Fedimint will be enough for the planet. Tons of small, unregulated federations < 1000 users will be reasonable secure and way more distributed than the current banking system.

Normal users just want do download an app and start transacting, and this is a great solution without capturing them in a single regulated custodian.

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Thanks.

I'm going to have to study Fedimint (https://fedimint.org/) and Cashu (https://wallet.cashu.me/).