has been used by domestic debit schemes and retailers for their private-label cards for years. 50. White-label cryptocurrency card platforms come equipped with state-of-the-art security features that safeguard your customers’ data, fostering trust and loyalty. We make it easy for any business to launch white. These cards offer a unique blend of traditional financial…PQ Portal White-labeled payout and debit card hosted solution. Private label debit cards use JSON web tokens for secure transactions, ensuring that all financial information remains safe. The PayPal debit card, for example, has the business logo on the front of it and a gray background. But have you ever stopped considering how these innovations…Sandeep Nailwal. 150+. Prepaid cards will give you a simple, effective and easier way to use and manage money globally. Debit and Prepaid Card Programs for Your Business or Organization Cascade is a Prepaid and Debit Card Program Manager with innovation at its core. Bitcoin debit cards do not allow users to spend bitcoins directly. Credocard provides complete White Label Turnkey Solutions, allowing business partners to share in the revenue streams generated from the payment platforms. Use online virtual cards as an optimal financial. White-Label Cards. Flexible Payout Schedules. A complete and secure API solution to issue and manage card products and services. Initial Setup Cost: $45,000. TheBanks. API and SDK for developers allow businesses to integrate our financial solutions into any existing business seamlessly. A white label gift card platform is a service that enables businesses to create and sell their own branded gift cards. Pervesk card issuing service will save your time and recources, as well as provide your clients with a unique opportunity to claim their own VISA debit cards. One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. Get Order ID and Auth Codes. Cards Issuing Free Monthly fee 2 € Withdrawal 2% (min 3 €) Accounts Application processing Free Additional fee for complex entities 100€ Maintenance Free. Bill Pay. Timo Lye May 30, 2023 2:07 am Maximizing Crypto Transactions with White Label Debit Cards: A Complete Guide. • Get a free account and MasterCard debit card. Payment Processed 2022. The person can send finance abroad. We are here to help. 2 Compliance. The set of virtual debit card app’s functions also contain the possibility to use different financial instruments (for e-money, cryptocurrency, etc. A white label store for merchants that want to. As we sail forward into the digital age, traditional financial systems are being revolutionized, modernizing transactions and paving the way for innovative financial tools. These systems are. Generate interchange revenue with processing services for consumer and business cards. One such breakthrough is…Wallester’s white-label card solution comprises an entire ecosystem. Physical. Details of such cards should be immediately reported to PSD-SBP. Private-label prepaid debit card payments accounted for 40. You can focus on marketing your bank while the BaaS. Fund accounts. We offer many white label solutions to help keep your brand front and center. This includes a certain number at the bank's own ATMs. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. White label card issuing. WATCH VIDEO. Unlike traditional debit cards, white-label prepaid cards offer the same functionality as traditional debit cards with added benefits. Payments solutions backed by service power the Primax’s growth engine for clients. You can make money every time a customer pays with their credit or debit card. White-label payment cards display your. Whatever the design happens to be,. White label debit cards are designed to scale easily with a company’s growth. The company has developed a world-class product that allows users to buy, hold, exchange and spend multiple traditional and cryptocurrencies using a single, intuitive platform and debit card. Payment to Payout Reconciliation. TODAY. 16. BTW, the big secret about "Apple Pay" is that it is just the Mastercard tap and pay technology that has been around for at least the past 12 years, probably longer. A. Timo Lye May 30, 2023 2:07 am Maximizing Crypto Transactions with White Label Debit. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Co-branded credit cards are issued by a financial institution — usually a bank, but it can also be a credit union or fintech company — along with another company, organization or brand. Configure and manage all your virtual or physical debit and prepaid card products with a. This website is estimated worth of $ 8. Kotak PVR Debit Card is a partnership between Indian PVR Cinemas and Kotak Mahindra Bank. Today, debit card usage accounts for 25% of all purchase volume which was 13% in 2005. To understand banking as a service better, let’s have a look at a couple of real-life applications. Freely define your business model and pricing. Some cryptocurrency exchanges and. No More Than:White-label debit cards can be customized with your company’s branding and messaging, creating a personalized experience for your customers. Our API-based card issuance system simplifies the process, from production to distribution, ensuring a seamless experience for both businesses and consumers. You design the purpose, we build the card. 2. “W e care a lot about