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I believe the bitcoin is sent to a person's account on an exchange. Then, the person can take custody or sell it for fiat.

Interesting.
I thought they had a hack, how are they going to cover everyones balance?

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It's a long story. You can start with wikipedia:
https://en.wikipedia.org/wiki/Mt._Gox

This book has a good chapter about it:

https://www.amazon.com/Digital-Gold-Bitcoin-Millionaires-Reinvent/dp/006236250X

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Okay, I will give it a look see.

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