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At some point in the future, I hope we'll have zk utxo-set checkpoints, optionally pruned to crop dust. Then we can get back to building better money.
I don't think checkpoints are desirable at all -- even if they are zk encoded. I'm not sure what zk encoding actually provides here, the UTXO set is public and derivable entirely from public data.
Checkpoints are a point of centralization. Who is generating the set and proof? Under who's opinion is any transaction dust?
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