{"id":292,"date":"2025-10-31T13:36:28","date_gmt":"2025-10-31T13:36:28","guid":{"rendered":"https:\/\/web.befisc.com\/fintechsherlock\/?p=292"},"modified":"2026-04-25T10:54:27","modified_gmt":"2026-04-25T09:54:27","slug":"rbi-erases-claim-settlement-for-deceasedccounts","status":"publish","type":"post","link":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/","title":{"rendered":"RBI Eases Claim Settlement for Deceased Accounts up to \u20b915 Lakh"},"content":{"rendered":"\n
The Reserve Bank of India (RBI) has proposed a simplified claim settlement process for deceased bank account holders who did not nominate anyone or whose joint accounts lack a survivorship clause. <\/p>\n\n\n\n
Under the draft guidelines, banks must allow claim settlement up to \u20b915 lakh through a straightforward document-based process – without requiring a court order or third-party indemnity bonds. The circular aims to reduce distress for legal heirs and standardize procedures across banks. The final version is expected to take effect by January 1, 2026<\/strong>, after public consultation.<\/p>\n\n\n\n
When a bank account holder passes away without naming a nominee, family members often face a frustrating maze of paperwork, legal complexities, and delays before accessing their loved one\u2019s funds. These delays not only cause emotional stress but can also create serious financial hardship for dependents.<\/p>\n\n\n\n
Over the years, the RBI has received numerous complaints about inconsistent practices among banks in settling such claims. Some demanded succession certificates; others insisted on court orders or sureties – even for small amounts.<\/p>\n\n\n\n
To solve this, RBI\u2019s draft circular titled \u201cReserve Bank of India (Settlement of Claims in respect of Deceased Customers of Banks) Directions, 2025\u201d aims to standardize and simplify how banks handle deceased customer accounts, especially in cases where no nominee or survivorship clause exists.<\/p>\n\n\n\n
Key Highlights of the Draft Circular<\/strong><\/h2>\n\n\n\n<\/figure>\n\n\n\n
1. Simplified Procedure for Accounts Without Nominees<\/strong><\/h3>\n\n\n\n
Banks will now have to follow a simplified claim settlement process<\/strong> for deceased depositors who did not appoint a nominee or for joint accounts lacking a survivorship clause.<\/p>\n\n\n\n
Threshold:<\/strong><\/p>\n\n\n\n
\n
Each bank must set a threshold for simplified settlement, minimum \u20b915 lakh<\/strong>. <\/li>\n\n\n\n
Banks can choose to go higher based on their internal risk systems.<\/li>\n<\/ul>\n\n\n\n
The goal is to ensure that families aren\u2019t subjected to unnecessary hurdles or legal wrangling for modest amounts.<\/p>\n\n\n\n
2. When the Claim is up to \u20b915 Lakh<\/strong><\/h3>\n\n\n\n
If the total claim value is \u20b915 lakh or less<\/strong>, and there\u2019s:<\/p>\n\n\n\n
\n
No Will left by the deceased, <\/li>\n\n\n\n
No contesting claim, and <\/li>\n\n\n\n
No court order<\/em> restraining payment -then, banks must release funds based on the following documents:<\/li>\n<\/ul>\n\n\n\n
Required Documents:<\/strong><\/p>\n\n\n\n
\n
Duly filled claim form<\/strong> signed by claimants. <\/li>\n\n\n\n
Death certificate<\/strong> of the account holder. <\/li>\n\n\n\n
Officially Valid Document (OVD)<\/strong> for claimant\u2019s identity and address. <\/li>\n\n\n\n
Bond of Indemnity\/Surety<\/strong> signed by claimants (as per Annex I-C). <\/li>\n\n\n\n
Letter of Disclaimer\/No Objection<\/strong> from non-claimant legal heirs (if any). <\/li>\n\n\n\n
Legal Heir Certificate<\/strong> issued by a competent authority, or a declaration by an independent person<\/strong> known to the family and acceptable to the bank.<\/li>\n<\/ul>\n\n\n\n
Importantly, no third-party surety<\/strong> or external indemnity bond will be required for such claims.<\/p>\n\n\n\n
This is a major relief – previously, claimants often struggled to find third-party guarantors, leading to long delays.<\/p>\n\n\n\n
3. When the Claim is Above \u20b915 Lakh<\/strong><\/h3>\n\n\n\n
For claims above \u20b915 lakh<\/strong>, the process is slightly stricter to ensure authenticity.<\/p>\n\n\n\n
In addition to the above documents, banks will need:<\/p>\n\n\n\n
\n
Succession certificate<\/strong>; or <\/li>\n\n\n\n
