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Re:Show HN: The Bitcoin Note – Secure, Self-Custodial Bitcoi... by ccamrobertson on Tuesday June 07, 2022 @11:27PM (#31662845)
Depending on where in the lifecycle the note is, it's either a 2-of-2 multisig transaction or 1-of-2 multisig transaction, using only the user key in the latter case.

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