None of this is secret. Fountain is a custodial app tied into permissionless networks. Will be even better when more open source apps catch up to the concepts being pioneered by fountain. None of this warrants building a network on a decentralized protocol backed up by a shitcoin when there are obviously solutions that can be provided by combining bitcoin and other cryptographic networks.
This is just purity testing innovation. It’s not like there is some dead end here…
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anybody can build a closed source custodial bank dude
don't get confused