Ramp, builder of crypto payment rails, raises $70M

The company is building payment rails that could make crypto purchases as ubiquitous as Paypal transactions.

Crypto-focused fintech company Ramp has raised $70 million in venture capital, upping its pledge to continue building a unified payment experience for digital assets. 

The Series B investment round was co-led by venture firms Mubadala Capital and Korelya Capital, Ramp disclosed Wednesday. As reported by Cointelegraph, Ramp raised $53 million in a Series A funding round that closed in December 2021, bringing its total capital raise to roughly $123 million.

Ramp’s management said the new funds would go toward improving its product line, expanding into new locations and increasing the number of fiat currencies and payment methods offered.

Ramp’s primary customers are businesses and blockchain protocols that want to offer users a more streamlined experience when transacting with cryptocurrencies. Ramp provides a non-custodial, full-stack payment infrastructure that, when deployed, lets users buy crypto assets inside decentralized applications and websites. The company likens its services to Paypal and Stripe in that companies can use Ramp to offer users a “unified purchase experience” across e-commerce platforms.

Crypto payments infrastructure is considered vital to support the emergence of Web3, a broad umbrella term that describes some future iteration of the internet that encompasses the value of decentralization. Many within the blockchain community believe that unlocking the power of crypto payments is necessary to promote mass adoption of the underlying technology.

Related: Web3 must bridge back into Web2 for real cash flows — VP

Venture capital continues to support projects building payment rails that connect crypto with the broader financial system. Although venture funding has declined in the second half of the year due to the bear market, 2022 has been a record year for funding deals.


Not just FTX Token: Solana price nukes 40% along with other ‘Sam coins’

Cryptocurrencies exposed to Sam Bankman-Fried and his companies, Alameda Research and FTX, have dropped by an average of 40% this week.

Solana (SOL) is on the track to log its worst daily performance on record.

On Nov. 9, SOL’s price dropped more than 40% to around $16 primarily due to its association with Sam Bankman-Fried, the founder of crypto-focused hedge fund Alameda Research and cryptocurrency exchange FTX.

SOL/USD daily price chart. Source: TradingView

Sam tokens get ‘fried’

Fried was an early investor in the Solana blockchain project via Alameda Research. On Nov. 8, the entrepreneur’s estimated wealth plunged from a whopping $15.6 billion to around $1 billion, according to Bloomberg Billionaires Index.

At the core of this wipeout was a near-collapse of FTX. On Nov. 6, Binance, FTX’s rival exchange and early investor decided to sell its $2 billion stake, which it was holding in the form of FTX’s native token, (FTT). In response, FTT’s price crashed by over 85% and was trading for around $3.60 as of Nov. 9.

Alameda Research’s balance sheet reportedly was worth around $12 billion as of June 30, out of which half was FTT. The firm allegedly had $8 billion in liabilities on the same day, raising speculation about its potential insolvency after FTT’s massive crash.

$FTT is the new Luna. Not buying the dip this time…

— KSICRYPTO (@ksicrypto) November 8, 2022

In result, this has increased downward pressure on cryptocurrencies with exposure to Alameda Research, FTX, and Bankman-Fried, or so-called “Sam coins.”

Related: Alameda on the radar of BitDAO community for alleged dump of BIT tokens

SOL’s price has plunged by more than 55% since Binance decided to dump its FTT reserves. Similarly, Serum (SRM), a decentralized exchange asset functioning atop the Solana blockchain, crashed by 55% in the same period.

SRM/USD daily price chart. Source: TradingView

Ren, a decentralized custodian project, also witnessed a 33% drop in the valuation of its native token, REN, after Binance’s announcement of intent to sell FTT.

Overall, Sam tokens, including Raydium (RAY), Bonfida (FIDA), and Maps (MAPS), have dropped by an average of 40% since Nov. 6.

Still hope for Solana?

Meanwhile,  18.77 million SOL tokens (~$330 million ) will be unstaked and enter circulation on Nov. 10, according to lending data collected by Lookonchain. This may further put downward pressure on SOL’s price.

1/ A total of 18,775,348 $SOL ($330M) will hit the market after 23 hours.

In Epoch 370, 18.77M $SOL has been unstaked.

When Epoch 370 is over, 18.77M $SOL can be withdrawn and sold to the market.

