{"id":5323,"date":"2016-09-21T16:38:01","date_gmt":"2016-09-21T16:38:01","guid":{"rendered":"http:\/\/www.mycurrencytransfer.com\/blog\/?p=5323"},"modified":"2022-09-21T14:34:31","modified_gmt":"2022-09-21T14:34:31","slug":"currencyfair-interview","status":"publish","type":"post","link":"https:\/\/www.mycurrencytransfer.com\/blog\/currencyfair-interview\/","title":{"rendered":"CurrencyFair Money Transfer Interview"},"content":{"rendered":"<p><script src=\"\/\/fast.wistia.com\/embed\/medias\/eijoroqxbf.jsonp\" async><\/script><script src=\"\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_eijoroqxbf videoFoam=true\" style=\"height:100%;width:100%\">&nbsp;<\/div>\n<\/div>\n<\/div>\n[blank_spacer height=&#8221;30px&#8221; width=&#8221;1\/1&#8243; el_position=&#8221;first last&#8221;]\n<p>At <a href=\"http:\/\/www.mycurrencytransfer.com\/\" target=\"_blank\" rel=\"noopener\">MyCurrencyTransfer.com<\/a> HQ, we love sitting down with innovative and fast growing money transfer companies. Today, it was the turn of Ben from <a href=\"http:\/\/www.mycurrencytransfer.com\/foreign-exchange-companies\/currencyfair-review\" target=\"_blank\" rel=\"noopener\">CurrencyFair.com<\/a> &#8211; one of Europe&#8217;s leading Peer To Peer Foreign Exchange companies. You&#8217;ll hear more about CurrencyFair, how the business started, growth plans and more.<\/p>\n<ul class=\"remove-list-style\">\n<li><a href=\"#wistia_eijoroqxbf?time=19\"><strong>0:19 &#8211; <\/strong>How did the idea of building CurrencyFair come about<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=1:17\"><strong>1:17 &#8211; <\/strong>Could you explain the magic of CurrencyFair<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=2:38\"><strong>2:38 &#8211; <\/strong>Who is the ideal fit for CurrencyFair<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=3:32\"><strong>3:32 &#8211; <\/strong>How important is the messaging<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=5:37\"><strong>5:37 &#8211; <\/strong>How are CurrencyFair different to Transferwise<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=6:38\"><strong>6:38 &#8211; <\/strong>How do beat the mid-market price with CurrencyFair<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=8:30\"><strong>8:38 &#8211; <\/strong>What safety of funds protocol are employed at CurrencyFair<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=9:43\"><strong>9:43 &#8211; <\/strong>What\u2019s in store next for CurrencyFair<\/a><\/li>\n<li><a href=\"#wistia_eijoroqxbf?time=10:33\"><strong>10:33 &#8211; <\/strong>where do you see the industry in 10 years<\/a><\/li>\n<\/ul>\n<p><span class=\"interviewer\"><strong>Paul:<\/strong> Hi I\u2019m here with Ben from the team at CurrencyFair, and just got a few Q&amp;A a bit of Q&amp;A session.<\/span><\/p>\n<p><strong>Ben:<\/strong> Thanks for having me along.<\/p>\n<p><span class=\"interviewer\"><strong>Paul:<\/strong> My pleasure nice to welcome you to the office.<\/span><br \/>\n[blank_spacer height=&#8221;20px&#8221; width=&#8221;1\/1&#8243; el_position=&#8221;first last&#8221;]\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=19\"><strong>0:19 &#8211; <\/strong>How did the idea of building CurrencyFair come about<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3><strong>So how did the idea of building CurrencyFair come about, and what problems did you solve initially?<\/strong><br \/>\n\t\t<\/h3><div class=\"sf-icon-box-content\">\n\t\tSo how did the idea of building CurrencyFair come about, and what problems did you solve initially?<\/p>\n<p>\t\t<strong>Ben:<\/strong> Sure. It does sound a little bit like a joke. You have a couple of Australians and Irish men and British person walk in to a bar, and come up with a brilliant idea which was resolving around a frustration. A frustration was God the banks ripped us off when sending money abroad. We work with banks and we are not against them. It\u2019s not us versus them or anything like that, but it is a case of they were losing money when they were sending money to another country. So they said if we need this problem resolved, maybe others do it too. Typically what happens is that banks who are the providers who charge 3, 4, 5% margin on top, when sending money to another country. And so the way it\u2019s been structured on average its 0.35%<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> So it a huge savings.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Oh yeah big time.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=1:17\"><strong>1:17 &#8211; <\/strong>Could you explain the magic of CurrencyFair<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>Wow great and how does it work. Could you explain the magic of CurrencyFair?<br \/>\n\t\t<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> The magic. Yeah I mean if I start with the way it used to work, so you\u2019d never tell that I\u2019m Australian. Back in Australia the first time I ever did an International money transfer, I remembered I rushed out of the office at lunch time and ran out to try and beat the queues. Sure enough there was the queue and half an hour wait, for the one bank teller because they had all gone off on break. Finally get to the front of the queue; I need to send money to another country. Oh I\u2019m not sure how to do that; I\u2019ll go and ask Gerald at the back. Gerald having his sandwich and everyone is conferring and all this sort of thing, and eventually they worked it out after phoning head office. They charged me a fortune, it was a horrible experience. The way CurrencyFair works is it bypasses that slow expensive system, and what we do is two local bank to bank transfers. So you put your money in one country, you exchange it to the currency that you wish, and out it pops at the other end. The way that we can keep it at a low cost is we are matching people moving in the opposite direction. <\/p>\n<p><span class=\"interviewer\"><strong>Paul:<\/strong> I see.