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(And also, I don't understand why I'd ask another person to hold my bitcoin just so I can't get at it for some amount of time...)
This - this - this.....
If the hold point is because you don't trust yourself to hold your Bitcoin safely for 5 years...you probably should work on that...just another beautiful feature of Bitcoin as a bearer asset....he who holds it...controls it... and when you give that up to someone else?
Buyer beware
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timelock
generally implies that it is enforced by code, not something that can be reversed or changed by a human. As far as I can tell, the timelocks you use for piggy can be unlocked if piggy the company needs to unlock them.