Identity & Authority: Lightyear – Signal Evidence & AI Readability

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                    "text": "<div><p>Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your  money.</p><p>Customer money always sits separately to our own and is held in Citibank, Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.</p><p>Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.</p><p>Read more about <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">how your assets are protected</a> in our help centre.</p></div>"
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                    "text": "<div><p><strong>Do you have cash reserves?:</strong> It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.</p><p><strong>Can you accept losses?:</strong> All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.\n<a href=\"https://lightyear.com/en-gb/risk-disclosures\">See explanations</a> of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.</p><p>Free, impartial guidance covering cash reserves, losses and more, is available at <a href=\"https://www.moneyhelper.org.uk\">MoneyHelper</a> & <a href=\"https://www.fca.org.uk/investsmart\">InvestSmart (FCA)</a> including: <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/investing-beginners-guide\">A beginners guide to investing</a>, <a href=\"https://www.fca.org.uk/investsmart/5-questions-ask-you-invest\">5 questions to ask before you invest</a>, <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/thinking-about-investing-make-sure-you-understand-the-risks\">Make sure you understand the risks</a>, <a href=\"https://www.fca.org.uk/investsmart/right-investment-you\">Is it the right investment for you</a>.</p></div>"
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                    "text": "<span>Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">(see here)</a>. With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.</span>"
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                    "text": "We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount."
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                    "text": "<div><p>Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw. Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the transfer time depends on the payout method:</p><ul><li>For GBP, your funds should typically arrive within 0-2 business hours.</li><li>For EUR, your funds should arrive within 0-2 business days.</li><li>For USD, your funds will arrive after 3-5 business days. As it's a <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/swift-payments\">SWIFT payment</a> it may take longer, so contact your receiving bank for an estimation.</li></ul></div>"
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                    "text": "<p>Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead.</p>"
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                "text": "<div><p>Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your  money.</p><p>Customer money always sits separately to our own and is held in Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.</p><p>Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.</p><p>Read more about <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">how your assets are protected</a> in our Help Centre, or review our <a href=\"https://lightyear.com/assets/document/20260127_ISA_STOCKS_KEY_INFORMATION_DOCUMENT_EN.pdf\">Stocks & Shares ISA Key Features Document</a>.</p></div>"
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                "@type": "Answer",
                "text": "<div><p><strong>Do you have cash reserves?:</strong> It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.</p><p><strong>Can you accept losses?:</strong> All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.\n<a href=\"https://lightyear.com/en-gb/risk-disclosures\">See explanations</a> of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.</p><p>Free, impartial guidance covering cash reserves, losses and more, is available at <a href=\"https://www.moneyhelper.org.uk\">MoneyHelper</a> & <a href=\"https://www.fca.org.uk/investsmart\">InvestSmart (FCA)</a> including: <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/investing-beginners-guide\">A beginners guide to investing</a>, <a href=\"https://www.fca.org.uk/investsmart/5-questions-ask-you-invest\">5 questions to ask before you invest</a>, <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/thinking-about-investing-make-sure-you-understand-the-risks\">Make sure you understand the risks</a>, <a href=\"https://www.fca.org.uk/investsmart/right-investment-you\">Is it the right investment for you</a>.</p></div>"
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                "text": "<span>Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">(see here)</a>. With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.</span>"
            }
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                "text": "We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount."
            }
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                "@type": "Answer",
                "text": "<div><p>Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw.</p><p>Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the money will typically land in your account in an hour or two.</p></div>"
            }
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            "@type": "Question",
            "name": "Do I need financial advice?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead."
