yeah btc/usd. if cryptographically locked then they sound fine but I mean a truly p2p run your own node type deal with open loan market I've not seen floating around. unless I've missed it
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I don’t have the confidence to engage in such a contract involving time locks, multisig 2 of 2, plus checking USDT refunds, etc…
It would be nice, but for now I could do with the 2 of 3 model kind with a 3rd one as a service