I can't still figure out what this all thing means

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Think of cowboy credits as a gift card for stacker news only

I assume they're doing this to avoid any custodial liabilities in the future.

Thanks,

cowboy credits, huh,

I don't like this 🧐

I don't either, but its a great way to remove SN from being called a "bank" or "exchange" or "custodial wallet holding users' funds"

Legal protection tbh

I see, and that is not a good projected future

if websites have to be afraid to be considered 'bank'