— Lookonchain (@lookonchain) November 9, 2022

From a technical perspective, SOL could drop toward $14.30 after entering the breakdown stage of its descending triangle pattern, as shown in the chart below. In other words, a 25% plunge from current prices.

SOL/USD daily price chart. Source: TradingView

Conversely, Solana token’s daily relative strength index has dropped below 30, or “oversold,” which hints at a potential sideways consolidation or short-term price bounce toward the triangle’s lower trendline at $30 in the coming days.

The views and opinions expressed here are solely those of the author and do not necessarily reflect the views of Every investment and trading move involves risk, you should conduct your own research when making a decision.


Meta joins big tech layoffs, lets go of 11,000 employees

The Facebook parent company announced it will let go of approx. 13% of its current workforce in the first mass layoff in the company’s history.

The Facebook parent company Meta announced that about 13% of its current workforce has been cut in the first mass layoff in the company’s history.

In a letter to his employees, Meta CEO Mark Zuckerberg announced the layoffs and also reiterated that the hiring freeze, which began earlier this year, will be extended into the first fiscal quarter of next year. 

According to the statement published through Meta’s newsroom, the layoffs terminated 11,000 jobs. The initial rumors of layoffs emerged over the weekend on Nov. 6 via Wall Street Journal report from inside sources. 

Zuckerberg says he takes full responsibility for the layoffs, which were caused by soaring costs and a recent collapse of its share price.

“I got this wrong, and I take responsibility for that.”

The CEO also said his over-investment in certain areas, along with “the macroeconomic downturn, increased competition, and ads signal loss,” led to lower-than-expected revenue.

Related: Facebook became Meta one year ago: Here’s what it’s achieved

This news comes after startling reports released by Meta on Oct. 26, which revealed billions in losses in its metaverse development branch. Reality Labs, the metaverse R&D department, posted a $3.67 billion loss for Q3.

During the same quarter, the business only made a revenue of $285 million, which is its lowest on record within the given timeframe. The news startled company shareholders and raised concerns over Meta’s metaverse prospects.

Meta is not the only big-tech company going through mass layoffs.

After Elon Musk acquired Twitter for over $44 billion, the social media company underwent a series of layoffs itself. Allegedly the layoffs began Nov.4, with speculations that Musk will layoff nearly 50% of the company’s 7,500 person workforce.

As a response, employees launched a class action lawsuit against Musk which says he ignored a law that restricts mass layoffs from big companies without at least 60 days of prior warning.


Bitcoin and crypto here to stay despite market turmoil: Community

A Twitter user argued that the FTX crisis was only a black swan event that only its executives and a few others could have seen coming.

Despite crypto markets being on a downturn, members of the community have expressed their undying faith that Bitcoin (BTC) and crypto are here to stay. 

Even with the FTX and Alameda Research debacle highlighting issues within the crypto market, a community member urged others not to be stressed. The Twitter user argued that the crisis was only a black swan event that only FTX CEO Sam Bankman-Fried (SBF), Binance CEO Changpeng Zhao and a few others could have seen coming. The community member believes that despite this, crypto is still here to stay.

While the current state of the market left people feeling burned out, some remain hopeful and reaffirm their love for crypto. A community member tweeted:

F..k the dump & all the fud. I love #Crypto. It is here to stay.

— $SHIB KNIGHT (@army_shiba) November 9, 2022

Meanwhile, crypto analyst Michaël van de Poppe also shared his thoughts on the crypto market’s trajectory. According to Van de Poppe, things will be better moving forward. Citing Mt. Gox, Luna and FTX, the analyst highlighted that errors have to be made in order to improve the system. “It might feel like we’re on the edge of collapsing crypto entirely, but Bitcoin and crypto are here to stay,” he wrote. 

Related: FTX-Binance standoff highlights the need for clear rules — Sen. Lummis

With fears of a contagion plaguing the crypto market because of the recent FTX and Alameda debacle, executives from prominent crypto firms have assured their users that have no exposure to the troubled firms. Tether chief technology officer Paolo Ardoino, Circle CEO Jeremy Allaire and Coinbase exchange CEO Brian Armstrong all took to Twitter to dispel any FUD that are surfacing amid the FTX crisis.

