{"id":51563,"date":"2022-03-29T10:00:03","date_gmt":"2022-03-29T17:00:03","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/?p=51563"},"modified":"2024-07-26T01:14:06","modified_gmt":"2024-07-26T08:14:06","slug":"embedded-finance-vs-banking-as-a-service-baas-whats-the-difference","status":"publish","type":"post","link":"\/us\/en\/blog\/embedded-finance-vs-banking-as-a-service-baas-whats-the-difference\/","title":{"rendered":"Embedded finance vs. Banking as a Service (Baas): What&#8217;s the difference?"},"content":{"rendered":"<p><b>Highlights:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded finance and Banking as a Service are related, but not identical.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial services organizations can take advantage of opportunities inherent in each.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A cloud-based, unified communications platform supports both embedded finance and Banking as a Service.<\/span><\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"font-weight: 400;\">\ud83d\udc40 \ud83d\udc40\u00a0 Did you know that digital transformation in financial services is well underway? Grab our infographic to get the whole story.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"download-form-widget enterprise-download-form\" data-url=\"https:\/\/netstorage.ringcentral.com\/documents\/support_pillars_financial_services_transformation.pdf\" data-id=\"69d719d4e3b41\" id=\"69d719d4e3b41\">\n\t\t<button tabindex=\"on\"  on=\"tap:69d719d4e3b41.toggleClass(class='open')\" class=\"open-modal-download-action download-form-button\" type=\"submit\">Check out the infographic<\/button><\/p>\n<div class=\"download-form-modal\">\n<div class=\"download-form-modal-body\">\n<div class=\"download-form-modal-content\">\n<div class=\"download-form-modal-title\">What are the three support pillars for financial services transformation? Find out with our free infographic.<\/div>\n<form class=\"download-form ENTERPRISE\" method=\"post\">\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Full Name\" aria-required=\"true\" aria-invalid=\"false\" type=\"text\" name=\"fullname\" placeholder=\"Full Name\" data-dl-events-hover=\"true\" data-dl-element=\"text\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Email (please enter a work email address)\" aria-required=\"true\" aria-invalid=\"false\" type=\"email\" autocomplete=\"on\" name=\"email\" placeholder=\"Email (please enter a work email address)\" data-dl-events-hover=\"true\" data-dl-element=\"email\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"popup_form\" value=\"1\">\n\t\t\t\t\t\t<\/div>\n<div><input type=\"hidden\" name=\"Asset_ID__c\" value=\"ODAM-02524\" class=\"download-form-input\"><\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"Lead_Entry_Source__c\" value=\"RC Blog Enterprise\" class=\"download-form-input\"\/>\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<button class=\"download-form-submit\" type=\"submit\" data-dl-element=\"button\" data-no-auto-dl=\"true\" data-dl-additional-info=\"enterprise download form\" data-dl-name=\"Get it now\">Get it now<\/button>\n\t\t\t\t\t\t<\/div>\n<\/p><\/form>\n<p> \t\t\t\t\t<button on=\"tap:69d719d4e3b41.toggleClass(class='open')\" role=\"button\" tabindex=\"0\"  class=\"download-form-modal-close\"><\/button>\n\t\t\t\t<\/div>\n<div class=\"download-form-modal-thank\"> Enjoy!<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">The digital revolution has given rise to dramatic and impactful trends in the financial services sector. Embedded finance is the integration of financial solutions by sellers, resale platforms, or employers that traditionally were only accessible through a financial services provider. Banking as a Service (BaaS) is a relatively new business model whereby virtual or digital banks offer financial products by connecting with bank systems via application programming interfaces<\/span><b> (<\/b><span style=\"font-weight: 400;\">APIs).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Embedded finance and BaaS are closely related in that they are both tied to the digital marketplace and efforts to simplify and streamline financial services for consumers and businesses. In essence, they empower virtually any company in any industry to participate in the fintech space. There are also some key distinctions to know so you have the best understanding of their respective roles in virtual finance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"rc-subscribe\" id=\"new-rc-subscribe\"  style=\"background-image:url('\/us\/en\/blog\/wp-content\/themes\/ringcentral\/assets\/images\/temp\/subscribe.png')\">\n\t\t<button class=\"close js-popup-close\"><svg class=\"icon_close_mobile\" width=\"20\" height=\"20\"><use xlink:href=\"#icon_close_mobile\"><\/use><\/svg><\/button><\/p>\n<div class=\"rc-subscribe__wrapper\">\n<div class=\"rc-subscribe__wrapper_text\">\n<h3 class=\"rc-subscribe__title h2\">Stay informed with RingCentral<\/h3>\n<div class=\"rc-subscribe__subtitle\">Subscribe to our emails for the latest blogs, events, and exclusive content on AI-powered communication solutions. Stay ahead with insights and tips from the leader in trusted AI communications.