            }
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            "@type": "Question",
            "name": "Who can open a business account?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>Our UK business accounts are here for:</p><p>All limited companies registered in the UK that meet our <a href=\"/en-gb/terms-business\">required terms of service</a> / operate in a non-high risk industry.</p><p>If you have more than one business, you can open multiple business accounts with us.</p></div>"
            }
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        {
            "@type": "Question",
            "name": "How do I open a business account?",
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                "text": "<div><p>It’s super quick and easy to open up a business account.</p><p>All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app.</p><p>Just jump into the app, navigate to your profile from the top left corner, and you're there. If you don’t currently have a personal account with Lightyear, you’ll need to set that up first. See <a href=\"/en-gb/help/getting-verified/opening-an-account\">Opening an account</a>.</p></div>"
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                "text": "<div><p>It’s free to open up a business account! We also don’t charge any custody or monthly fees.</p><p>All you need to have at hand is your LEI code. If you don’t have an LEI code yet, you can generate one right in the Lightyear app for £40 + VAT.</p><p>Investing through a business is low-cost but pricing varies from your personal account.</p><p>Check out our full pricing information <a href=\"/en-gb/pricing\">here</a>.</p></div>"
            }
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            "@type": "Question",
            "name": "Can I claim US tax treaty benefits?",
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                "@type": "Answer",
                "text": "<div><p>You can claim US tax treaty benefits, but it’s optional. Uploading a W-8BEN-E allows you to reduce the tax you pay on dividends from US instruments, but there’s no benefit to that if you:</p><ul><li>Invest in non-US instruments</li><li>Invest in non dividend paying US stocks</li><li>Hold & convert cash</li></ul><p>We fill in the W-8BEN-E form for you automatically. All you need to do is answer a few questions in the app, and we’ll generate the PDF form for you right there.</p><p>Please note that tax treatment depends on individual circumstances and is subject to change in the future.</p></div>"
            }
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        {
            "@type": "Question",
            "name": "Why do I need a Legal Entity Identifier (LEI)?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>A Legal Entity Identifier, also known as an LEI, uniquely identifies your business. It's required by law for businesses trading stocks in Europe.</p><p>If you’ve already registered an LEI  — we’ll find it for you during onboarding, all you need to do is confirm the details.</p><p>If you don’t yet have an LEI, you can generate one within the Lightyear app for £42.50 + VAT.</p></div>"
            }
        },
        {
            "@type": "Question",
            "name": "What should I keep in mind when investing?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>When depositing your business funds to your business account, while making sure your money is working hard for you and your business, please take care with it too</p><ul><li>Don't invest money that you need to operate the business day-to-day</li><li>Always make sure you have operational cash in an FSCS protected account</li></ul><p>We're here to help you invest and grow any excess business capital you have, but remember that capital is still at risk when it's invested</p></div>"
            }
        }
    ]
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                    "text": "<div><p>Trusting us with your money is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your  money.</p><p>Customer money always sits separately to our own and is held in Citibank, Natwest and Qualifying Money Market Funds. There’s no way for creditors - in the unlikely event of anything happening to Lightyear - to get hold of the investments or cash that you hold with us.</p><p>Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. FSCS protection applies to client money only where held with Banks, not where held in QMMFs.</p><p>Read more about <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">how your assets are protected</a> in our help centre.</p></div>"
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                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<div><p><strong>Do you have cash reserves?:</strong> It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.</p><p><strong>Can you accept losses?:</strong> All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose.\n<a href=\"https://lightyear.com/en-gb/risk-disclosures\">See explanations</a> of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.</p><p>Free, impartial guidance covering cash reserves, losses and more, is available at <a href=\"https://www.moneyhelper.org.uk\">MoneyHelper</a> & <a href=\"https://www.fca.org.uk/investsmart\">InvestSmart (FCA)</a> including: <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/investing-beginners-guide\">A beginners guide to investing</a>, <a href=\"https://www.fca.org.uk/investsmart/5-questions-ask-you-invest\">5 questions to ask before you invest</a>, <a href=\"https://www.moneyhelper.org.uk/en/savings/investing/thinking-about-investing-make-sure-you-understand-the-risks\">Make sure you understand the risks</a>, <a href=\"https://www.fca.org.uk/investsmart/right-investment-you\">Is it the right investment for you</a>.</p></div>"
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                "@type": "Question",
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                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<span>Lightyear is not a bank. We’re an investment platform, so there are a couple of key differences. While we’re regulated by the same authorities as banks, the protection schemes are slightly different for investment platforms <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected\">(see here)</a>. With regards to customer funds, we cannot use customer money in the same way a bank does by lending it out. You have instant access to your Lightyear assets because of this.</span>"
                }
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                "name": "Why are your fees so reasonable? How do you make enough money?",
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                    "@type": "Answer",
                    "text": "We couldn’t agree more - our fees are very reasonable. We’re one of the most competitively priced investment platforms on the market and that's how we like it. Low cost, transparent pricing is in our DNA. We charge small, but fair, execution fees and take a fee for both foreign exchange and interest payments. Building a sustainable business that’s here to serve customers in 10, 20 and 100 years is something that’s paramount."