On Nov. 8, Binance and FTX announced that the firms will perform a strategic transaction that aims to help FTX with what Zhao described as a “significant liquidity crunch.” The Binance CEO also expressed the company’s intent to fully acquire FTX and help cover the liquidity issues.


Consciousness of people on the verge of life and death has been studied

An international team of scientists studied the experiences of people who were on the verge of life and death. The results, according to Medical Xpress, were presented at the American Heart Association Resuscitation Symposium in November this year.

The researchers interviewed 567 people who experienced cardiac arrest followed by cardiopulmonary resuscitation (CPR). All participants in the study spoke about what feelings they experienced. It turned out that they were significantly different from hallucinations and dreams.

In particular, as the study participants said, they experienced a sense of separation of consciousness from the body, and this happened without such side effects as pain or agony, and also evaluated their life, actions, intentions and thoughts in relation to other people.

They were also tested for latent brain activity: they all recorded bursts of activity, including gamma, delta, theta, alpha and beta waves, which lasted up to an hour after resuscitation.

Many of these impulses originate in conscious people involved in complex mental processes such as thinking, memory retrieval, and conscious perception.

It has been established that on the verge of life and death a person experiences a unique internal conscious experience.

The detected measurable electrical signals of increased brain activity, together with stories of memories of death, suggest that human self-awareness, like other biological functions of the body, probably does not always immediately stop with the onset of death.

At the same time, as the scientists note, more research is needed to more fully determine the biomarkers of a person’s memories of death and monitor the long-term psychological consequences after performing cardiopulmonary resuscitation associated with cardiac arrest.

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Alameda Research FTT token transfer from September fuels wild speculations

According to on-chain data, FTT token supply increased by 124.3% on September 8 when 173 million FTT tokens were created by a 2019 ICO contract, and Alameda was the recipient.

The rumors about the possible liquidity crisis for the world’s third-largest crypto exchange turned out to be true. Just a day after assuring funds are fine, and they have the assets to back customer’s funds, FTX CEO Sam Bankman-Fried (SBF) announced on Tuesday that Binance has shown intent to acquire the global crypto platform to help with the liquidity crisis.

The liquidity crunch came as a surprise to many, given FTX bailed out numerous firms during the crypto contagion caused by the downfall of LUNA and the insolvency of 3AC.

Even as the crypto community process the events of the past 24 hours, the focus has now shifted toward other SBF-owned entities, especially Alameda Research, a leading principal trading firm. Alameda and FTX merged their venture capital operations in August 2022. Speculation mills are rife that Alameda reportedly faced a crisis itself during the crypto contagion in the second quarter and FTX bailed it out, which eventually came to bite it back.

Lucas Nuzzi, the head of the crypto analytic firm Coinmetric, took to Twitter to point out the FTT market cap increased 124.3% on September 28 when 173 million FTX Token (FTT) worth over $4 billion became active on-chain. Nuzzi pointed out that on the same day, a total of $8.6 billion worth of FTT tokens were moved on-chain.

Related: SBF tumbles off Bloomberg’s billionaire index after trouble at FTX

Tracking the fund transfers of the day, Nuzzi found 173 million FTT tokens from a 2019 ICO-era contract and the recipient of the $4 billion mint was reportedly Alameda Research.

4/ The recipient of the $4.19 B USD worth of FTT tokens was no one but Alameda Research!

So what? Alameda and FTX were intrinsically connected from day 1 and Alameda obviously participated in the FTX ICO.

But what happened next was interesting…

— Lucas Nuzzi (@LucasNuzzi) November 8, 2022

On-chain data confirms the same as the entire 173 million FTT tokens were then transferred from the Alameda Research address to an FTT ERC-20 deployer controlled by FTX.

FTT token transfer on-chain data, Source: Etherscan

According to Nuzz’s theory, Alameda blew up along with 3AC and other crypto lenders due to its overleveraged position but survived due to funding from FTX. The crypto exchange saved Alameda from imploding during the Q2 contagion using 173 million FTT as collateral vested for September. Nuzz believes that FTX not only helped Alameda from imploding but subsequently saved 173 million vested FTT from liquidation.

6/ Remember, the FTT ICO contract vests automatically.

Had FTX let Alameda implode in May, their collapse would have ensured the subsequent liquidation of all FTT tokens vested in September.

It would have been terrible for FTX, so they had to find a way to avoid this scenario.

