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I also have two questions it's here: 1. Let's say I

provide conditional data that is identical to a specific application. What happens if I refuse to provide the data, since I was satisfied with the number of rewards I received. What does this mean for the demand side? After all, there can be 5, 10 applications in the channel at the same time. Does this create a single point of failure?

And wouldn't the API solution be better here, since the centralized source responds with its reputation, and in this case, the user is anonymous and unavailable, since the work goes through the protocol.

2. Explain in more detail about the subscriber's loan, why it is needed and to whom?

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I mean, first of all: Observers verify whether the accounting information provided by Brokers is correct. And...

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