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Business FinanceTop 10 Best Reward Software of 2026
Discover top reward software picks to boost engagement. Compare features, find the best fit, drive results—start here.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
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Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
Bink
Event-triggered reward automation that issues points, badges, or credits from defined user actions
Built for teams automating reward programs with event-driven rules and measurement.
Rivyo
Rule-based reward issuance tied to monitored user actions
Built for teams running action-based rewards and needing rule-driven incentive workflows.
FiveStars
Integrated customer reviews collection tied directly to loyalty and engagement
Built for retail and local services using loyalty plus reviews for retention.
Comparison Table
This comparison table evaluates reward and loyalty platforms including Bink, Rivyo, FiveStars, Smile.io, Yotpo, and other leading options. Each row summarizes key capabilities so teams can match features to goals like customer referrals, points and tiers, loyalty rewards, and reviews.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Bink Runs customer loyalty and reward programs with points, tiers, referrals, and reward redemption workflows. | loyalty platform | 8.4/10 | 8.8/10 | 7.9/10 | 8.4/10 |
| 2 | Rivyo Automates loyalty rewards such as points, cashbacks, and personalized offers with rule-based earning and redemption. | rewards automation | 8.1/10 | 8.5/10 | 7.8/10 | 8.0/10 |
| 3 | FiveStars Provides a loyalty rewards program for restaurants with points, visit rewards, and offer management. | loyalty for retail | 8.0/10 | 8.2/10 | 7.8/10 | 7.9/10 |
| 4 | Smile.io Builds loyalty and referral rewards programs with points, tiers, and reward redemption for commerce brands. | ecommerce loyalty | 8.0/10 | 8.3/10 | 8.1/10 | 7.6/10 |
| 5 | Yotpo Manages rewards and loyalty experiences alongside customer engagement modules with configurable earning rules. | marketing suite | 8.2/10 | 8.6/10 | 7.7/10 | 8.0/10 |
| 6 | Antavo Implements enterprise loyalty and rewards programs with real-time promotions, personalization, and analytics. | enterprise loyalty | 7.9/10 | 8.3/10 | 7.6/10 | 7.8/10 |
| 7 | Telio Loyalty Supports loyalty and reward program design with digital wallets, points management, and redemption operations. | loyalty management | 8.1/10 | 8.3/10 | 7.6/10 | 8.3/10 |
| 8 | Comarch Loyalty Provides loyalty and rewards capabilities for large organizations using points, offers, and customer engagement tooling. | enterprise rewards | 8.0/10 | 8.4/10 | 7.3/10 | 8.0/10 |
| 9 | Zinrelo Enables customer loyalty and rewards with points, tiers, and offer redemption through configurable program rules. | loyalty for brands | 7.2/10 | 7.6/10 | 6.8/10 | 7.0/10 |
| 10 | FiveCRM Tracks engagement and rewards activities with loyalty-style points programs for marketing and customer retention. | rewards CRM | 7.4/10 | 7.2/10 | 7.6/10 | 7.4/10 |
Runs customer loyalty and reward programs with points, tiers, referrals, and reward redemption workflows.
Automates loyalty rewards such as points, cashbacks, and personalized offers with rule-based earning and redemption.
Provides a loyalty rewards program for restaurants with points, visit rewards, and offer management.
Builds loyalty and referral rewards programs with points, tiers, and reward redemption for commerce brands.
Manages rewards and loyalty experiences alongside customer engagement modules with configurable earning rules.
Implements enterprise loyalty and rewards programs with real-time promotions, personalization, and analytics.
Supports loyalty and reward program design with digital wallets, points management, and redemption operations.
Provides loyalty and rewards capabilities for large organizations using points, offers, and customer engagement tooling.
Enables customer loyalty and rewards with points, tiers, and offer redemption through configurable program rules.
Tracks engagement and rewards activities with loyalty-style points programs for marketing and customer retention.
Bink
loyalty platformRuns customer loyalty and reward programs with points, tiers, referrals, and reward redemption workflows.
