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If you don't wanna support fiat channels RGB assets and Taproot assets can be used to represent other things - they can be used for betting in prediction markets, they can represent DAO votes, they can also represent other crypto coins or they can represent Bitcoin options / futures .
Lightning network is stagnating, why not try pouring some tequila into the system ?!
https://postimg.cc/SnWPvDtk
Which part you do not understand ? stablecoins = fiat
https://postimg.cc/CzNsyQzk