— Lucas Nuzzi (@LucasNuzzi) November 8, 2022

The Alameda bailout eventually proved too costly for FTX to fill, especially in the wake of the Binance feud-led FTT selling spree. This eventually made FTX insolvent forcing it to go under. Cointelegraph reached out to FTX for clarity on the issue but didn’t get a response at press time.


Scientists Explain Why Aliens Will Never Take Us Over

Scientists believe that aliens are looking for specific types of stars. And the Sun, the star of our solar system, is not suitable for them, just like the Earth for life on it.

UFOs have been spotted more than once in different countries and cities. Although the existence of aliens is not known for certain, scientists are considering versions that aliens from other planets can pose a threat to the Earth and humanity.

At the same time, American researchers found out whether the aliens really need our planet.

They believe that UFOs are unlikely to ever land on Earth. And the reason is that aliens are looking for specific types of stars. And the star of our galaxy, the Sun, simply does not fit them by these criteria.

Jacob Hakk-Missra and Thomas Fauchez of the Blue Marble Space Science Institute and American University say that since all the stars in the galaxy are different, we can assume that other space civilizations choose where they would like to live.

Civilizations are more likely to choose low-mass dwarf star systems K and M to maximize their lifespan in the galaxy, experts say.

K- and M-dwarfs are stars that live longer than yellow dwarfs, like our Sun. In addition, trying to capture the solar system requires a large amount of resources.

No matter how advanced a civilization is, it will not waste its resources on a star that goes out relatively early, even if it happens after a few million years.

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Stefan Berger explains the reason behind the delay in MiCA voting

One of the reasons behind the delay is “the enormous amount of work for the lawyer linguists, given the length of the legal text.”

As the Plenary vote for the landmark Pan-European crypto legislation, Markets in Crypto Assets (MiCA), has been rescheduled from the end of 2022 to February 2023, Stefan Berger believes that to be a matter of technical necessity. 

Responding to Cointelegraph’s request for more info, Berger, a member of the European Parliament responsible for procedural handling of MiCa, explained that the delay has nothing to do with the legislation’s content:

“I view this as a purely technical necessity and not as a political move. I have no reason to believe that the support for the MiCA has changed in the European Parliament.”

According to Berger, the distance between MiCa’s successfully passing the trialogue negotiations in October and its final approval vote in February could be explained by “the enormous amount of work for the lawyer linguists, given the length of the legal text.”

On Oct. 10, during the trialogue stage, members of the parliamentary committee passed the crypto framework policy in a vote of 28 in favor and one against. Following legal and linguistic checks, Parliament approving the latest version of the text, and publication in the official EU journal, the crypto policies could go into effect starting in 2024.

Related: MiCA legislation good news for crypto players — Binance Europe VP

The European effort to finalize the comprehensive crypto framework is yet to meet the same motion in the United States. That is why in mid-October the European Commission’s financial services commissioner Mairead McGuinness emphasized that the regulatory efforts should take a global character.

Meanwhile, after several different bills on crypto in general and stablecoins, in particular, have been introduced to the public, the U.S. lawmakers’ discussion stalled. One of the possible reasons is the disagreement between the Democratic and Republican parties, especially regarding stablecoins.


Binance tops up SAFU fund at $1 billion amid price fluctuations

Binance CEO CZ took to Twitter to assure users that the crypto exchange’s insurance funds have been topped off at $1 billion as the debacle with FTX rages on.

As the liquidity crisis and acquisition of cryptocurrency exchange FTX continues, Binance CEO Changpeng “CZ” Zhao assured his community of insurance of sufficient funds backing the network. 

In a tweet on Nov. 9, CZ said that the exchange has once again topped its Secure Asset Fund for Users (SAFU) at $1 billion equivalent in light of “recent price fluctuations.”

To adjust to recent price fluctuations, #Binance has topped up the #SAFU insurance fund to $1 billion USD equivalent again.

BUSD AND BNB address about 700m:

BTC address 300m:

Transparency. 1/2

— CZ Binance (@cz_binance) November 9, 2022

The tweet included links to two reserve accounts, one of which holds both the Binance stablecoin (BUSD) and the native token of the network Binance Coin (BNB) with an equivalent worth of $700 million. 

The other wallet revealed Bitcoin (BTC) holdings worth around $300 million.

