{"id":975,"date":"2026-08-01T03:48:50","date_gmt":"2026-07-31T22:18:50","guid":{"rendered":"https:\/\/blog.xpat.money\/?p=975"},"modified":"2026-08-01T03:48:50","modified_gmt":"2026-07-31T22:18:50","slug":"why-exchange-rate-margins-matter-more-than-transfer-fees-when-you-send-money-to-india-from-usa","status":"publish","type":"post","link":"https:\/\/blog.xpat.money\/why-exchange-rate-margins-matter-more-than-transfer-fees-when-you-send-money-to-india-from-usa\/","title":{"rendered":"Why Exchange Rate Margins Matter More Than Transfer Fees When You Send Money to India from USA"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">When you <\/span>send money to India from USA<span style=\"font-weight: 400;\">, most people compare transfer fees first. A service advertising <\/span>$0 transfer fee<span style=\"font-weight: 400;\">\u00a0immediately grabs attention, making it seem like the cheapest option.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">But here&#8217;s what many NRIs and international money senders don&#8217;t realize:<\/span><\/p>\n<p style=\"text-align: justify;\"><b>The biggest cost isn&#8217;t always the transfer fee it&#8217;s often the exchange rate margin.<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Even if a provider charges zero transfer fees, they may offer a weaker USD to INR exchange rate, causing you to receive significantly fewer Indian Rupees.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Understanding exchange rate margins can help you save thousands of rupees every year when making regular <\/span><a href=\"https:\/\/xpat.money\/send-money-to-india-from-usa\" target=\"_blank\" rel=\"noopener\"><b>money transfer from USA to India<\/b><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this guide, we&#8217;ll explain:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What exchange rate margins are<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why they matter more than transfer fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How they affect your total transfer value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How to choose the right provider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Why <\/span><b>Xpat.money<\/b><span style=\"font-weight: 400;\"> helps maximize every transfer<\/span><\/li>\n<\/ul>\n<h1><b>What Is an Exchange Rate Margin?<\/b><\/h1>\n<p><span style=\"font-weight: 400;\">The exchange rate you see on Google is called the <\/span><b>mid-market rate<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example: <\/span><b>1 USD = \u20b989.00<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, most money transfer companies don&#8217;t use this rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, they offer something like: <\/span><b>1 USD = \u20b987.80<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The difference between these two rates is called the <\/span><b>exchange rate margin<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although it looks small, this difference can cost you far more than a visible transfer fee.<\/span><\/p>\n<h1><b>Exchange Rate Margin vs Transfer Fee<\/b><\/h1>\n<p><span style=\"font-weight: 400;\">Let&#8217;s compare two services.<\/span><\/p>\n<h3><b>Provider A<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer Fee: <\/span><b>$0<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exchange Rate: <\/span><b>\u20b987.80<\/b><\/li>\n<\/ul>\n<h3><b>Provider B<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer Fee: <\/span><b>$5<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exchange Rate: <\/span><b>\u20b989.00<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Suppose you&#8217;re sending <\/span><b>$2,000<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Provider A<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">2000 \u00d7 87.80<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= <\/span><b>\u20b9175,600<\/b><\/p>\n<h3><b>Provider B<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">After paying $5:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1995 \u00d7 89.00<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= <\/span><b>\u20b9177,555<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Despite paying a transfer fee, Provider B delivers:<\/span><\/p>\n<p><b>\u20b91,955 more<\/b><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s why focusing only on transfer fees can be misleading.<\/span><\/p>\n<h2><b>Why Companies Hide Costs in Exchange Rates<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Transfer fees are easy to compare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exchange rate margins are not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s why many providers advertise:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zero Fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free Transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Commission<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While quietly earning money through weaker exchange rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their profit is built into the currency conversion rather than shown as a separate charge.<\/span><\/p>\n<h2><b>Why Exchange Rate Margins Have a Bigger Impact<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Let&#8217;s see how much you lose with just a \u20b91 difference.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Transfer Amount:<\/span><\/p>\n<p><b>$5,000<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Good Rate:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u20b989.00<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Poor Rate:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u20b988.00<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Difference:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5000 \u00d7 1<\/span><\/p>\n<p><span style=\"font-weight: 400;\">= <\/span><b>\u20b95,000<\/b><\/p>\n<p><span style=\"font-weight: 400;\">That single rupee difference costs:<\/span><\/p>\n<p><b>\u20b95,000<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Most transfer fees are nowhere near this amount.<\/span><\/p>\n<h2><b>Regular Transfers Multiply the Loss<\/b><\/h2>\n<p><strong>Many NRIs send money every month for:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parents&#8217; expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home loan EMIs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical costs<\/span><\/li>\n<\/ul>\n<p><strong>Imagine transferring:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">$3,000 every month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your provider gives a rate that&#8217;s only \u20b90.80 lower:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Loss each month:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u20b92,400<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yearly loss:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u20b928,800<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Over five years:<\/span><\/p>\n<p><b>\u20b9144,000<\/b><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s a substantial amount lost solely due to exchange rate margins.<\/span><\/p>\n<h2><strong>Hidden Charges Beyond Transfer Fees<\/strong><\/h2>\n<p><strong>Many services also include:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exchange rate markups<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processing charges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank intermediary fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receiving bank deductions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SWIFT fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Currency conversion costs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Always review the total amount your recipient will receive\u2014not just the advertised fee.<\/span><\/p>\n<h2><b>What Should You Compare Instead?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before making any <\/span><b>money transfer from USA to India<\/b><span style=\"font-weight: 400;\">, compare:<\/span><\/p>\n<h2><b>1. Exchange Rate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This has the biggest impact.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even a small improvement can save thousands of rupees.<\/span><\/p>\n<h2><b>2. Total INR Received<\/b><\/h2>\n<p><strong>Instead of asking:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;What&#8217;s the transfer fee?&#8221;<\/span><\/p>\n<p><strong>Ask:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;How many rupees will my family receive?