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5. Regulatory and practical implementation points currently mainly focus on the EU first (more friendly regulation), while the US domestic market is likely to be delayed for a while longer (the SCLARITY Act is being pushed, but delays are normal, and this is the biggest variable). Is self-custody truly implemented, or is it just nominal with a wallet provided but the actual keys still held by Robinhood? Implementation details determine trustworthiness. The liquidation mechanism for on-chain lending, price oracles, and how to handle liquidity during holidays/extreme market conditions—these are all still lacking complete solutions.