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New Zealand Crypto Tax 2025: A Complete Guide

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By: WEEX|2025-10-13 00:52:47
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Cryptocurrency has become an essential part of New Zealand’s investment landscape, attracting seasoned traders, hobbyist investors, miners, NFT creators, and DeFi adventurers alike. With the rapid growth of the digital asset ecosystem, it’s crucial for New Zealand residents to understand their tax obligations when it comes to crypto transactions. Whether you’re trading Bitcoin, minting NFTs, or earning DeFi income, this comprehensive guide demystifies New Zealand crypto tax for 2025. Here you’ll learn how Inland Revenue (IRD) approaches crypto, the tax rates that apply, how to correctly calculate your liability, best practices for reporting, and how modern tools like the WEEX Tax Calculator can help automate compliance.

Do You Pay Cryptocurrency Taxes in New Zealand?

The IRD’s stance on crypto taxation

The Inland Revenue Department (IRD) maintains that cryptocurrencies—including Bitcoin, Ethereum, stablecoins, tokens, NFTs, and other digital assets—are taxable when they result in income. In New Zealand, crypto is not treated as a currency or cash, but rather as property. As a result, all income-generating or profit-making events from crypto activities fall squarely within the domain of the tax authority.

Who is required to pay crypto tax?

If you are a tax resident of New Zealand, you are required to pay income tax on your worldwide income—including any gains or earnings from crypto. Non-residents only pay tax on New Zealand–sourced income, which is uncommon for most crypto investors aside from business activity located in NZ. Transitional tax residents (new or returning residents) may qualify for a temporary tax exemption on foreign-sourced crypto gains, but exceptions apply when income is tied to a New Zealand business or arises from payment for labor/services performed in New Zealand.

What crypto activities are taxable?

The following crypto events generally create a NZ tax liability:

  • Selling cryptocurrency for fiat (e.g., NZD or another traditional currency)
  • Trading one cryptocurrency for another, such as swapping BTC for ETH
  • Using crypto to purchase goods or services
  • Receiving crypto as payment (for goods, services, or employment)
  • Mining and staking rewards
  • Receiving airdrops (under certain conditions)
  • Earning interest from crypto lending or DeFi platforms
  • Disposing of NFTs for a profit
  • Gifting crypto (when the asset has appreciated in value)

It’s important to note that the intention behind your activity—whether investing, trading, or operating a business—can affect tax outcomes. The IRD examines your circumstances, frequency, organization, and intent of activity.

Tax-free crypto activities

Some crypto transactions are not taxed in New Zealand:

  • Buying crypto with NZD or foreign fiat currencies
  • Moving crypto between your own wallets and accounts
  • Simply “hodling” (holding) crypto—there is no wealth tax on digital assets
  • Receiving crypto as a gift in most ordinary (non-employment) cases
  • Receiving new coins from a blockchain hard fork, if not part of a business or profit scheme

Below is a table summarizing common crypto scenarios and their tax treatment:

Crypto Activity

Taxable Event?

Tax Treatment

Notes

Buying crypto with fiatNoN/ANot taxed
Selling crypto for fiatYesIncome TaxProfits taxed at marginal rate
Crypto-to-crypto tradeYesIncome TaxProfits taxed at marginal rate
Transferring between own walletsNoN/ANot taxed
Mining rewardsYesIncome TaxTaxed at receipt and upon disposal
Staking rewardsYesIncome TaxTaxed at receipt and upon disposal
Airdrops (passive, unsolicited)SometimesIncome Tax (case by case)Depends on context; see section on Airdrops
NFT tradingYesIncome TaxProfits from NFT sales are taxable
Gifting cryptoSometimesIncome Tax (if disposal)Gifts themselves usually not taxed; subsequent disposal is taxable
Holding cryptoNoN/ANo tax on holding alone

How Much Tax Do You Pay on Crypto in New Zealand?

