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How is it central? Why not just pay for the

service in fiat?

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There's more to a service than how it's paid for. QNT is at the core of Overledger. Don't take my word for it. Plenty of comments in this very channel from the CEO himself on this if you want to search them out.

You cannot use the software without locking QNT, be it by yourself or someone else that does it for you

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