                }
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                "@type": "Question",
                "name": "How easy is it to withdraw my money?",
                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<div><p>Easy. We ensure you always have access to your money and we've made the process pretty painless for when you need to withdraw. Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the transfer time depends on the payout method:</p><ul><li>For GBP, your funds should typically arrive within 0-2 business hours.</li><li>For EUR, your funds should arrive within 0-2 business days.</li><li>For USD, your funds will arrive after 3-5 business days. As it's a <a href=\"/en-gb/help/deposits-conversions-and-withdrawals/swift-payments\">SWIFT payment</a> it may take longer, so contact your receiving bank for an estimation.</li></ul></div>"
                }
            },
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                "@type": "Question",
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                "acceptedAnswer": {
                    "@type": "Answer",
                    "text": "<p>Lightyear doesn't offer investment advice; i.e. we don't assess if our services or instruments are suitable for you. But we do provide info about what we offer – e.g. our Target Market Matrix which describes investor types based on their investment experience, financial objectives and how much risk they're comfortable with – to help you decide what investments might work best for you. You'll need to make sure your investment decisions meet your needs and amount of investment risk you're happy to take. If you don't feel you have the necessary knowledge and experience to make those decisions for yourself, you may want to get independent financial advice instead.</p>"
                }
            }
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    }
]

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    "mainEntity": [
        {
            "@type": "Question",
            "name": "Are there fees?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>The rate shown (<strong>3.78% AER</strong>) is what you get after the fee of 0.20%, compounded monthly over a year. The fund’s current 1-day yield is 3.92%.</p><p>3.92% - 0.20% fees = 3.72% (<strong>3.78%</strong> when compounded).</p></div>"
            }
        },
        {
            "@type": "Question",
            "name": "What is a Money Market Fund?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>A Money Market Fund is a low-risk investment that aims to give you a slightly higher return than cash. Unlike most funds that invest in bonds or shares, it invests in short-term debt.</p><p>This short-term debt is bought from by governments, banks and companies with strong balance sheets and high credit ratings. In exchange, they pay interest to the fund.</p><p>Lightyear Vaults allows you to invest in Money Market Funds. As with all investments, the value can go up as well as down. The yield generated by these funds changes daily and may also move in an unfavourable direction.</p><p>The prospectuses and Key Information Documents of these funds are available in our app and website, and on BlackRock’s website.</p></div>"
            }
        },
        {
            "@type": "Question",
            "name": "Who are BlackRock?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "BlackRock is the world’s largest asset manager, with over $10 trillion managed for people and businesses across the world. "
            }
        },
        {
            "@type": "Question",
            "name": "What countries are Vaults available in?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>Lightyear Vaults are available in Austria, Denmark, Estonia, Finland, France, Germany, Hungary, Italy, Latvia, Lithuania (EUR only), Luxembourg, Netherlands, Spain, Sweden, and the UK.</p><p>They are not currently available in Belgium, Bulgaria, Croatia, Cyprus, Greece, Ireland, Malta, Portugal, Slovakia and Slovenia.</p></div>"
            }
        }
    ]
}

{
    "@context": "https://schema.org",
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    "mainEntity": [
        {
            "@type": "Question",
            "name": "Fees and taxes",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>Our approach to fees is simple. We believe in:</p><ul><li>Radical transparency: We’ll always be upfront with any associated charges. We also want to ensure that we charge the smallest amount possible fairly, so if you place an order where the fees will account for 5% or more of its total value, you’ll be presented with a pop-up in the Lightyear app for you to confirm this.</li><li>Honest pricing: Our fees are a combination of covering the costs associated with the service plus a small am"
            }
        },
        {
            "@type": "Question",
            "name": "How are my assets protected?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p><em>NB! The protections mentioned in this article do not cover poor investment performance. It’s important to always remember that markets may go up or down, so you should never invest more than you can afford to lose.</em></p><h2 id=\"how-does-lightyear-protect-my-cash-and-investments\">How does Lightyear protect my Cash and Investments?</h2><p>Trusting us with your investments is not something we take for granted. Lightyear UK Ltd is an FCA-authorised and regulated investment firm and as"
            }
        },
        {
            "@type": "Question",
            "name": "What is Lightyear?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>Lightyear is a simple and approachable way to invest your money globally without unnecessary barriers or fees. We make investing approachable with a simple and easy to use app.</p><p>What problems are you solving?</p><ul><li>Expensive and opaque fee structures: Traditional players often have hidden and high cost fees</li><li>Limited access to markets: Local brokers often offer bad access to global markets</li><li>Limited information and education: Typically lacking or hard to understand<"
            }
        },
        {
            "@type": "Question",
            "name": "What services do you offer and where?",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>Whether you're looking for an account for yourself or your business, we’ve got you covered:</p><ul><li><a href=\"/en-gb\">Personal accounts</a> are available to individuals aged 18+ who reside in <a href=\"/en-gb/help/getting-verified/what-services-do-you-offer-and-who-is-eligible\">countries</a> where we’re authorised to offer our services.</li><li><a href=\"/en-gb/business\">Business accounts</a> are available in most of the countries where personal accounts are offered. To open a busin"
            }
        },
        {
            "@type": "Question",
            "name": "Withdrawals",
            "acceptedAnswer": {
                "@type": "Answer",
                "text": "<div><p>We only send your (or your <a href=\"/en-gb/help/business/can-i-open-a-business-account\">business'</a>) funds to a bank account in the name of the Lightyear account holder.</p><h2 id=\"how-to-withdraw-funds-in-the-app\">How to withdraw funds in the app?</h2><ul><li>If you already have a withdrawal account set up, simply tap on the “Withdraw” button in the Portfolio tab or in the corresponding currency cash balance and place a withdrawal request.</li><li><strong>To withdraw GBP</strong>"
            }
        }
    ],
    "_truncated": true,
    "_original_size": 13563
}