Adoption of the API standard for account validation requires participating end points. Current endpoints for account validation are utilizing proprietary APIs and we have not been informed of any planned conversions to the standard. The Afinis API standard product for payment initiation is in production at two large financial institutions. There have been discussions regarding a payment exchange platform that will support the API standard for account validation by the end of 2020 and there may be investment opportunities to speed adoption and use of the platform. Thanks.