&#8221;<\/span><\/p>\n<h2><b>3. Transfer Speed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Some providers deliver:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Same-day transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Next-business-day transfers<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Choose the option that matches your urgency.<\/span><\/p>\n<h2><b>4. Transparency<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A trustworthy provider clearly shows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exchange rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Final INR amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estimated delivery time<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No hidden surprises.<\/span><\/p>\n<h2><b>5. Security<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Ensure the platform offers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong encryption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulatory compliance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Secure banking partners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraud protection<\/span><\/li>\n<\/ul>\n<h2><b>Why Many People Focus on the Wrong Metric<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Consumers naturally compare visible prices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Transfer fees are obvious.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exchange rate margins are hidden.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This psychological bias leads many users to choose a provider with &#8220;free transfers&#8221; while unknowingly losing more through unfavorable exchange rates.<\/span><\/p>\n<h2><b>How Xpat.money Helps You Save More<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When you <\/span><a href=\"https:\/\/xpat.money\/auth\/register?referredBy=FC1UK\" target=\"_blank\" rel=\"noopener\"><b>send money to India from USA<\/b><\/a><span style=\"font-weight: 400;\"> with <\/span>Xpat.money<span style=\"font-weight: 400;\">, the focus isn&#8217;t just on low fees\u2014it&#8217;s on maximizing the amount your recipient receives.<\/span><\/p>\n<p><strong>Key benefits include:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Competitive USD to INR exchange rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transparent pricing with no hidden surprises<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fast and secure transfers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Simple digital onboarding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">User-friendly experience designed for NRIs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reliable customer support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Secure transactions with trusted banking infrastructure<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Instead of focusing only on transfer fees, <\/span>Xpat.money<span style=\"font-weight: 400;\"> prioritizes delivering better overall value for every transfer.<\/span><\/p>\n<h2><b>Who Benefits Most?<\/b><\/h2>\n<p><strong>Understanding exchange rate margins is especially important for:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NRIs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indian professionals working in the USA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Students supporting family<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business owners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parents paying tuition<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals making recurring remittances<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The more frequently you transfer money, the more valuable a competitive exchange rate becomes.<\/span><\/p>\n<h2><b>Smart Tips Before Every Transfer<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before you initiate a <\/span><a href=\"https:\/\/xpat.money\/blogs\" target=\"_blank\" rel=\"noopener\"><b>money transfer from USA to India<\/b><\/a><span style=\"font-weight: 400;\">, follow these best practices:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare the exchange rate\u2014not just the fee.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check the final INR amount your recipient will receive.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review any additional charges.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitor USD to INR market trends.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use providers that are transparent about pricing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule transfers when exchange rates are favorable, if possible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose a trusted platform with a strong reputation for reliability.<\/span><\/li>\n<\/ul>\n<h2><b>Common Myths About International Money Transfers<\/b><\/h2>\n<h3><b>Myth 1: Zero Transfer Fee Means Cheapest<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Not always. A poor exchange rate can cost much more than a visible fee.<\/span><\/p>\n<h3><b>Myth 2: All Providers Offer Similar Exchange Rates<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Exchange rates can vary significantly between providers, affecting the final amount received.<\/span><\/p>\n<h3><b>Myth 3: Banks Always Offer the Best Rates<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Traditional banks may charge higher fees or provide less competitive exchange rates than specialized digital remittance platforms.<\/span><\/p>\n<h2><b>Final Thoughts<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When you <\/span><b>send money to India from USA<\/b><span style=\"font-weight: 400;\">, don&#8217;t let a &#8220;zero fee&#8221; advertisement be your only deciding factor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/xpat.money\/auth\/login\" target=\"_blank\" rel=\"noopener\"><b>exchange rate margin<\/b><\/a><span style=\"font-weight: 400;\"> often has a much greater impact on the total value of your transfer than the transfer fee itself.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By comparing the total amount your recipient receives, evaluating exchange rates, and choosing a transparent provider like <\/span><b>Xpat.money<\/b><span style=\"font-weight: 400;\">, you can make smarter financial decisions and ensure more of your hard-earned money reaches your loved ones.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re sending money monthly or occasionally, paying attention to exchange rate margins can lead to substantial savings over time.<\/span><\/p>\n<h2><b>Frequently Asked Questions (FAQs)<\/b><\/h2>\n<h3><b>1. What is an exchange rate margin?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">An exchange rate margin is the difference between the mid-market exchange rate and the rate offered by a money transfer provider. This difference is often how providers generate revenue.<\/span><\/p>\n<h3><b>2. Is a zero transfer fee always the cheapest option?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No. A provider with a zero transfer fee may offer a less favorable exchange rate, resulting in your recipient receiving fewer Indian Rupees.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you send money to India from USA, most people compare transfer fees first. A service advertising $0 transfer fee\u00a0immediately grabs attention, making it seem&#8230;<\/p>\n","protected":false},"author":259664278,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1369],"tags":[],"class_list":["post-975","post","type-post","status-publish","format-standard","hentry","category-send-money-from-usa-to-india"],"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgeMA8-fJ","jetpack-related-posts":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/posts\/975","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/users\/259664278"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/comments?post=975"}],"version-history":[{"count":3,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/posts\/975\/revisions"}],"predecessor-version":[{"id":978,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/posts\/975\/revisions\/978"}],"wp:attachment":[{"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/media?parent=975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/categories?post=975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.xpat.money\/wp-json\/wp\/v2\/tags?post=975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}