<\/span><\/p>\n<p><strong>Ben:<\/strong> So we manage to trickle those cost away and it\u2019s fast. The weird thing that, when I say weird I just love it because yes cost and saving money is wonderful, but the control is something I really enjoyed the first time I used it as a customer. So it was a rare experience.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=2:38\"><strong>2:38 &#8211; <\/strong>Who is the ideal fit for CurrencyFair<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>What customers do you typically go after, like who is the ideal fit for CurrencyFair?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Sure. On the personal side expats, someone working in another country. Then you\u2019ve got a large group of people who have retired abroad, so heading off to Spain, France, and they are getting their pension pay. They just set up an automatic monthly recurring payment service so it just comes.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> They get it automated.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Exactly. They get an amazing rate, so they getting more money in their bank account. They can spend on fine wine somewhere, student subsidy. Then on the other side on the business side you\u2019ve got the SME\u2019s. Our biggest group is the personal customer.<br \/>\n\t\tBut I remember the first ever transaction for CurrencyFair was $400,000 Euro from a business that needed to save a lot of money. So we have been expanding gradually into the SME, the business market as well.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=3:32\"><strong>3:32 &#8211; <\/strong>How important is the messaging<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>That\u2019s interesting. Professionally I believe you are in marketing. How important is the messaging around what you\u2019re taking to the market, when you\u2019re growing the product?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Yeah. It\u2019s usually important to communicate what you bring to people, as against the value proposition if you like. But for me it\u2019s not so much the messaging and the angel you take, to try and communicate with people, it\u2019s more around education. Because the vast majority of people don\u2019t realise that they are getting stung. So just walking to a discussion today I went passed several currency exchange shops, and you see them on the streets. You got the big sign that says 0% percent commission, or commission free. Well you know they are not in it for love, they are obviously making money and there is a commission there. <\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> It\u2019s just what you call it<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Exactly, exactly. Some companies try to hide that with they show interbank, the rate that you see when you Google exchange rate that\u2019s the interbank. There\u2019s no mark up or anything. So for me and for CurrencyFair, it\u2019s about educating people that in fact there is a cost. So when I talk about 3, 4, 5% exchange rate mark-up it means that that\u2019s 3-5 pounds for every 100 that you send. Or $3-$5 for every 100 that you send.  With us on average that\u2019s $0.35 cents out of every 100, so every 100 that you send it does add up quite substantial. I mean in terms of education a quite generic sort of phrase or whatever, but I heard of a case recently where someone used us to buy a house back in their own country. By using us to do that they saved enough money to do a whole new kitchen. Another one of my favourites was a guy who used us to buy a Harley Davidson, because he\u2019s always had a dream of riding around the edge of Scotland, the beautiful coast line.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Mid-life crisis.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Maybe who knows? But yeah with the savings from that he had the cost for the fuel, mechanic and all that kind of stuff covered just by using simple transaction. Yeah its good fun.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=5:37\"><strong>5:37 &#8211; <\/strong>How are CurrencyFair different to Transferwise<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>You mentioned earlier in terms of how the model works, it sounds similar to Transferwise. You mentioned a moment ago there is some companies show you the mid-market rate as a price. How are CurrencyFair different to Transfer Wise?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> I have to say from the start I think they are an amazing company; they\u2019ve done a great job really impressive.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Amazing marketing.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Oh yeah. I love saving people money but you\u2019re never going to catch me running around in my underpants. Let me just say that now on air if you like, but I think it\u2019s a great company.  