Binance’s SAFU began in 2018 by allocating 10% of the trading fee into a fund that is solely dedicated to backing up user holdings in the case of an incident. In February of this year, the fund hit $1 billion for the first time.

The crypto community on Twitter responded to the tweet with mostly positive reactions, applauding CZ for his action. One user said “all cryptocurrency firms should have a Secure Asset Fund for Users (SAFU) just like Binance.” 

While others had questions about the sufficiency of the cap for funds in the reserve:

Does #Binance keep less than $1 Bil in users funds in hit wallets?

Could there be any scenario where Binance needs more than the $1B?

— Crypto King (@Cryptoking) November 9, 2022

These recent tweets regarding the balance of the SAFU, came after CZ pledged on Twitter the day before for a Proof-of-Reserve mechanism for a detailed disclosure of liquidity.

The Binance CEO said the exchange will deploy a Proof-of-Reserve system which will utilize Merkle Trees for “full transparency” with the community. Merkle Trees are a mechanism for encoding blockchain data in a more efficient and secure manner.

The most recent CZ tweets referring to Binance’s SAFU also ended with the one-word sentence: “transparency.”

Related: Binance’s FTX acquisition seen as chess move by crypto community

This is one of the latest moves in the back-and-forth between FTX and Binance, which has unfolded over the last few days.

CZ has been active within the community during the entirety of the events. On Nov. 8, he tweeted his major takeaways from what has transpired thus far, which included not using a native token as collateral within the same network and keeping a large reserve.


How to pay your bills with cryptocurrency?

Users can pay bills with cryptocurrency directly from their crypto wallet or using a payment processor acting as an online crypto payment gateway.

Satoshi Nakamoto developed the first decentralized cryptocurrency called Bitcoin (BTC) and referred to it as “a peer-to-peer electronic cash system.”  As per Bitcoin’s white paper, online payments could be made directly from one party to another without going through a banking institution with a peer-to-peer version of electronic cash.

That said, other than using Bitcoin as an investment vehicle or a store of value, it can be used to pay for goods and services. Similarly, other cryptocurrencies like Dogecoin (DOGE) can be used to pay bills online with crypto.

This article will discuss how to pay in cryptocurrency, how to spend Bitcoin on day-to-day purchases and various ways to utilize your cryptocurrencies to pay your cell phone, gas or groceries bills.

How to make a payment with cryptocurrency?

Firstly, one needs to acquire a crypto asset like Bitcoin to begin paying with cryptocurrency. Exchanges like Coinbase and Binance allow users to exchange fiat for currency (or vice-versa) and store their private keys safely. However, self-custody might be an alternative if you don’t trust third parties for your private keys.

The next step is to sign up for a wallet of your choice to pay your bills straight from your crypto wallet. From hardware to software and web to paper wallets, plenty of options are available to send payments in cryptocurrency. As mentioned above, cryptocurrency exchanges also offer wallets to store private keys on behalf of their users. However, ensure that the wallet you choose is compatible with the cryptocurrencies of your choice.

Finally, check with your utility provider to see whether you can use cryptocurrencies to pay your bills. With merchants’ growing adoption of blockchain technology, many businesses have already started accepting payments in cryptocurrencies. For instance, Amazon supports Cardano (ADA), BTC and Ether (ETH) payments. Using a payment processor (i.e., online crypto payment gateway) like BitPay, companies may open a business account and start receiving ETH through its application.

What bills can I pay with crypto?

Users can use cryptocurrencies to pay for their expenses, from mortgage or rental payments to phone, electricity and internet bills. For instance, they can use crypto debit cards offered by payment processors to convert cryptocurrency into fiat to pay their mortgage, as they may not be able to pay their rent or mortgage directly using cryptocurrencies because most banks do not yet accept them as payment methods.

Companies like AT&T allow customers to pay their mobile bills using cryptocurrencies. Similarly, some municipalities also begin accepting payments in BTC, ETH and others. In addition, one can pay for gym memberships, student loans, electricity and credit card bills directly from their crypto wallet or using a crypto debit card.

While choosing to pay in cryptocurrencies, checking if your jurisdiction of residence treats them legal is essential. For instance, Switzerland treats cryptocurrencies as an asset class, which means Swiss residents can transact in crypto. But, on the other hand, since 2019, China has formally outlawed cryptocurrency exchanges. That said, avoid transacting in cryptocurrencies if they are not considered a legitimate form of payment in your country.