Legal Heir Certificate \/ Affidavit<\/strong> (sworn before a judge or magistrate) from an independent person known to the family and acceptable to the bank. <\/li>\n\n\n\n
A third-party indemnity bond<\/strong> may also be sought, depending on the bank\u2019s risk assessment.<\/li>\n<\/ul>\n\n\n\n
4. Focus on Customer Convenience<\/strong><\/h3>\n\n\n\n
The circular emphasizes that the process should be customer-friendly<\/strong> – avoiding unnecessary hardship, repeated document requests, or procedural rigidity.<\/p>\n\n\n\n
This language signals a shift in RBI\u2019s approach: prioritizing accessibility and empathy over bureaucracy.<\/p>\n\n\n\n
5. Consultation and Implementation Timeline<\/strong><\/h3>\n\n\n\n
\n
Public feedback open till:<\/strong> August 27, 2025. <\/li>\n\n\n\n
Likely effective date:<\/strong> January 1, 2026 (or earlier, based on RBI\u2019s final approval).<\/li>\n<\/ul>\n\n\n\n
This gives banks a few months to update their internal policies and systems to align with the new directions.<\/p>\n\n\n\n
Why This Matters<\/strong><\/h2>\n\n\n\n
Historically, when an account holder dies without a nominee, banks freeze the funds until all legal formalities are completed. The family\u2019s ordeal often includes:<\/p>\n\n\n\n
Obtaining signatures and affidavits from all legal heirs, <\/li>\n\n\n\n
Providing indemnities and third-party sureties.<\/li>\n<\/ul>\n\n\n\n
This could drag on for months – even for small savings accounts.<\/p>\n\n\n\n
By setting a clear and simplified \u20b915 lakh limit, RBI aims to cut through red tape, reduce distress, and ensure that rightful claimants receive funds quickly and transparently.<\/p>\n\n\n\n
Impact on Fintechs and Banks<\/strong><\/h2>\n\n\n\n
1. What Banks Should Do<\/strong><\/h3>\n\n\n\n
Banks will need to:<\/p>\n\n\n\n
\n
Revise internal policies<\/strong> on deceased claim settlements. <\/li>\n\n\n\n
Digitize the claim submission process<\/strong> (preferably via online portals). <\/li>\n\n\n\n
Train branch staff<\/strong> to handle such cases empathetically and efficiently. <\/li>\n\n\n\n
Establish a risk-based approval mechanism<\/strong> for verifying claim authenticity.<\/li>\n<\/ul>\n\n\n\n
They\u2019ll also have to ensure consistency<\/strong> across branches – no more arbitrary requirements differing from one branch to another.<\/p>\n\n\n\n
2. For Fintechs and Neobanks<\/strong><\/h3>\n\n\n\n
Many fintech platforms offer banking-as-a-service or digital accounts via partner banks. This circular will directly impact how those fintechs:<\/p>\n\n\n\n
\n
Manage account closures after customer death, <\/li>\n\n\n\n
Handle nominee\/beneficiary updates, and <\/li>\n\n\n\n
Communicate settlement procedures to users.<\/li>\n<\/ul>\n\n\n\n
To stay compliant, fintechs should:<\/p>\n\n\n\n
\n
Add nominee update prompts in their app onboarding flow. <\/li>\n\n\n\n
Clearly display the nominee details or \u201cno nominee added\u201d warnings in customer dashboards. <\/li>\n\n\n\n
Integrate digital claim submission modules for heirs. <\/li>\n\n\n\n
Sync with partner banks\u2019 updated claim APIs post-January 2026.<\/li>\n<\/ul>\n\n\n\n
These steps will not only ensure compliance but also build user trust – a key differentiator in fintech.<\/p>\n\n\n\n
3. Legal and Compliance Implications<\/strong><\/h3>\n\n\n\n
Legal teams should note:<\/p>\n\n\n\n
\n
Documentation templates (Annex I-C and I-D) will need to be integrated into standard processes. <\/li>\n\n\n\n
Banks cannot demand extra documents beyond those listed in the RBI circular for claims within \u20b915 lakh. <\/li>\n\n\n\n
Internal audit and compliance checks must verify adherence post-implementation.<\/li>\n<\/ul>\n\n\n\n
4. Risk and Fraud Management<\/strong><\/h3>\n\n\n\n
While simplifying access, banks must still guard against fraud or impersonation.<\/p>\n\n\n\n
They can leverage:<\/p>\n\n\n\n
\n
Video verification tools<\/strong> for claimants, <\/li>\n\n\n\n
AI-based document validation<\/strong>, and <\/li>\n\n\n\n
Cross-referencing of legal heir certificates<\/strong> via government databases.<\/li>\n<\/ul>\n\n\n\n
RBI\u2019s \u201cbased on risk management systems\u201d clause gives banks flexibility – to design controls that ensure both speed and security<\/strong>.<\/p>\n\n\n\n
How It Works<\/strong><\/h2>\n\n\n\n
Let\u2019s say Anita Sharma had a savings account with \u20b912 lakh but passed away without naming a nominee. Her son, Rohan, approaches the bank.<\/p>\n\n\n\n