Event-triggered reward automation that issues points, badges, or credits from defined user actions
Bink stands out for tying reward issuance to automated workflows instead of treating rewards as a standalone catalog. Core capabilities include configurable reward rules, trigger-based awarding tied to events, and campaign-style management for different audience groups. The platform also supports loyalty-style experiences with tracking that helps measure engagement and reward outcomes. Overall, it focuses on operationalizing rewards across systems with fewer manual steps.
Pros
- Event-triggered reward rules reduce manual reward operations and errors
- Workflow-first setup supports complex reward journeys across customer segments
- Built-in tracking helps evaluate reward impact on engagement and outcomes
Cons
- Advanced rule configuration can feel complex without clear templates
- Reward logic tuning may require iterative testing to avoid unintended triggers
- Limited visibility into cross-system dependencies for troubleshooting reward issues
Best For
Teams automating reward programs with event-driven rules and measurement
Rivyo
rewards automationAutomates loyalty rewards such as points, cashbacks, and personalized offers with rule-based earning and redemption.
Rule-based reward issuance tied to monitored user actions
Rivyo distinguishes itself with reward-focused automation that ties incentives to measurable user actions. Core capabilities include configurable reward campaigns, rule-based eligibility logic, and activity tracking for rewards issuance. The system also supports admin workflows for managing participants and monitoring outcomes. Campaign reporting centers on reward performance rather than generic marketing dashboards.
Pros
- Rule-based reward eligibility enables precise incentive targeting.
- Activity tracking supports clear reward issuance and auditability.
- Admin workflows streamline campaign setup and participant management.
Cons
- Workflow configuration can feel heavy for smaller teams.
- Advanced reporting depth lags specialized loyalty platforms.
- Integrations may require additional setup for complex data sources.
Best For
Teams running action-based rewards and needing rule-driven incentive workflows
FiveStars
loyalty for retailProvides a loyalty rewards program for restaurants with points, visit rewards, and offer management.
Integrated customer reviews collection tied directly to loyalty and engagement
FiveStars stands out for combining loyalty, rewards redemption, and customer feedback into one workflow built around merchant credit. Core capabilities include loyalty program management, reward earning and redemption rules, and customer messaging tied to loyalty activity. The platform also supports review collection that feeds back into marketing and customer retention efforts. FiveStars is best suited for teams that want rewards plus ongoing customer engagement rather than standalone points tracking.
Pros
- Loyalty earning and redemption logic supports multiple reward types
- Customer review collection is integrated with the loyalty engagement loop
- Campaign targeting ties messaging to customer actions inside the program
Cons
- Limited depth for advanced segmentation and event-based automation
- Reporting and analytics feel basic for complex program management
- Integration breadth is narrower than larger loyalty suites
Best For
Retail and local services using loyalty plus reviews for retention
Smile.io
ecommerce loyaltyBuilds loyalty and referral rewards programs with points, tiers, and reward redemption for commerce brands.
Points, tier, and badge gamification that turns purchase actions into visible progress
Smile.io focuses on gamified customer rewards with points, referral, and tiered loyalty mechanics built for ecommerce stores. Core capabilities include points earning rules, rewards catalogs, referral links with tracking, and milestone-based badges that keep participation visible. The platform also supports segmentation and basic campaign automation that ties reward actions to customer profiles without heavy engineering.
Pros
- Gamified points, tiers, and badges for clear loyalty progression
- Referral program with trackable links tied to rewards accounting
- Shopify-focused implementation with ready-to-use reward logic
Cons
- Advanced reward conditions and workflows feel limited versus full marketing automation
- Omnichannel attribution and complex lifecycle orchestration are not its focus
- Customization depth can require workarounds when needs diverge from templates
Best For
Ecommerce teams running points and referrals with lightweight automation
Yotpo
marketing suiteManages rewards and loyalty experiences alongside customer engagement modules with configurable earning rules.
Behavior-triggered campaigns that apply rewards rules to customer actions
Yotpo stands out for combining loyalty-style rewards with customer review and UGC workflows inside one engagement suite. It supports points and tiers tied to purchase and customer actions, plus automated campaigns that trigger based on customer behavior. The platform also helps turn verified reviews into incentive-linked social proof, which strengthens retention mechanics beyond simple point earning. Integrations with major commerce stacks let rewards logic connect to orders, customers, and storefront experiences.