New Zealand’s progressive income tax system

Unlike some countries which impose a separate Capital Gains Tax (CGT), New Zealand does not have a dedicated CGT for personal investments. All profits from the disposal of crypto assets are subject to income tax—even if held as an investment. The amount of tax you pay on your crypto ultimately depends on your total taxable income for the year, including earnings from employment, business, and other investments.

Breakdown of 2025 tax rates

New Zealand employs a progressive tax system. This means each portion of your income is taxed at a different rate depending on the bracket it falls into. The following table summarizes the rates that apply for the 2025–2026 tax year:

Taxable Income (NZD)

Tax Rate

$0 – $15,60010.5%
$15,601 – $53,50017.5%
$53,501 – $78,10030%
$78,101 – $180,00033%
$180,001 and over39%

For transitional years or discontinued brackets, always confirm with the latest IRD documentation or a tax professional.

Real-life tax example

Suppose Alice earns a $60,000 salary and sells $10,000 worth of Ethereum which she originally bought for $4,000, realizing a $6,000 profit. Her total taxable income for 2025 would be $66,000 ($60,000 + $6,000), and her crypto gain would be taxed according to the applicable marginal brackets.

How to calculate your crypto tax

Calculating profits and the “cost base”

Cost Base: The original cost of acquiring the crypto (including allowable transaction fees).
Gain or Loss: The difference between the money you receive from the sale/disposal and your cost base.

Example:

– Charles buys 2 BTC for $50,000 NZD (including all fees).

– Later, he sells 1 BTC for $35,000 NZD.

– His cost base for 1 BTC: $25,000 NZD

– Profit: $35,000 – $25,000 = $10,000 (taxable as income)

Cost basis methods

New Zealand investors can use either:

  • FIFO (First-In, First-Out): The first asset you buy is the first one you’re considered to have sold.
  • WAC (Weighted Average Cost): You spread the cost of all your identical crypto assets and use the average as your cost basis.

Example:

– Peter buys 1 ETH at $2,000, later buys 1 ETH at $4,000.

– Sells 1 ETH for $5,000.

– FIFO: Uses first purchase ($2,000), so gain = $3,000.

– WAC: Average cost is ($2,000 + $4,000) / 2 = $3,000; gain = $2,000.

Can the Ird Track Crypto?

Increasing oversight and data sharing

The IRD now actively requests customer and transaction data from centralized crypto exchanges, both local and international, which includes wallet addresses and identifying information. Through data-sharing agreements with overseas tax agencies and sophisticated blockchain analytics, the IRD can often match wallet activity to specific individuals—particularly where centralized exchanges have been used for deposits or withdrawals.

What information can IRD access?

IRD can obtain the following data:

  • Names and contact information
  • All transaction history (buy, sell, trade dates, amounts, crypto types)
  • Linked bank accounts
  • Associated wallet addresses

Enforcement and audit measures

IRD has broad powers to open investigations, reassess prior tax filings (up to four years, or indefinitely in cases of suspected fraud), and even conduct home searches without a warrant in certain situations. They also send letters directly to investors they suspect of non-compliance, encouraging self-disclosure before formal audits or penalties begin.

IRD Surveillance Tool

Scope

Requesting exchange dataCustomer IDs, transactions, wallet addresses
Blockchain analytics toolsLinks wallets to New Zealand users through on-chain activity
Cross-border tax informationAccess to data via tax agreements with overseas authorities
Direct investor correspondenceWarning letters to those suspected of unreported crypto income

-- Price

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How Is Crypto Taxed in New Zealand?

Income Tax on crypto assets

New Zealand taxes crypto as income no matter how you acquire it—whether by active trading, mining, staking, lending, selling NFTs, or earning airdrops in the course of a business/profit-making scheme. The taxable amount is the NZD value of the asset at the time of the taxable event, converted at fair market value.

