I agree that it doesn't change the security model, and Bitrefill doesn't say that. In practice, however, disabling opt-in RBF has worked pretty well so far. Since this seems to be changing, we're actively discussing how to approach it going forward.

We're having small transactions only and can thus afford to be screwed (we're not quite there yet), which serves as a signal for us to adapt to a new environment.

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Thanks. One detail worth considering, is the spillover effect this message has on customers in their *other* bitcoin usage. They will be given the impression that disabling RBF is a requirement for safety, and dissuaded from its true economic value to them as a user.