<\/p>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/legal\/privacy-notice.html\" target=\"_blank\" data-dl-name=\"Privacy Notic\" data-dl-element=\"link\" data-dl-additional-info=\"social\" rel=\"noreferrer noopener\">Privacy Notice<\/a>\n\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"rc-subscribe__wrapper_form\">\n<form class=\"\" data-event-init=\"true\" novalidate data-js-form>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\tname=\"email\"\n\t\t\t\t\t\t\t\tplaceholder=\"Email address *\"\n\t\t\t\t\t\t\t\ttitle=\"Must be valid email. example@yourdomain.com\"\n\t\t\t\t\t\t\t\tminlength=\"4\"\n\t\t\t\t\t\t\t\tmaxlength=\"255\"\n\t\t\t\t\t\t\t\ttype=\"email\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tpattern=\"[a-z0-9._%+\\-]+@[a-z0-9.\\-]+\\.[a-z]{2,}$\"\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\tautocomplete=\"on\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-events-hover=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-element=\"email\"\n\t\t\t\t\t\t\t\tdata-dl-additional-info=\"LET'S WORK TOGETHER\"\n\t\t\t\t\t\t\t\taria-label=\"Email address *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"email-subscribe-errors\"\n\t\t\t\t\t\t><br \/>\n\t\t\t\t\t\t<span class=\"field__errors\" id=\"email-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<select\n\t\t\t\t\t\t\t\tname=\"Country__c\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\t\t\taria-label=\"Country *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"country-subscribe-errors\"\n\t\t\t\t\t\t><option value=\"\" disabled=\"disabled\" selected=\"selected\">Country<\/option><option value=\"Canada\">Canada<\/option><option value=\"United_States\">United States<\/option><\/select><\/p>\n<p>\t\t\t\t\t\t<span class=\"field__errors\" id=\"country-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<button type=\"submit\" data-event-init=\"true\">Subscribe<\/button>\n\t\t\t\t\t<\/div>\n<\/p><\/form>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"confirm-form\" role=\"status\" aria-live=\"polite\" style=\"display: none;\" aria-hidden=\"true\">\n<div class=\"confirm-form__text\">Thank you for your interest in RingCentral<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h3><b>Embedded finance overview<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Here are a couple of examples of embedded finance you might use in your everyday life. Paying for your ride share via the Uber or Lyft app is a simple example of embedded finance in action. The app connects a non-financial service provider with a financial institution, making it unnecessary for you to use cash or a credit card to transact business. Another common example of embedded finance is to use the Starbucks app to buy your morning coffee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The primary purpose of embedded finance is to streamline customer experiences by eliminating extra steps to obtain financing, such as loans, insurance, or investments. It is in play in a number of industries, including real estate, retail, and some employment sectors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Real estate businesses have eliminated extra steps for property buyers by integrating loan and insurance options into the process. Retailers, including those in eCommerce, give buyers access to financing offers with immediate decisions to invite purchases. Some employers, such as Uber, allow workers fast access to earnings through dedicated debit cards. In all cases, product and service companies hope that the more efficient process helps attract and retain customers (or employees).<\/span><\/p>\n<h3><b>Banking as a service overview<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Banking as a Service is a model that allows non-banks or virtual banks to offer access to standard banking products or features by connecting to a bank system through APIs and webhooks. It makes it easier for a variety of companies to offer financing through licensed access rather than developing their own banking business with a complete physical infrastructure or sending customers to a third-party financier.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">BaaS has led to the development of a number of virtual banks without any physical branch locations. These providers focus on the front-end app tools and features users want and rely on licensed bank systems to facilitate the requisite back-end banking functions.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-51566\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/03\/baas.jpeg\" alt=\"Man sitting on couch with mobile phone and laptop performing online banking as a service\" width=\"930\" height=\"620\" \/><\/p>\n<h3><b>The power of API<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">API is not a new technology; it has existed for a long time. It is the conduit through which the front-end financial solution communicates with the back-end system. It is able to facilitate the interaction in such a way that the system and the application understand each other.