Pros
- Rewards program supports points and tier mechanics tied to customer actions
- Behavior-triggered campaigns connect loyalty incentives to real purchase signals
- Review and UGC tooling strengthens retention with incentive-linked social proof
- Commerce integrations sync orders and customer data for automated earning and redemption
Cons
- Reward rules and triggers can feel complex without prior configuration experience
- Some advanced workflows require more setup than straightforward loyalty programs
Best For
Brands needing tiered rewards plus review and UGC-driven retention workflows
Antavo
enterprise loyaltyImplements enterprise loyalty and rewards programs with real-time promotions, personalization, and analytics.
Eligibility and fraud controls for reward issuance and redemption
Antavo focuses on rewards and loyalty orchestration with commerce-ready program design and governance. Core capabilities include loyalty program management, rewards catalog rules, and campaign-driven customer engagement workflows. The solution also supports fraud and eligibility controls to reduce misuse and keep redemptions aligned with business intent.
Pros
- Flexible loyalty program configuration with granular rules for earning and redemption
- Strong eligibility and anti-fraud controls for reducing reward abuse
- Campaign orchestration supports targeted engagement and controlled reward issuance
Cons
- Advanced configuration can require specialized program design knowledge
- Setup complexity increases when integrating multiple data sources and reward channels
- Reporting and optimization workflows may feel rigid without deeper tuning
Best For
Retail and ecommerce teams running complex loyalty and rewards programs at scale
Telio Loyalty
loyalty managementSupports loyalty and reward program design with digital wallets, points management, and redemption operations.
Rule-based eligibility and automated reward triggering within loyalty campaign workflows
Telio Loyalty focuses on managing loyalty programs with points, tiers, and rewards in a single customer engagement workflow. It supports campaign creation, reward redemption, and automated triggers tied to customer behavior. The platform also emphasizes omnichannel loyalty experiences across marketing and commerce touchpoints. Integration options and configurable rules determine how quickly loyalty logic fits existing systems.
Pros
- Supports points, tiers, and redemption flows for full loyalty lifecycle management
- Rule-based automations link customer actions to rewards and eligibility changes
- Configurable program logic reduces custom development for common loyalty patterns
Cons
- Advanced configurations can require specialist setup and clear program data modeling
- Out-of-the-box dashboards may require tuning to match specific executive reporting needs
- Omnichannel behavior depends on integration completeness and event quality
Best For
Teams needing configurable loyalty programs with automation across customer touchpoints
Comarch Loyalty
enterprise rewardsProvides loyalty and rewards capabilities for large organizations using points, offers, and customer engagement tooling.
Tier qualification and eligibility rules for multi-tier loyalty programs
Comarch Loyalty stands out with loyalty capabilities designed for enterprise-grade retail and customer programs, including points, tiers, and promotions. Core functions cover customer data handling, campaign management, and reward rule logic that supports multi-step offers and redemption scenarios. The solution integrates with broader Comarch ecosystems used in customer engagement and commerce operations, which supports coordinated customer journeys across channels. Program governance features like tiering and qualification rules align loyalty mechanics to business policies rather than simple point accrual.
Pros
- Configurable loyalty mechanics for points, tiers, and promotion-driven incentives
- Campaign and redemption rules support complex qualification and offer flows
- Enterprise integration orientation fits retail and multi-channel customer engagement
- Designed for program governance with tiering and customer eligibility logic
Cons
- Admin workflows can feel heavy without strong implementation support
- Setup complexity rises when programs require deep rule and data modeling
- Learning curve is steeper than lighter standalone loyalty tools
Best For
Enterprises running complex loyalty programs with tiering, promotions, and integrations
Zinrelo
loyalty for brandsEnables customer loyalty and rewards with points, tiers, and offer redemption through configurable program rules.
Configurable earn and redemption rules tied to customer events
Zinrelo stands out with a configurable rewards engine designed to match business rules to customer actions across channels. It supports points, tiers, and redemption journeys with loyalty-style workflows that can be tuned for different programs. Admin and reporting tools help manage earn and burn activity while keeping program logic centralized.