Main crypto taxable events

Transaction Type

Taxable Event

Description

Selling crypto for fiatYesProfit = Sale price – cost base; taxed as income
Trading crypto for cryptoYesValue of received crypto minus cost base; taxed as income
Using crypto for purchasesYesProfit on crypto spent if value increased; taxed as income
Mining or stakingYesFMV at receipt is income; later profit/loss on disposal as well
NFT creation/saleYesSale price minus cost; taxed as income
DeFi earningsYesTokens or interest received is income when credited
AirdropsSometimesTaxed if part of a scheme or business; possibly tax-free if unsolicited and passive

Taxation of DeFi transactions

There is no specific IRD guidance for DeFi as of 2025. However, all DeFi income is generally considered taxable, whether from yield farming, liquidity mining, lending, or borrowing. Any swap, disposal, or crypto-to-crypto movement through DeFi protocols is approached as a taxable event, following the same principles as for regular trades or income.

Example: DeFi Lending

  • Sam deposits $5,000 in USDT on a DeFi platform, earning $300 in yield over the year.
  • The $300 is recognized as income in the year it is received (converted to NZD).
  • If underlying assets are disposed of or swapped, that triggers a capital event as well.

Airdrops, hard forks, and special cases

  • Airdrops: Taxable if received as business, as part of a profit scheme, or in exchange for services. If received passively (unsolicited, with no strings attached), they may not be taxed until disposal.
  • Hard Forks: Receiving new coins from a fork is not a taxable event unless done in a business context. Disposing of forked coins is taxable.
  • Gifting: Sending crypto as a gift is usually tax-free except where done as part of business or employment. If recipient later sells, normal income tax rules apply.

New Zealand Income Tax Rate

New Zealand’s income tax rates are set on a progressive basis, which means only income within each bracket is taxed at that bracket’s rate. Here’s an updated table for the 2025-2026 year:

Taxable Income Range (NZD)

Tax Rate

Explanation

$0 – $15,60010.5%Most favorable rate—typically for low-income earners
$15,601 – $53,50017.5%Applies to middle-income brackets
$53,501 – $78,10030%Higher earners pay a larger share on this portion
$78,101 – $180,00033%Top-bracket for most New Zealanders
$180,001 and over39%Highest marginal rate

How does this affect crypto tax?

Crypto profits are added to your total annual income and taxed according to these brackets. For business operations (such as full-time trading/mining or operating an exchange), the same brackets apply, but business deductions are allowed.

Crypto Losses in New Zealand

What counts as a crypto loss?

If you dispose of your crypto for less than your cost base, you incur a realized loss. Losses only become “real” for tax purposes when the asset is actually sold, disposed, or irretrievably lost.

Scenario

Loss Deductible?

Explanation

Selling/trading at a lossYesOffsets gains from other crypto or taxable income
Permanent theft (proven, unrecoverable)YesOnly if you would have paid tax on sale; evidence required
Disappeared “rug-pull” projectsYes, with evidenceProof of investment and lack of recovery needed
Volatile market dips (“hodling”)NoUnrealized losses NOT deductible until final disposal

Example: Offsetting gains with losses

James earns a $2,000 gain on ETH, but realizes a $1,200 loss on a DOGE trade in the same tax year. He only pays tax on the net gain of $800.

How to claim crypto losses

Losses from crypto are claimed in your IRD tax return and can offset other crypto income within the same nature (e.g., trading loss offsets trading gain). Keep substantiating records for all claimed losses.

Defi Tax

DeFi in the eyes of IRD

Decentralized finance (DeFi) encompasses a variety of activities such as lending, borrowing, yield farming, and providing liquidity. The IRD regards any profits, fees earned, or token rewards received from DeFi platforms as taxable income. Swapping tokens, providing or withdrawing liquidity (where you receive a different value or new tokens), or earning interest are all treated as disposal or income events.

DeFi tax scenarios

DeFi Activity

Taxable Event?

Tax Basis

Special Notes

Yield Farming/InterestYesFMV at time tokens receivedTaxed as income, regardless of withdrawal
Liquidity ProvisionYesFMV of tokens received/returnedDisposal triggers income recognition
DeFi Token SwapYesDifference from cost baseTaxed as trade
Borrowing against cryptoNo (usually)N/AHowever, liquidation events are taxable
Loan repayment with interestYes (for lender)Interest incomeTaxed at marginal rate

DeFi reporting tip

Because taxable events can occur frequently in DeFi—often with dozens or hundreds of small transactions—keeping accurate, time-stamped records is vital for both compliance and accuracy.