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Embedded finance and BaaS are simply new, innovative ways of utilizing APIs. They enable customer and agent interaction with the financial application on the front end to communicate the intended messages with the banking infrastructure. The API is the reason embedded solutions from non-bank providers don&#8217;t need an independent banking system.<\/span><\/p>\n<h2><b>Embedded finance and BaaS differences<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There are a lot of similarities between embedded finance and Banking as a Service. In particular, both equate to the delivery of financing opportunities by providers other than standard bank systems. However, some key distinctions exist as well, which are important to best understand their respective roles in fintech. The following are some of the core differences between embedded finance and BaaS:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chicken and egg: <\/b><span style=\"font-weight: 400;\">One way of looking at the relationship between embedded finance and Banking as a Service is to say that the former is made possible by the latter. Embedded finance takes the end-to-end model of BaaS and packages it as an integrated financing option to consumers of other products or services. In essence, BaaS is necessary to support the structure of embedded finance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consumer-facing business: <\/b><span style=\"font-weight: 400;\">A key characteristic of embedded finance is that financial solutions are offered by consumer-facing businesses in conjunction with the purchase of primary goods and services. The purpose is to eliminate the need for the consumer to go somewhere else to acquire a loan or insurance. Doing so streamlines the buying process, which optimizes the customer experience and induces greater buying activity. BaaS enables the provision of financial services by digital banks or non-banks, exclusive of product purchases.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Front-end versus back-end:<\/b><span style=\"font-weight: 400;\"> Embedded finance is more defined by the front-end access to financial services, whereas BaaS is more defined by its back-end banking functionality. In other words, the former centers on integrated access to solutions; the latter centers on the technological foundation that digital banks and non-banks rely on to deliver financial services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Branding: <\/b><span style=\"font-weight: 400;\">With embedded finance, it is typically clear to the consumer that integrated financing solutions come from an external bank. Amazon shoppers, for instance, know that buy-now-pay-later options come from Affirm because Amazon indicates it at the time of purchase. With BaaS, the banking system more typically supports the front-end provider that the consumer interacts with directly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Conversions: <\/b><span style=\"font-weight: 400;\">BaaS is a framework for supporting digital banking solutions that fit the interests of contemporary consumers for online financing options. It is a more ongoing, holistic view. Embedded finance centers more on its contributions to singular buying processes or transactions. It helps drive conversions by enabling the provider to keep the customer connected to the business until the deal is closed.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><\/p>\n<div class=\"rc-post-content-cta rc-post-content-cta_orange\">\n<div class=\"rc-post-content-cta-columns\">\n<div class=\"bottom-cta-img\">\n\t\t\t\t<img decoding=\"async\" width=\"930\" height=\"700\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/02\/finserv-hybrid.jpeg\" class=\"responsive-image\" alt=\"\" \/>\t\t\t<\/div>\n<div class=\"bottom-cta-copy\">\n<div class=\"headline-copy\" style=\"text-align:left;\"><\/span><b>UP NEXT: Ensuring security in financial services hybrid work environments<\/b><span style=\"font-weight: 400;\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"rc-post-content-cta-footer\">\n<div class=\"bottom-cta-logo-container\">\n<div class=\"bottom-cta-logo\"><span aria-hidden=\"true\"><svg width=\"154\" height=\"34\" viewBox=\"0 0 154 34\" fill=\"#000\" role=\"img\" 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\/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.6302 16.6477V16.5017C13.8424 15.8905 15.339 14.4051 15.339 11.0684C15.339 7.64031 12.782 5.14423 8.04169 5.14423H0V26.9657H3.73931V18.3H8.29354C10.4143 18.3 11.4746 19.3604 11.4746 21.4811V26.9817H15.2139V21.4811C15.2139 18.3946 13.9033 17.1482 11.6302 16.6477ZM7.84117 14.9329H3.73931V8.51618H7.83956C9.86562 8.51618 11.4233 9.35998 11.4233 11.7277C11.4233 14.0955 9.85119 14.9329 7.84117 14.9329Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M19.7329 9.60219C20.2077 9.60219 20.6729 9.46262 21.0676 9.19794C21.4638 8.93485 21.7718 8.55948 21.9531 8.11994C22.1359 7.68039 22.1824 7.19754 22.091 6.73233C21.998 6.26552 21.7702 5.83721 21.4333 5.50194C21.0964 5.16506 20.6697 4.93727 20.2029 4.84423C19.7361 4.75119 19.2532 4.79931 18.8153 4.98219C18.3758 5.16506 18.002 5.47306 17.7373 5.86769C17.4742 