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I haven't looked into UMA but it seems like it

is well liked with bigger names outside crypto. It a universal address for wallets? Again I don't know anything about UMA. CBDC wallets are centralized wallets tied to a form of ID in theory. Is a UMA just a less centralized form of a cbdc wallet?

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You should look into it!

https://www.google.com/search?q=uma+crypto&client=safari&sca_esv=2eb3f35e205b3be9&sca_upv=1&hl=en-us&sxsrf=ADLYWIL2KiXUy41aZ1bG3ahn9EpqJ3mIGw%3A1724890504922&ei=iL3PZv7JN5jckPIPwaWbuAU&oq=uma+crypto&gs_lp=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-8s&sclient=mobile-gws-wiz-serp

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