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Weex Tax Calculator for Crypto Accounting

Calculating your crypto tax in New Zealand can be complex, especially with frequent trading, multiple wallets, and DeFi transactions. To streamline the process, WEEX offers a dedicated tax calculator tool. This tool lets users upload their trading histories, aggregate transactions across different accounts, and automatically generate tax reports compatible with IRD requirements. Simply select New Zealand as your jurisdiction, connect your accounts, and the calculator does the rest—saving hours of manual entry.

Disclaimer: The WEEX Tax Calculator is designed to help users conveniently estimate their New Zealand crypto tax obligations. However, all tax information provided should be reviewed alongside IRD guidance and, where needed, discussed with a professional tax advisor. For the latest WEEX tax tools and to access the calculator, visit: [https://www.weex.com/tokens/bitcoin/tax-calculator](https://www.weex.com/tokens/bitcoin/tax-calculator)

Faq: New Zealand Crypto Tax 2025

What cryptocurrencies are subject to tax in New Zealand?

All cryptocurrencies, including Bitcoin, Ethereum, stablecoins, altcoins, tokens, and non-fungible tokens (NFTs), are subject to New Zealand’s income tax. The IRD makes no distinction between digital assets for the purpose of taxation. If you profit from selling, trading, earning rewards, or using these assets for income-generating purposes, you have a tax obligation.

How do I calculate my crypto tax liability?

To calculate your crypto tax:

  • Determine the NZD value of the asset at the time you receive or dispose of it.
  • For sales/trades, subtract your original cost base (purchase price + fees) from the disposal amount.
  • Add all crypto-related income (trading profits, mining, staking, airdrops, etc.) to your annual taxable income.
  • Losses can be used to offset other crypto gains in the same tax year.
  • Use a reliable accounting method (FIFO or WAC) and maintain consistency.
  • Consider using the WEEX Tax Calculator for streamlined reporting and calculation.

What records should I keep for crypto taxes?

You must keep accurate, detailed records for at least 7 years. Required documents include:

  • Dates of every crypto transaction
  • Type of transaction (buy, sell, trade, transfer, earning)
  • Fair market value in NZD at transaction time
  • Units of each crypto involved
  • Purpose of the transaction (investment, business, etc.)
  • Crypto wallet addresses involved
  • Exchange and bank statements

These records are your best defense in case of an IRD audit and are essential to accurately claim expenses, losses, or offsets.

When are crypto taxes due in New Zealand?

For the 2024–2025 tax year (ending March 31, 2025), your income tax return—including all crypto-related income and deductions—must be filed by July 7, 2025. Extensions may apply if you use an approved tax agent, but it’s always safer to prepare well in advance.

What happens if I don’t report crypto taxes?

Failing to disclose crypto income or gains can lead to severe penalties. The IRD can reassess your prior returns for up to four years (or indefinitely if fraud is suspected). Penalties for evasion are steep:

  • Up to 150% of the tax shortfall as a penalty
  • Fines of up to $50,000
  • Up to five years’ imprisonment in extreme cases

The IRD has sophisticated tools and legal authority to investigate crypto activity, so voluntary, accurate disclosure is strongly recommended for all New Zealand crypto investors.

 

 

 

 

By following the principles laid out in this guide—and leveraging innovative platforms like WEEX—you can confidently manage your cryptocurrency portfolio, optimize your tax outcomes, and remain in full compliance with New Zealand’s evolving tax landscape in 2025 and beyond.

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What is P2P Trading?

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On WEEX P2P:

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Why WEEX P2P is the Best Choice for SEPA Instant Users in 2025

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How to Buy USDT with SEPA Instant on WEEX P2P

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What is P2P Trading?

