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> What exactly do you believe is the point of a crypto wallet?

For 99% of users? Speculative investment into pump-and-dump schemes.



Lots of people use wallets to interact with defi, but I'm not sure if that would count as a 'payment' in the EU.


Offline storage of private keys is one thing. If you want offramp crypto for FIAT you send it too a centrale exchange which has a KYC process (so not anonymous) from the wallet. The mantra "not your keys, not your coins" is related to this.




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