I think any person who would need to be sending money; they should look at different options other than the banks, so ask Transfer Wise. I do think we are probably different in some ways; we are different geographies in some instances.  They are probably better on the small amounts than CurrencyFair, but at the end of the day once you get a certain amount a couple grand upwards, I think we could be beaten on price and services and stuff like that. Of course I\u2019m going to say that but generally I think we\u2019re a very strong proposition.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=6:38\"><strong>6:38 &#8211; <\/strong>How do beat the mid-market price with CurrencyFair<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>That actually brings me on to my other question, which is I\u2019ve heard that you can actually on occasions beat the mid-market price with CurrencyFair. That for me sounds too good to be true, but I\u2019m sure there\u2019s a science behind it. So how does that work?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Yeah sure. Well I did look up last month of all the people who use the market place option. I think that 14% beat the interbank rate. What that means when you go on to Google and you type in GPD to USD or AUD to Euro or something like that, the number that shows up on Google is the interbank. That\u2019s pure zero rate right. With us if you\u2019re not in a hurry, you can chose to use our market place option. Which means I see a rate which doesn\u2019t even exist yet, but I\u2019m going to choose that rate.<br \/>\n\t\tIf someone matches me it may happen instantaneously, it might take a day or two but if the rate moves and so on and someone matches you in the opposite direction, you can actually achieve that rate that doesn\u2019t even exist which is better than the interbank. Yeah and about 14% of people did. The first time I ever did I went this is just crazy.  So I talked about control before, but it\u2019s a little bit of fun as well.  <\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Yeah, yeah. Do you get a good take up of clients using that option, because it sounds pretty unique?<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Yeah I\u2019m pretty sure we\u2019re the only company in the world that can offer that. Yeah like I said about 14% achieved it, and I think as the word gets out that will probably grow. <\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> It sounds similar to a limit order or a price target.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Yeah.     <\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Being reliant on the other side of the market effectively matching off your requirements is probably where the special source comes in.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Exactly.  <\/p>\n<p>\t\t<strong>Ben:<\/strong> The majority of people still just say I just want to do this right now, and they still get an amazing rate you can\u2019t get anywhere else, but it\u2019s pretty amazing to have this other options where you can do even better.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=8:30\"><strong>8:38 &#8211; <\/strong>What safety of funds protocol are employed at CurrencyFair<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>Obviously in this market dealing with people\u2019s money, security of funds is a key driver of the comfort around of any transaction that an individual or business would do. How are you regulated, and what kind of safety of funds protocol are employed at CurrencyFair?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Sure. Obviously we are fully regulated in every environment in which we operate. In terms of Europe you got the payment services directives that govern how everything is run and managed. The big element to that is segregation of funds. So when people use us to transfer into a different currency, we can\u2019t touch that. We can\u2019t just go speculating and buy property around the world, on that sort of money. It is   segregated, it is your own money. I\u2019ve seen in other countries like Australia ASIC which is the main governing body there, but it\u2019s always around segregation and having enough capital to operate and all that sort of thing.  It\u2019s fully audited constantly by the different international European bodies.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Good. Doing things right no matter where you are in the world.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Yeah it\u2019s just play it safe and if we did something wrong then  other business would fail, we need to make sure we do things properly so that people trust us because that\u2019s probably the biggest element  to all of this, is about trust.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=9:43\"><strong>9:43 &#8211; <\/strong>What\u2019s in store next for CurrencyFair<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>What\u2019s in store next for CurrencyFair? <\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Yeah. Well it\u2019s going well. I always like it when people spread the word about us, because in the early days and still very strong people has told others to come and use CurencyFair. For us as a business it\u2019s more around growing, the market is just huge in terms of people using banks verses not. So when we talk about other companies, I genuinely have no concerns with Transfer Wise and other companies being in the space because it is just so huge. So for us its expanding our reaches to those different geographies, and also expanding the business side of things because a lot of business saves a lot of money by using us. So were going to develop further and making it just a lot smoother and efficient for everyone, user friendly.