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Last week two Bulgarian banks announced crypto for 2027. Today German Sparkassen went live, and the headline sounds bigger than the product. A handful of savings banks start now, 30 to 40 more join each month. Keys sit in one DekaBank omnibus wallet, and you can only withdraw to approved crypto providers, so not to your own Ledger or Xaman. €0.99 per order plus spread. No advice, and the bank warns customers about total loss. Easy door, locked from the inside. First step toward self custody, or a replacement for it?

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