downside risk and we care a lot about high liquidity. In simple. com is 8 years 6 months old. The transaction process in White Label ATM operators consists of a lending bank, a sponsor bank that handles settlements and an ATM network provider. Talk to us to find out more about embedded finance or our other white-label solutions. MCO moon stopover isn’t required if you get rid of MCO. After you've created the order, you will receive the id of the order in the response. Financial License Our BaaS partners have all the required regulatory approvals and licenses. Swift Onboarding. May 28, 2010 - PRLog -- Using a White Label Debit Card Program to Pay Pension Benefits. Process the payment with the Card Processing API by using the Create Wallet Order endpoint. We’ll work with you to design a program that’s tightly integrated into your business model. Automated reporting. Secondary cards. White label card solutions allow financial service providers to start issuing debit cards without going through the lengthy licencing and development procedures. Check out the latest trends driving the embedded finance industry. PayPal Prepaid MasterCard. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. Flexible Payout Schedules. This suite of highly bespoke financial. As an experienced SEO writer, I’m here to provide you. Additionally, you can update your existing payment. cashback), high-yield crypto accounts (white label X-Accounts) and crypto / fiat. Top. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Non-bank ATM operators are authorised under the Payment & Settlement Systems Act, 2007 by the Reserve Bank of India (RBI). When your brand logo is featured on the card, you can raise. Instead, they carry the brand of the retailer that issues them, and they’re managed by a commercial finance company, bank, or embedded banking solutions provider. This is a powerful tool for building brand recognition and increasing customer loyalty. Pre-Defined or Custom Payment Card Products. Use the returned reservation from step #1 as the reservationId param for card processing. Cardstream is a high-performance Level 1 PCI: DSS-compliant white-label payment processing platform, adding value by offering all major credit card schemes and worldwide currencies. 1-855-646-1390 (Toll Free in the U. 100% Your Branding. We use blind shipping, which means the products you create are unbranded and delivered in unbranded packaging. These companies have experienced specialists developing white-label software and. Bespoke Cryptocurrency Debit. Optimus Cards. Cutting-edge API for easy integration. *When consolidating purchase volume processed through Marqeta’s platform in 2019. A white label merchant is essentially a company that offers another service to help facilitate transactions between two parties (customers and sellers). That’s where white-label solutions come in. 95! Tutorial. Our entry-level EMV cards are designed for basic payment applications. One of the most obvious benefits is the level of exposure that your company gets. Create a simple and stylish platform, without any confusing UI or UX. HCE wallets for Private Labels. Although a debit card may make you feel a bit limited in your spending capability, it can help you save for a better future. Get access to the multi-functional Wallester Business platform absolutely free. Bill Pay. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. Because private credit cards are managed by banks or financial institutions, they offer exactly the. Key Points. Start creating and distributing white label gift cards with Berkeley PaymentIssue physical, virtual and tokenized debit cards with our fully integrated embeddable applications. Wide Range of Program Settings Card programs can be fully customised to your business needs. Our Program API provides the foundation for you to launch, scale and grow your white-label card issuing program. 11% + $0. By partnering with a white-label digital. Give customers one more reason to keep coming back to your business—start accepting Discover Debit cards today. In the dynamic world of finance, the advent of white label crypto debit cards is heralding a new era in payment methods. 225: VS. Freely define your business model and pricing. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. Cards Business cards Cards for your business needs Virtual cards Embedded finance feature White label cards Custom branding and features Personal cards IBANs for individual clients. Many choose to live and do business away from their nation of origin. Drive member loyalty, accelerate payments, or build credit history with world-class card. Launch in as little as 2-weeks with no coding needed! Other Capabilities. It comes like a regular debit card but with a lot of beneficial. What was the need to allow non-bank entities for. 4. We help you through every step, making decisions to support your goals. As a white label printing reseller, the products that you have sent to your clients will appear to come directly from you. is the pioneer in providing white label debit card programmes to financial institutions underserved by traditional providers. Manage transactions. What are White Label ATMs (WLAs)? ATMs set up, owned and operated by non-banks are called WLAs. Connect with your customers. Contact us to learn more about Payments / Card Issuing / Crypto / Global Banking. Issue cards through Connect. White-label prepaid debit cards for business. White Label ATM Operators in India. 