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12 video-time-link\">\n\t<a href=\"#wistia_eijoroqxbf?time=10:33\"><strong>10:33 &#8211; <\/strong>Where do you see the industry in 10 years<\/a>\n<\/div>\n<div class=\"col-xs-12 interview-question-blue\">\n<div class=\"sf-icon-box sf-icon-box-left-icon-alt sf-animation sf-icon-\" data-animation=\"none\" data-delay=\"200\"><i class=\"fa-comments-o sf-icon sf-icon-float-none sf-icon-medium sf-icon-\"><\/i><div class=\"sf-icon-box-content-wrap clearfix\"><h3>So where do you see the industry in 10 years? CurencyFair is a mature company with good success behind you now. What one piece of advice would you give to new, ambitious Fintech entrepreneur whose perhaps starting their journey now?<\/h3><div class=\"sf-icon-box-content\">\n\t\t<strong>Ben:<\/strong> Sure couple of things. I mean the world has evolved from when I did my first money transfer, and having to queue up and miss my sandwich, through to I can do it online with the app on my phone. That\u2019s just in the money transfer space. There\u2019s loans and all these other areas of Fintech developing. The next stage in the money transfer side of things would be I think it\u2019s called the PSD2. They are the payment directive 2.0 let\u2019s call it. Whereby API\u2019s and banks are going to becoming a lot more into the fore, so banks being sort of segregated. Maybe companies like us and others have talked about banks being the bad guys, they are still going to be around. So there\u2019s going to be a lot more integration I think, which is a fantastic thing for the consumers. So you can just have everything as you wish easy, accessible, the level of control will be within your decision anyway.  On the Fintech entrepreneur side of things, I think the big one is around the product market fit. So make sure that whatever you are developing, it fits what people want and need to the point that it delights them. Where they then will be saying to themselves and to others, I\u2019m so glad I found this site. I\u2019m so glad I found this service. Because you can talk about the bells and whistles I don\u2019t know, the product, elements and features but you just want them to be absolutely delighted. I know for instance my first ever time when I used CurrencyFair at the very end I went, I just beat the bank literally just beat their rate.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> Did you tweet it?<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> I wasn\u2019t on Twitter then, but absolutely if I could take back time.  But that\u2019s what I think every Fintech business and every general technology start up, should be focusing on getting that moment delight, because that\u2019s where those referrals.<\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> That\u2019s where referality comes from.<\/span><\/p>\n<p>\t\t<strong>Ben:<\/strong> Exactly.  <\/p>\n<p>\t\t<span class=\"interviewer\"><strong>Paul:<\/strong> I\u2019m so pleased. I do want to Tweet and tell everyone effectively, you\u2019re mad not to use these guys because these guys are awesome.<\/span>  <\/p>\n<p>\t\t<strong>Ben:<\/strong> Yeah, yeah exactly right.  That\u2019s what we are hoping forward to continue in our business, and we\u2019ll support everyone else in that mission.<br \/>\n\t<\/div><\/div><\/div>\n<\/div>\n<div class=\"col-xs-12\">\n\t<span class=\"interviewer\"><strong>Paul:<\/strong> Good. Ben thank you very much for coming in.<\/span><\/p>\n<p>\t<strong>Ben:<\/strong> Thank you.<\/p>\n<p>\t<span class=\"interviewer\"><strong>Paul:<\/strong> Lovely to meet you and thank you for your insights.<\/span><\/p>\n<p>\t<strong>Ben:<\/strong> You too. Thank you.\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; [blank_spacer height=&#8221;30px&#8221; width=&#8221;1\/1&#8243; el_position=&#8221;first last&#8221;] At MyCurrencyTransfer.com HQ, we love sitting down with innovative and fast growing money transfer companies. Today, it was the turn of Ben from CurrencyFair.com &#8211; one of Europe&#8217;s leading Peer To Peer Foreign Exchange companies. You&#8217;ll hear more about CurrencyFair, how the business started, growth plans and more. 0:19 &#8211; How did the idea [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5367,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[115],"tags":[],"_links":{"self":[{"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/posts\/5323"}],"collection":[{"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/comments?post=5323"}],"version-history":[{"count":31,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/posts\/5323\/revisions"}],"predecessor-version":[{"id":5893,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/posts\/5323\/revisions\/5893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/media\/5367"}],"wp:attachment":[{"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/media?parent=5323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/categories?post=5323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mycurrencytransfer.com\/blog\/wp-json\/wp\/v2\/tags?post=5323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}