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Why WEEX P2P is the Best Choice for SEPA Instant Users in 2025

WEEX P2P offers key advantages to users purchasing USDC with EUR via SEPA Instant:

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How to Buy USDC with SEPA Instant on WEEX P2P

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Frequently Asked Questions (FAQ)

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Q3: Is buying with SEPA Instant safe on WEEX? A: Yes. All trades use official escrow.

Q4: Do I need full KYC? A: Basic KYC is required for P2P trading.

 

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Buy Crypto with SEPA Instant on WEEX P2P – 0 Fee & Ultra-Fast EUR Trades

SEPA Instant continues to stand out as one of the most efficient and commonly used methods for users in Eurozone to purchase crypto using EUR. With WEEX P2P, users can buy crypto directly through SEPA Instant with zero fees, access 24/7 verified merchants, and enjoy ultra-fast release times.

Compared with Binance, Bybit, and local OTC platforms, WEEX consistently offers better EUR exchange rates, safer escrow protection, and more available ads for SEPA Instant users.

As crypto adoption continues to expand in Eurozone, the demand for convenient and secure access to digital assets keeps growing. With WEEX P2P, users can buy USDT, BTC, or ETH via SEPA Instant with instant processing, 0% buyer fees, and professional merchant support.

 

What is P2P Trading?

Peer-to-Peer (P2P) trading allows users to buy and sell crypto directly with other users, while the platform acts as a secure intermediary.

On WEEX P2P:

Crypto is held in escrowSellers release assets only after payment is confirmedTrades are processed quickly and safely

This ensures zero counterparty risk and allows users to pay via local banking methods for a seamless experience.

 

Why WEEX P2P is the Best Choice for SEPA Instant Users in 2025

WEEX P2P offers key advantages to users purchasing crypto with EUR via SEPA Instant:

0% buyer fees：Save 2–8% compared to competing platforms and maximize the value of every tradeFast release times ：Funds are typically released within 1–3 minutes, ensuring a smooth and efficient buying experienceOfficial escrow protection：Platform-managed escrow guarantees 100% transaction safetyFlexible trade sizes：Supports everything from small purchases to large-volume transactionsBest EUR exchange rates for SEPA Instant users: Enjoy highly competitive pricing tailored for SEPA Instant paymentsThousands of merchants online 24/7: Deep liquidity and constant availability at any time of dayMore SEPA Instant ads than any competitor: Greater choice, faster matching, and higher deal completion rates

Whether you’re buying 1,000 EUR or 1,000,000 EUR, WEEX ensures fast, safe, and cost-efficient crypto purchases.

 

How to Buy Crypto with SEPA Instant on WEEX P2P

Buying crypto with SEPA Instant on WEEX is simple and fast. Follow these steps:

Register on WEEX and complete basic KYC verification Create your WEEX account and finish the basic identity verification process, which typically takes less than one minute to complete.Navigate to Buy Crypto → P2P Trading From the main menu, enter the P2P trading section and select EUR as your preferred fiat currency.Apply the “SEPA Instant” filter Enable the SEPA Instant payment filter to view only those merchant advertisements that support SEPA Instant bank transfers.Select the most suitable merchant Review and compare available merchants based on key indicators, including:Exchange priceOrder completion rateTotal trading volumeReal-time online statusEnter the amount you wish to purchase Input your desired crypto amount, and the system will automatically calculate and display the exact payable amount in EUR.Complete the payment via SEPA Instant Transfer the displayed amount using SEPA Instant, following the bank details provided by the selected merchant.Confirm payment and notify the seller Click “Transferred, Notify Seller” after completing the transfer. The seller will then verify your payment and promptly release the cryptocurrency to your WEEX account.

Your Crypto will arrive instantly in your WEEX wallet — safe, fast, and with zero fees.

 

Frequently Asked Questions (FAQ)

Q1: Are there any fees when paying with SEPA Instant? A: 0% fee for buyers. Only sellers pay a small fee.

Q2: How fast will I receive Crypto? A: Usually 1–5 minutes after marking payment as sent.

Q3: Is buying with SEPA Instant safe on WEEX? A: Yes. All trades use official escrow.

Q4: Do I need full KYC? A: Basic KYC is required for P2P trading.

