j"19HxigV4QyBv3tHpQVcUEQyq1pzZVdoAutLåSchemes such as segregated witness allow for the introduction of fractional reserve systems into bitcoin. With these, the velocity of the system is lowered and bitcoin becomes a pure settlement system such as Swift.
Craig. S. W.
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https://whatsonchain.com/tx/295c71f67dbcfa1992bbde4ff61dd6762db3bfdf8313bbb27c515d72bb633cae