Pros
- Configurable rules for earning, tiering, and redemption workflows
- Centralized program configuration reduces fragmentation across channels
- Reporting covers program activity, balances, and redemption outcomes
Cons
- Workflow setup can require careful configuration and testing
- Advanced program logic may feel complex without specialist knowledge
- Limited out-of-the-box clarity for non-technical loyalty operations
Best For
Teams building multi-rule loyalty rewards with centralized workflow control
FiveCRM
rewards CRMTracks engagement and rewards activities with loyalty-style points programs for marketing and customer retention.
Segment-triggered loyalty campaigns tied to CRM customer activity
FiveCRM stands out for combining CRM-style customer records with loyalty and rewards program management in a single workflow. The platform supports rule-based reward earning and redemption paths, plus customer segmentation to target campaigns. Built-in communication and activity tracking help connect reward outcomes to real customer engagement.
Pros
- Centralized customer profiles link rewards behavior to account history
- Rule-based earning and redemption supports multi-step reward journeys
- Segmentation enables targeted reward campaigns by customer attributes
- Activity tracking ties engagement events to rewards performance
Cons
- Rewards setup can feel technical for complex redemption rules
- Fewer advanced loyalty controls than specialized rewards-only platforms
- Reporting depth may be limited for executive-level reward analytics
Best For
Teams managing CRM plus loyalty programs with segmentation-based targeting
Conclusion
After evaluating 10 business finance, Bink stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right Reward Software
This buyer’s guide explains how to select reward software using specific capabilities from Bink, Rivyo, FiveStars, Smile.io, Yotpo, Antavo, Telio Loyalty, Comarch Loyalty, Zinrelo, and FiveCRM. It maps core requirements like event-triggered automation, tier governance, fraud controls, and CRM or review-driven engagement to the tools built for those workflows.
What Is Reward Software?
Reward software automates customer loyalty and incentives by issuing points, tiers, credits, or other rewards based on defined customer actions. It solves problems like manual reward operations, inconsistent eligibility checks, and disconnected measurement of whether rewards drive engagement. Tools like Bink operationalize rewards through event-triggered rules tied to user actions. Tools like FiveStars combine loyalty earning and redemption with integrated customer review collection to strengthen retention workflows.
Key Features to Look For
Reward programs succeed when the platform can reliably award, restrict, redeem, and measure rewards for the specific customer journeys a business runs.
Event-triggered reward automation tied to user actions
Bink excels at event-triggered reward automation that issues points, badges, or credits from defined user actions, which reduces manual reward handling. Yotpo also runs behavior-triggered campaigns that apply rewards rules to customer actions, which keeps incentives aligned to actual purchase and engagement signals.
Rule-based eligibility and configurable earn and burn workflows
Rivyo focuses on rule-based reward issuance tied to monitored user actions, which supports precise incentive targeting. Zinrelo centers on configurable earn and redemption rules tied to customer events, which keeps program logic centralized for multi-rule journeys.
Fraud and eligibility controls for reward issuance and redemption
Antavo includes eligibility and anti-fraud controls that reduce reward abuse and keep redemptions aligned with business intent. Telio Loyalty emphasizes rule-based eligibility and automated reward triggering within loyalty campaign workflows, which helps ensure rewards only move when eligibility changes.
Tier qualification and multi-step program governance
Comarch Loyalty is built for enterprise governance with tier qualification and eligibility rules for multi-tier loyalty programs. Antavo supports granular earning and redemption rules plus campaign orchestration, which supports controlled reward issuance beyond simple point accrual.
Reward redemption operations inside the loyalty lifecycle
Telio Loyalty supports points, tiers, and reward redemption flows with rule-based automations that link customer actions to eligibility changes. FiveCRM also supports rule-based earning and redemption paths tied to CRM-style customer records for lifecycle management.
Engagement amplifiers like reviews, UGC, and gamified progress
FiveStars integrates customer review collection directly into the loyalty engagement loop, which ties feedback capture to reward activity. Yotpo extends rewards with review and UGC tooling where verified reviews become incentive-linked social proof. Smile.io turns purchase actions into visible progress with gamified points, tiers, and badge mechanics.