Here\u2019s how it\u2019ll go under the new process:<\/p>\n\n\n\n<\/figure>\n\n\n\n\n
Rohan fills the claim form and attaches Anita\u2019s death certificate. <\/li>\n\n\n\n
He provides his Aadhaar and address proof (OVD). <\/li>\n\n\n\n
Other heirs (Anita\u2019s husband and daughter) sign a no-objection letter. <\/li>\n\n\n\n
A family friend signs a declaration confirming the family\u2019s legal heir status. <\/li>\n\n\n\n
The bank verifies documents, approves the claim, and releases \u20b912 lakh – all without needing a court certificate or third-party surety<\/strong>.<\/li>\n<\/ol>\n\n\n\n
This saves the family weeks, if not months, of delay.<\/p>\n\n\n\n
Conclusion<\/strong><\/h2>\n\n\n\n
The RBI\u2019s draft circular marks a progressive and humane step towards simplifying claim settlements for ordinary citizens. By standardising procedures and reducing friction, it aligns the banking system with real-world family scenarios – where legal heirs should not have to fight to access rightful funds.<\/p>\n\n\n\n
While the \u20b915 lakh threshold may seem modest, it covers a vast majority of savings and deposit accounts in India. Once finalised, this framework will bring consistency, transparency, and compassion to an area long burdened by red tape.<\/p>\n\n\n\n
Fintechs and banks alike should prepare early by updating processes, digitising claim workflows, and embedding nominee management seamlessly into customer journeys.<\/p>\n","protected":false},"excerpt":{"rendered":"The Reserve Bank of India (RBI) has proposed a simplified claim settlement process for deceased bank account holders…","protected":false},"author":3,"featured_media":662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[13],"tags":[57,56,16],"class_list":{"0":"post-292","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-rbi-guidelines","8":"tag-claim-settlement","9":"tag-deceased-accounts","10":"tag-rbi-guidelines","11":"cs-entry"},"yoast_head":"\n
RBI Eases Claim Settlement for Deceased Accounts | BeFiSc<\/title>\n<meta name=\"description\" content=\"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc\" \/>\n<meta property=\"og:description\" content=\"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/\" \/>\n<meta property=\"og:site_name\" content=\"BeFiSc\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-31T13:36:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-25T09:54:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/RBI-Eases-Claim-Settlement-for-Deceased-Accounts-up-to-\u20b915-Lakh.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2083\" \/>\n\t<meta property=\"og:image:height\" content=\"1090\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Shobhit Goyal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc\" \/>\n<meta name=\"twitter:description\" content=\"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/RBI-Eases-Claim-Settlement-for-Deceased-Accounts-up-to-\u20b915-Lakh.webp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shobhit Goyal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc","description":"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/","og_locale":"en_GB","og_type":"article","og_title":"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc","og_description":"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.","og_url":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/","og_site_name":"BeFiSc","article_published_time":"2025-10-31T13:36:28+00:00","article_modified_time":"2026-04-25T09:54:27+00:00","og_image":[{"width":2083,"height":1090,"url":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/RBI-Eases-Claim-Settlement-for-Deceased-Accounts-up-to-\u20b915-Lakh.webp","type":"image\/webp"}],"author":"Shobhit Goyal","twitter_card":"summary_large_image","twitter_title":"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc","twitter_description":"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.","twitter_image":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/RBI-Eases-Claim-Settlement-for-Deceased-Accounts-up-to-\u20b915-Lakh.webp","twitter_misc":{"Written by":"Shobhit Goyal","Estimated reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#article","isPartOf":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/"},"author":{"name":"Shobhit