200 Vesey Street MC 01-39-12 New York, NY USA 10285. A crypto debit card is a revolutionary payment method, the use of which significantly simplifies the operation with digital assets when investing in cryptocurrencies. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. The consumer and business applications are powered by Striga. 03. Debit cards issued via the Mastercard network can be used throughout 210 countries and territories. Label Card Issuing. Fast and API-driven distribution, so you can implement your app in days. customized debit card to use at for in-store purchases and/or withdraw money from ATMs. White label debit cards can prevent payment card fraud by using various security features such as virtual cards, which can be generated on-demand and canceled or replaced in case of loss or theft. These ATMs are available to the public and allow customers to perform all services associated with traditional ATMs, such as cash withdrawals, check deposits, balance inquiries, and transfers. The QR code and NFC are available, making it possible to reach all devices. As a customer, one can use these machines just as a regular ATM. ORDER NOW. com today. Not a prepaid or gift card program, But a true private label debit transaction. We offer an end to end, in-house consumer and commercial card issuing and processing. With the advent of cryptocurrencies, a new era of financial transactions has…Introducing Blockchain Bank Visa and MasterCard’s – White Label Banking & Card Issuing Program Co mpetition among various financial institutions is at its peak; hence the trend of white-label online banking and debit card issuance has been on the rise lately as more businesses are eager to extend payment services to their valued customers. SWISS TECHMAKERS, GmbHGotthardstrasse, 26,6300 ZUG (Switzerland) Telephone advice in English : +41 315 281 7188. You. Any service and product of the Omniwire platform is available for customizations and usage by any business. and Canada) +1 781-373-6808 (International number) Forsale Lander. Build with our white label gift and reloadable prepaid card solutions. Debit cards may not be as popular as credit cards in New Zealand, but the majority of stores throughout New Zealand accept debit cards as a payment method – both in urban and rural areas. With solid relationships with multiple issuing banks and highly efficient systems,. It is a domain having com extension. *Subject to card design & implementation. Get a card in the currency of your choice: GBP, EUR, USD, JPY and CNY. What you see today is a tiny fraction of our global vision. White-label debit cards provide accessibility to a larger population. The Minister further stated that four authorised non-bank entities are operating White Label ATMs in the country. Age requirement: 6 to 18 years old. 4 reasons why VISA is the best choice for your white label debit card . Includes prepaid. Good (3. This card comes as a great combination of good manners and advertising purposes, due to the fact that you can place your logo on such a card. 15. Obtain payment systems and infrastructure to build financial products or embedded finance. Building a banking infrastructure from scratch is expensive, time-consuming, and requires significant resources. 25€ Cross-border payments (IN/OUT) 25€ Internal payments Free Currency exchange 0. Choose the design of your debit card. Instant issuance of personalized virtual cards for various. Flexible and scalable bespoke debit cards in 60 days*. Our branded debit cards and digital ecosystem are highly customizable, allowing you to incorporate your logo, colors, and design elements to create a unique and cohesive brand experience for your customers. Digital wallets can keep credit and debit card data permitting payments directly from the card. Maximizing Crypto Transactions with White Label Debit Cards: A Complete Guide. One white-label debit card: a world of possibilities Express your brand’s distinct identity through the versatility of customized VISA debit cards, enriched with signature style and exclusive features Contact sales White-label VISA card – global reach meets tailored solutions Exclusive cards White-label credit card programmes remove the hassle and legwork of creating a bespoke payments system for firms that would otherwise move outside of regular financial services networks. ). Our partners don't need to actively manage the business, by. No green, a pared-back logo. Buy now, pay later settlement. