Can you give me an example question you would ask a new person onboarding to this wallet?

Wallet would start with third party custodian, with a method to transition away from third party once certain conditions are met.

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No question. Load the app, give a welcome message, give a notice (where/how funds are held with a link to learn more), then straight to send/receive screen.

You're going to have some issues with government regulation if you're going this route however, stay anon or if you're incorporated somewhere, you'll need to keep transactions under 1k USD. Most likely.