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Operator: Welcome to the RYVYL second quarter earnings conference call. [Operator Instructions] The earnings press release accompanying this conference call is issued at the close of the market today.

American samoaUnited statesGene jonesBen errezEuropean payments councilRyvyl incVisa direct programCall transcript augustInterim chief financial officerFredi nisanChief executive officerChief operating officerMin weiSingle euro payments areaVisa directEastern european