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. Enjoy the benefits of our versatile and flexible card-issuing product. In the dynamic world of Small and Medium-sized Enterprises (SMEs), every decision can make or break your business. The White Label cryptocurrency wallet streamlines customer experience by offering storage, trading, and exchanging of multiple cryptocurrencies, ensuring secure transactions. White-label VISA card issuing company with global payment gateway and processing solutions for businesses and consumers with 0% maintenance costs. White Label Crypto Debit Cards. and Canada) +1 781-373-6808 (International number) Forsale Lander. ; Using these ATMs is similar to using an ATM of a bank other than the bank where. White-label payment gateways can support a wide array of payment methods, from credit and debit cards to digital wallets and bank transfers, giving businesses the flexibility to cater to the diverse. Take advantage of our expanding base of Discover® Debit customers. From operational aspects to financial management, the stakes are high. Comprehensive debit card processing. Our Program API provides the foundation for you to launch, scale and grow your white-label card issuing program. Both co-branded debit cards and white label debit cards offer a range of benefits, including: Enhanced Brand Awareness. There are usually three parties involved in issuing co-branded cards: the business, the card issuer, and the payment network or. TheBanks. Dwolla is a white-label payment service that integrates your business with the Automated Clearing House network to send and receive ACH payments. Looking for an issuing bank? Look no further. Convenience checks. Imagine the ideal card for your payment program, we create its design and have it validated with Mastercard® and regulators. This leaves you to focus on growing your business and customers. You can spend your money guilt. On-prem. And for parents, the app provides a real. Most debit cards are pretty basic in design. This is a powerful tool for building brand recognition and increasing customer loyalty. They can provide the infrastructure while you focus. Contactless Payments. 95. Wallester, an Estonian company, is issuing labelled debit cards of high-tech nature and the integration of REST API is of great help to both physical and virtual. Regular clients of white-label payment providers include e-commerce giants, gaming platforms, and the online presence of otherwise physical stores. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. Over 30 domestic schemes and local labels, representing 150 issuers, have already issued 120 million cards, mobile devices, and wearables implementing PURE white-label EMV. They are sleek, sophisticated, and personalized — all this while providing all the functionality you would expect. 8. White Label ATM: ATMs set up, owned, and operated by non-banks are called white label ATMs. This Card White label was created by a fintech company for fintech companies. Your way. This development opens up new capital inroads that will propel users of polygon's DeFi ecosystem to the next level. Card, collateral, and user interfaces can all be white labeled with your brand’s look and feel. The usage of crypto credit and debit cards continues to grow, with only Visa clients making $2. By the end of this article, readers will have a comprehensive understanding of white label business credit. Launch white-label VISA cards of any type. Our debit cards are best-in-breed and provide all the functionality you would expect from this powerful form of payment. AATMs set up, owned and operated by non-banks are called white label ATMs. Our cards are made for you. The use of this Card is subject to the terms and conditions. Virtual or physical cards linked to account; Get your own branded card program. We tailor our prepaid cards solutions to your unique needs including program sponsorships, white label sponsorships, and retailer programs. Cards typically show your lender’s name, but they may display a logo for a specific program instead. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. 2% for debit cards. Leverage direct deposit and other funding mechanisms so users can start spending immediately. These cards are used with major credit card companies allowing use world wide. If a debit card program isn’t what you need, talk to us about our White Label Prepaid Card Program , our Guaranteed Profit Prepaid Card Program , or any other type of Custom Prepaid Card Program . Credocard co-branded cards are used in more than 30 million locations globally. White-label debit cards can be customized with your company’s branding and messaging, creating a personalized experience for your customers. Customize the graphics of your cards. Private label prepaid debit card partnerships can provide businesses with a valuable marketing tool to attract and retain customers. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Dzing – a B2C NeoBank – a standalone project that was established with a goal to test new functionalities and build rapport within the consumers. $3. c) The log of retained cards should be readily available for SBP inspection. White labeled virtual, physical, and tokenized debit cards that can be spent at millions of merchants globally. . , cards that can limit spend to certain individuals, teams, merchants, or a time period such as during an event). 5 billion in transactions in crypto-related cards in the first fiscal quarter of 2022. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. Crypto. Ink isn’t biodegradable, so anything that wasn’t completely necessary to the card — your pan number, for one — was taken off. 01. White label Fintech available in 20 business days. One of the most exciting. Call us at (41) 43-508-0590 for more information. Please use the link in your welcome email to get started. Any company that would benefit from CDC's existing infrastructure would want their card based on their own token: and CDC would only benefit from the partnership if the network was based on CRO. WLAs offer debit card services such as cash.