Goyal","@id":"https:\/\/web.befisc.com\/fintechsherlock\/#\/schema\/person\/8b2bd68e1f693488543699cf29559c71"},"headline":"RBI Eases Claim Settlement for Deceased Accounts up to \u20b915 Lakh","datePublished":"2025-10-31T13:36:28+00:00","dateModified":"2026-04-25T09:54:27+00:00","mainEntityOfPage":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/"},"wordCount":1171,"commentCount":0,"publisher":{"@id":"https:\/\/web.befisc.com\/fintechsherlock\/#organization"},"image":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/16.png","keywords":["Claim Settlement","Deceased Accounts","RBI Guidelines"],"articleSection":["RBI Guidelines"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/","url":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/","name":"RBI Eases Claim Settlement for Deceased Accounts | BeFiSc","isPartOf":{"@id":"https:\/\/web.befisc.com\/fintechsherlock\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#primaryimage"},"image":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#primaryimage"},"thumbnailUrl":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/16.png","datePublished":"2025-10-31T13:36:28+00:00","dateModified":"2026-04-25T09:54:27+00:00","description":"RBI\u2019s draft circular introduces a simpler process for banks to settle up to \u20b915 lakh from deceased accounts without nominees, easing the process for families.","breadcrumb":{"@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#primaryimage","url":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/16.png","contentUrl":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/07\/16.png","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/www.befisc.com\/fintechsherlock\/rbi-erases-claim-settlement-for-deceasedccounts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.befisc.com\/fintechsherlock\/"},{"@type":"ListItem","position":2,"name":"RBI Eases Claim Settlement for Deceased Accounts up to \u20b915 Lakh"}]},{"@type":"WebSite","@id":"https:\/\/web.befisc.com\/fintechsherlock\/#website","url":"https:\/\/web.befisc.com\/fintechsherlock\/","name":"BeFiSc","description":"Founder Articles","publisher":{"@id":"https:\/\/web.befisc.com\/fintechsherlock\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/web.befisc.com\/fintechsherlock\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/web.befisc.com\/fintechsherlock\/#organization","name":"BeFiSc","url":"https:\/\/web.befisc.com\/fintechsherlock\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/web.befisc.com\/fintechsherlock\/#\/schema\/logo\/image\/","url":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/06\/befiscsymbol.png","contentUrl":"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/06\/befiscsymbol.png","width":508,"height":120,"caption":"BeFiSc"},"image":{"@id":"https:\/\/web.befisc.com\/fintechsherlock\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/web.befisc.com\/fintechsherlock\/#\/schema\/person\/8b2bd68e1f693488543699cf29559c71","name":"Shobhit Goyal","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/225fd788091605fcd5de7d8f207cd1dd0f8184eba9ffad5368593e93eb3d2438?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/225fd788091605fcd5de7d8f207cd1dd0f8184eba9ffad5368593e93eb3d2438?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/225fd788091605fcd5de7d8f207cd1dd0f8184eba9ffad5368593e93eb3d2438?s=96&d=mm&r=g","caption":"Shobhit Goyal"},"url":"https:\/\/www.befisc.com\/fintechsherlock\/author\/shobhit\/"}]}},"_links":{"self":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/comments?post=292"}],"version-history":[{"count":1,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/292\/revisions"}],"predecessor-version":[{"id":297,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/292\/revisions\/297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/media\/662"}],"wp:attachment":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/media?parent=292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/categories?post=292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/tags?post=292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"Deceased](\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/Key-Highlights-1-1-1024x633.webp\")
<\/figure>\n\n\n\n![\"\"](\"https:\/\/www.befisc.com\/fintechsherlock\/wp-content\/uploads\/2025\/10\/How-it-Works-1024x353.webp\")
<\/figure>\n\n\n\n