6.26231 17.333 6.72752 17.3347 7.20235C17.3298 7.67879 17.4694 8.144 17.7325 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aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-arrow-537841681\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<title id=\"cta-ring-arrow-537841681\">Ring Central Logo<\/title>\t\n\t\t\t\t\t<path d=\"M0 11.5C0 11.2239 0.223858 11 0.5 11H21.6797C21.9559 11 22.1797 11.2239 22.1797 11.5V12.5C22.1797 12.7761 21.9559 13 21.6797 13H0.5C0.223858 13 0 12.7761 0 12.5V11.5Z\" ><\/path>\n\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M21.1718 12.0001L15.8086 6.63691C15.6134 6.44165 15.6134 6.12506 15.8086 5.9298L16.5157 5.22269C16.711 5.02743 17.0276 5.02743 17.2228 5.22269L23.6467 11.6465C23.8419 11.8418 23.8419 12.1584 23.6467 12.3536L17.2228 18.7775C17.0276 18.9727 16.711 18.9727 16.5157 18.7775L15.8086 18.0704C15.6134 17.8751 15.6134 17.5585 15.8086 17.3633L21.1718 12.0001Z\" ><\/path>\n\t\t\t\t<\/svg><\/span><\/a>\n\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h2><b>RingCentral supports embedded finance and BaaS<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Though they have some differences, embedded finance and Banking as a Service are both emblematic of the power of the digital age. To succeed in optimizing your customer experience, companies have to stay on the cutting edge of emerging technology. The emergence of virtual banks and embedded solutions may seem like more competition for traditional financial services providers, but adaptive providers realize the partnership opportunities available from these trends and look to enhance existing solutions or find new ones through collaboration with external partners.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">RingCentral provides an elite unified communications platform ideally suited to financial services providers. It offers features to aid both embedded finance and Banking as a Service, including cross-platform collaboration, API integration, and consistent, automated workflows. Request a demo today to<\/span><a href=\"https:\/\/www.ringcentral.com\/office\/industry-solutions\/business-communications-for-financial-services.html\"> <span style=\"font-weight: 400;\">see how it works<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Highlights: Embedded finance and Banking as a Service are related, but not identical. Financial services organizations can take advantage of opportunities inherent in each. A cloud-based, unified communications platform supports both embedded finance and Banking as a Service. \ud83d\udc40 \ud83d\udc40\u00a0 Did you know that digital transformation in financial services is well underway? Grab our infographic &#8230;<\/p>\n","protected":false},"author":1120,"featured_media":51564,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18836],"tags":[43254,7361,43234],"class_list":["post-51563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-baas","tag-communications-platform","tag-embedded-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Embedded finance vs. Banking as a Service (Baas): What&#039;s the difference? | RingCentral Blog<\/title>\n<meta name=\"description\" content=\"How does embedded finance differ from banking as a service? 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Matt has an MBA from Cornell University and a BA in Economics and East Asian Studies from Colby College.","sameAs":["https:\/\/www.linkedin.com\/in\/mdlehman\/"],"url":"\/us\/en\/blog\/author\/matt-lehman\/"}]}},"rc_img_url":"\/us\/en\/blog\/wp-content\/uploads\/2022\/03\/embedded-finance-1.jpeg","rcblog_by_author":"<a href=\"\/us\/en\/blog\/author\/matt-lehman\/amp\" data-dl-events-click=\"true\" data-dl-element=\"link\"><span class=\"image\"><img src=\"https:\/\/secure.gravatar.com\/avatar\/451b7b4a0fd30f37a8d700c8152fcb64740f49e5562268577f0e4ee32e29963e?s=96&d=mm&r=g\" alt=\"\" width=\"30\" height=\"30\" layout=\"fixed\"><\/img><\/span><span class=\"by-author-name\">Matt Lehman<\/span><\/a>","rc_author_full_name":"Matt Lehman","rc_author_avatar":"\/us\/en\/blog\/wp-content\/uploads\/2021\/12\/matthew-lehman.jpeg","rc_author_link":"\/us\/en\/blog\/author\/matt-lehman\/amp","rc_post_categories":"<a href=\"\/us\/en\/blog\/category\/verticals\/financial-services\/amp\">Financial services<\/a>","amp_link":"\/us\/en\/blog\/embedded-finance-vs-banking-as-a-service-baas-whats-the-difference\/amp","excerpt_title":"Embedded finance vs. Banking as a Service (Baas): What&#8...","_links":{"self":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts\/51563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/users\/1120"}],"replies":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/comments?post=51563"}],"version-history":[{"count":0,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/posts\/51563\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/media\/51564"}],"wp:attachment":[{"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/media?parent=51563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/categories?post=51563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/wp-json\/wp\/v2\/tags?post=51563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}