How to Choose the Right Reward Software
Picking the right tool comes from matching the reward journey type, governance needs, and integration context to the platform’s automation and controls.
Start with the reward journey model that the business actually runs
If rewards must trigger from defined user actions like purchases, visits, or behaviors, evaluate Bink for event-triggered reward automation and Yotpo for behavior-triggered campaigns. If rewards must be driven by explicit monitored activity and eligibility logic, Rivyo provides rule-based reward issuance tied to monitored user actions.
Set governance expectations for tiers, eligibility, and fraud prevention
For multi-tier programs with qualification rules that align loyalty mechanics to business policy, Comarch Loyalty provides tier qualification and eligibility rules. For fraud-resistant incentive operations, Antavo adds eligibility and anti-fraud controls to keep redemptions aligned to intent.
Choose a configuration style that matches the team’s available expertise
For teams that can iterate on advanced reward rule configuration, Bink and Yotpo support complex trigger-based logic that can require iterative tuning. For teams that want more guided program logic for common loyalty patterns, Smile.io provides gamified points, tier, and badge mechanics with Shopify-focused implementation.
Confirm how rewards connect to the engagement channels that matter
For restaurant and local services that want loyalty plus customer feedback in one workflow, FiveStars ties customer review collection directly to loyalty activity. For ecommerce teams that need points plus referrals with trackable links, Smile.io delivers referral program mechanics with milestone badges.
Validate operational fit for redemption and reporting use cases
If redemption workflows and eligibility-driven automations must be managed as part of the loyalty lifecycle, Telio Loyalty supports points, tiers, and redemption flows with automated triggers. If reporting must follow rewards performance and auditability, Rivyo focuses on campaign reporting centered on reward performance and activity tracking.
Who Needs Reward Software?
Reward software fits teams that want to turn customer actions into points and rewards with controlled issuance, redemption, and measurable engagement outcomes.
Teams automating action-based loyalty programs with event-triggered rules
Bink and Rivyo fit teams that need rewards issued from defined user actions through event-triggered or monitored activity rules. These platforms emphasize operational automation and activity tracking that supports reward issuance and outcomes measurement.
Brands that want loyalty plus review and UGC-driven retention
FiveStars suits retail and local services that want loyalty and customer reviews tied to the engagement loop. Yotpo fits brands that need tiered rewards combined with review and UGC workflows where verified reviews become incentive-linked social proof.
Ecommerce teams that want gamified points, tiers, and referrals with lightweight automation
Smile.io is a fit for ecommerce teams running points and referrals with visible gamified progression through badges. It is designed to keep reward logic close to commerce store workflows without requiring heavy engineering for common reward mechanics.
Enterprises running complex, policy-governed loyalty with multi-tier qualification and integrations
Comarch Loyalty fits enterprises that need tier qualification and eligibility rules plus governance across complex offers and redemption scenarios. Antavo fits retail and ecommerce teams running complex loyalty at scale with eligibility and anti-fraud controls for reward issuance.
Common Mistakes to Avoid
Selection mistakes usually come from underestimating rule complexity, assuming dashboards will match executive reporting, or picking the wrong engagement channel integration.
Choosing a workflow-first or rule-first platform without a plan for rule tuning
Bink and Yotpo support advanced trigger-based logic but reward logic tuning may require iterative testing to avoid unintended triggers. Zinrelo and Rivyo also rely on careful configuration and workflow setup because reward eligibility rules must align to monitored events.
Assuming omnichannel behavior works automatically without strong integrations and event quality
Telio Loyalty ties omnichannel loyalty behavior to integration completeness and event quality. Comarch Loyalty coordinates customer journeys across channels inside broader ecosystems, so weak integration inputs can limit automation accuracy.
Ignoring eligibility and fraud requirements until redemption operations are already live
Antavo includes eligibility and anti-fraud controls that reduce reward abuse, which matters when redemption can be exploited. Antavo and Telio Loyalty both emphasize eligibility-aware triggering, so skipping these checks can lead to misaligned reward issuance.
