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I am thinking of getting one for btc cash back! Any recommendations? Do i need to set up a certain wallet? Please let me know your experience!

I use Gemini. straight-forward and I had no issues with them.

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I see… do you have to use their wallet and link it to your card?

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You have to have a KYC account with the exchange, but once the cash back hits $50, it goes through to my KYC desktop wallet that I use to open lighting channels

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