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My bank XAPO talks about send USD using UMA but doesn’t explain how. I’m guessing it’s just regular lightning, converted on the fly at both ends to USD. I’m not aware of any USDT integration into Bitcoin outside of Liquid.
Xapo looks and sounds great, up until you get to the KYC rubbish... They insert a giant microscope up your nether regions and probe all the details...😳 Maybe OK by some, but...🤮