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Fold's not the right tool for p2p, but it's an easy thing to replace your current credit/debit cards with for people who are looking for a place to start stacking.

I think they are planning to integrate lightning (again?) and that will be a huge improvement.

Now that they are public and their stock is under $1 they may feel pressured to get revenues up to showcase growth which will hopefully improve their stock price. Thus, I think lightning is far down the development roadmap.

The market thinks this business will go bankrupt.

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