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The thing is: why do you need a loan?
Just stack sats and when you really need to spend, just use BTC. That's it.
Bitcoin is teaching people to SAVE, not to spend.
Fiat / stableshitcoin are teaching people to spend and be in forever debt.
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That's point! :)
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I've already tested Fuji, and today they're on the mainnet, even though I don't trust a sidechain. But I don't recommend any stablecoins or loans etc. The only thing I recommend is Bitcoin and LN