 

Ready to Buy Crypto with SEPA Instant?

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Buy ETH with SEPA Instant on WEEX P2P – 0 Fee & Ultra-Fast EUR Trades

SEPA Instant continues to stand out as one of the most efficient and commonly used methods for users in Eurozone to purchase ETH using EUR. With WEEX P2P, users can buy ETH directly through SEPA Instant with zero fees, access 24/7 verified merchants, and enjoy ultra-fast release times.

Compared with Binance, Bybit, and local OTC platforms, WEEX consistently offers better EUR exchange rates, safer escrow protection, and more available ads for SEPA Instant users.

As ETH adoption continues to expand in Eurozone, the demand for convenient and secure access to digital assets keeps growing. With WEEX P2P, users can buy USDT, BTC, or ETH via SEPA Instant with instant processing, 0% buyer fees, and professional merchant support.

 

What is P2P Trading?

Peer-to-Peer (P2P) trading allows users to buy and sell ETH directly with other users, while the platform acts as a secure intermediary.

On WEEX P2P:

ETH is held in escrowSellers release assets only after payment is confirmedTrades are processed quickly and safely

This ensures zero counterparty risk and allows users to pay via local banking methods for a seamless experience.

 

Why WEEX P2P is the Best Choice for SEPA Instant Users in 2025

WEEX P2P offers key advantages to users purchasing ETH with EUR via SEPA Instant:

0% buyer fees：Save 2–8% compared to competing platforms and maximize the value of every tradeFast release times ：Funds are typically released within 1–3 minutes, ensuring a smooth and efficient buying experienceOfficial escrow protection：Platform-managed escrow guarantees 100% transaction safetyFlexible trade sizes：Supports everything from small purchases to large-volume transactionsBest EUR exchange rates for SEPA Instant users: Enjoy highly competitive pricing tailored for SEPA Instant paymentsThousands of merchants online 24/7: Deep liquidity and constant availability at any time of dayMore SEPA Instant ads than any competitor: Greater choice, faster matching, and higher deal completion rates

Whether you’re buying 1,000 EUR or 1,000,000 EUR, WEEX ensures fast, safe, and cost-efficient ETH purchases.

 

How to Buy ETH with SEPA Instant on WEEX P2P

Buying ETH with SEPA Instant on WEEX is simple and fast. Follow these steps:

Register on WEEX and complete basic KYC verification Create your WEEX account and finish the basic identity verification process, which typically takes less than one minute to complete.Navigate to Buy ETH → P2P Trading From the main menu, enter the P2P trading section and select EUR as your preferred fiat currency.Apply the “SEPA Instant” filter Enable the SEPA Instant payment filter to view only those merchant advertisements that support SEPA Instant bank transfers.Select the most suitable merchant Review and compare available merchants based on key indicators, including:Exchange priceOrder completion rateTotal trading volumeReal-time online statusEnter the amount you wish to purchase Input your desired ETH amount, and the system will automatically calculate and display the exact payable amount in EUR.Complete the payment via SEPA Instant Transfer the displayed amount using SEPA Instant, following the bank details provided by the selected merchant.Confirm payment and notify the seller Click “Transferred, Notify Seller” after completing the transfer. The seller will then verify your payment and promptly release the ETH to your WEEX account.

Your ETH will arrive instantly in your WEEX wallet — safe, fast, and with zero fees.

 

Frequently Asked Questions (FAQ)

Q1: Are there any fees when paying with SEPA Instant? A: 0% fee for buyers. Only sellers pay a small fee.

Q2: How fast will I receive ETH? A: Usually 1–5 minutes after marking payment as sent.

Q3: Is buying with SEPA Instant safe on WEEX? A: Yes. All trades use official escrow.

Q4: Do I need full KYC? A: Basic KYC is required for P2P trading.

 

Ready to Buy ETH with SEPA Instant?

Start buying ETH in under 3 minutes — fast, safe, and 0% fee for buyers!

Start Buying ETH on WEEX P2P with SEPA Instant Now!

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