Picking a rewards-only approach when reviews or CRM-based targeting are central to the strategy
FiveStars integrates customer review collection tied directly to loyalty engagement, so a rewards-only catalog can fail to capture feedback loops. FiveCRM combines CRM customer profiles with segmentation and segment-triggered loyalty campaigns, so CRM-first businesses can lose targeting power if they pick tools that do not link rewards to customer records.
How We Selected and Ranked These Tools
we evaluated every tool on three sub-dimensions with features weighted at 0.4, ease of use weighted at 0.3, and value weighted at 0.3. The overall rating equals 0.40 × features plus 0.30 × ease of use plus 0.30 × value. Bink separated from lower-ranked tools because its features score is driven by event-triggered reward automation that issues points, badges, or credits from defined user actions, which strengthens operational execution of reward journeys. Tools like Zinrelo and Smile.io scored lower overall primarily because their standout capabilities require more careful workflow configuration or provide fewer advanced automation and orchestration capabilities than the most workflow-first platforms.
Frequently Asked Questions About Reward Software
Which reward software is best for event-triggered automation instead of manual reward catalogs?
Bink and Rivyo both focus on rules that issue rewards from measurable events. Bink ties points, badges, or credits to defined user actions via automated workflows, while Rivyo applies rule-based issuance tied to monitored activities with campaign reporting centered on reward performance.
Which platform combines rewards with customer reviews or UGC workflows?
FiveStars connects loyalty earning and redemption with review collection so feedback maps to loyalty activity. Yotpo pairs points and tiers with behavior-triggered campaigns and turns verified reviews into incentive-linked social proof.
Which solution fits ecommerce teams that need gamified points, referrals, and tier milestones?
Smile.io is built for ecommerce gamification with points earning rules, referral tracking, and milestone badges. Yotpo also supports tiered rewards tied to purchase and customer actions, with added UGC and verified review flows.
What tool works best for complex eligibility and fraud controls in loyalty programs?
Antavo is designed for governance with eligibility and fraud controls that limit misuse and align redemptions to business intent. Comarch Loyalty also supports qualification and eligibility rules for multi-step offers and redemption scenarios in enterprise retail programs.
Which reward software is designed for omnichannel loyalty across marketing and commerce touchpoints?
Telio Loyalty emphasizes omnichannel loyalty experiences across marketing and commerce touchpoints with automated triggers tied to customer behavior. Comarch Loyalty similarly supports coordinated customer journeys by integrating loyalty with broader customer engagement and commerce operations.
Which platform centralizes earn-and-burn program logic across multiple channels?
Zinrelo is positioned as a configurable rewards engine that centralizes earn and redemption rules tied to customer events. Bink also centralizes award logic through configurable reward rules, but Zinrelo’s strength is tuning multi-rule loyalty rewards across channels with centralized workflow control.
Which option suits enterprises that need multi-tier loyalty with governance and promotions?
Comarch Loyalty targets enterprise-grade programs with points, tiers, promotions, and governance features for tier qualification. Antavo supports campaign-driven engagement workflows with governance controls for eligibility and redemption alignment.
Which tool is strongest for CRM-driven segmentation and targeted loyalty campaigns?
FiveCRM links CRM-style customer records to loyalty and rewards program management with segmentation-based targeting. FiveCRM also ties segment-triggered campaigns to customer activity, while Telio Loyalty focuses on behavior-triggered triggers inside loyalty workflows.
How should teams choose between Bink and Rivyo for reward measurement and outcomes?
Bink emphasizes measurement of engagement and reward outcomes while issuing rewards via event-triggered rules tied to user actions. Rivyo also tracks activity for issuance and centers reporting on reward performance, which makes it a better fit when reporting needs stay tightly coupled to reward outcomes.
Which platform is best when loyalty rewards must connect directly to customer messaging workflows?
FiveStars integrates customer messaging with loyalty activity, linking reward earning and redemption to engagement and review collection. Yotpo also connects incentives to customer behavior and verified reviews, with automated campaigns that apply rewards logic based on actions across the customer journey.
Tools reviewed
Referenced in the comparison table and product reviews above.
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