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When people cash out it's no wonder why the entire crypto market crashes at once. In order to protect access to your hard wallet, you are given a seed phrase. You can even hide your cold wallet in another secure location, like a deposit box or otherwise. It whenever they pay with their paypal wallets. This file allows you to decrypt your wallet just like a private key does, so if you lose it or someone gains access to it, your coins are jeopardized.
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Then you have more control over your money.
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