we are working on a proof of reserves lending product

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bill/pay customers would love seeing that as well 🙏

So excited for this Jack. I heard you say on your pod with Danny that you plan to isolate UTXOs by individual lender. This could be a profound game changer for Bitcoiners in jurisdictions where a change in ‘beneficial ownership’ (as supposedly happens when funds are pooled. Even if the funds are not rehypothecated) triggers a CGT event.

good question