Can you pay bills with Bitcoin?

Many businesses accept BTC as a payment method, including Microsoft, Wikipedia, Travala, and others. For instance, Xbox gift cards, which may be used to make purchases at the Microsoft Store online, on Windows and on Xbox, can be bought through Bitcoin platforms. There are a few different types of cryptocurrency-based payment methods to pay bills with crypto, as discussed in the sub-sections below:

Bitcoin debit cards

Bitcoin debit cards are just like bank-issued prepaid debit cards that can be loaded with cryptocurrency to pay bills. When using a Bitcoin card at a merchant’s location, stored BTC or other cryptocurrencies are converted to whatever fiat currency to complete crypto payments for shopping. 

Furthermore, any fiat currency the card supports can be withdrawn from ATMs using a Bitcoin debit card. To apply for a Bitcoin debit card, users may need to create an account at an exchange that issues such cards and sign up for a digital wallet. In addition, users may need to undergo a Know Your Customer (KYC) verification process to comply with Anti-Money Laundering (AML) regulations.

So, where can you use a Bitcoin debit card? In collaboration with significant credit card services like Visa and Mastercard, Bitcoin debit cards are issued that can be used for both online and offline shopping. For instance, the Shift Bitcoin Debit Card enables users to link their existing accounts and make purchases wherever Visa is accepted, making spending BTC as simple as spending dollars and cents. Similarly, anywhere Mastercard is accepted, users can use the BitPay card to start paying their bills with crypto.

Furthermore, some cards support cryptocurrencies as well as fiat currencies and charge cardholders for converting BTC (or any cryptocurrency) to foreign fiat currency. Despite these privileges, this isn’t to say that Bitcoin debit cards are without disadvantages. For instance, cyberattack risks arise if funds are transferred from a wallet to a debit card service provider.

Bitcoin-powered bill pay services

In addition to Bitcoin debit cards, bill-pay companies like Coinsfer in the United States accept BTC to pay for subscriptions, bills, and products on behalf of their customers. Buyers need to send links to products they want to purchase using cryptocurrency, and then Coinsfer provides them with the full order cost (including shipping charges). After Bitcoin payment by the customers, Coinsfer pays for their order that they can track.

Direct Bitcoin payments

While shopping online or offline, ask the merchants if they accept BTC or read through their website to clarify. Various companies where one can pay via Bitcoin include Microsoft, Whole Foods, Overstock, Virgin Airlines and Save the Children, among others. Paying directly to the merchants that accept BTC eliminates conversion and service charges. Additionally, it reduces the steps one must go through if one chooses a bill pay service.


Furthermore, some states, such as Colorado in the United States, have started accepting BTC for tax payments via PayPal, allowing residents to make direct payments in Bitcoin. Also, after Bitcoin became a legal tender in El Salvador, McDonald’s and Starbucks started accepting BTC as a form of payment.

Advantages of using cryptocurrency to pay bills

Due to the pseudonymous feature of cryptocurrencies, one can manage their finances without government oversight. However, information can be made available via wallet address if users wish to do so. Moreover, one can directly pay their bills using cryptocurrencies (where they are acceptable) using a peer-to-peer blockchain network. 

In addition, you only need an active internet connection to make payments in cryptocurrency anywhere in the world. Furthermore, unbanked or low-income people can receive crypto loans or make payments in BTC, ETH, DOGE and others at marketplaces that support cryptocurrencies.

Disadvantages of using cryptocurrency to pay bills

Blockchain networks charge transaction fees to receive and pay bills in crypto, and one may want to avoid such expenses. Moreover, cryptocurrencies are not regulated in some countries, which means if funds are lost, one cannot claim their money back. In addition, as cryptocurrencies are highly volatile, users may need to pay hefty bills if the prices rise or may not have enough crypto available if prices dwindle. 

The private keys and seed phrase that provide access to users’ funds are their responsibility — if they misplace them, there is no way to get them back. In addition to losing your keys, the price decline of a cryptocurrency you hodled could result in financial loss. Moreover, a trade completed using cryptocurrencies cannot be undone since it is recorded into the blockchain except in scenarios like a mistake or error and the recipient willingly wants to transfer funds back.

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