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Regarding these "new" loan products, they don't seem to me to be fundamentally different or innovative, except perhaps for proof of reserves.
yeah agreed. I have heard of an exchange called firefish, where funds are locked onchain on a multisig instead of it being 100% custodial, but beyond that it looks like the same old idea of trading bitcoin with leverage.
For some reason it has become again the new popular thing to do.
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