Effective for the reserve maintenance period beginning March 26, 2020, the 10 percent required reserve ratio against net transaction deposits above the low reserve tranche (32.4 million USD as of 1/1/2022) level was reduced to 0 percent, the 3 percent required reserve ratio against net transaction deposits in the low reserve tranche (640.6 million USD as of 1/1/2022) was reduced to 0 percent.