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So, what's interesting here is this guy is making some true points but also fallacies, which end up being debated instead of the valid points. Should I tell him? 😂
No I didn't. Stick to the facts 😂
I didn't wanna butt in, but I thought he was making sense in this instance. Requiring all 3 xpubs isn't a risk (ignoring privacy) since they can be shared. Maybe I missed something.