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Dccpa
I do not think that we should be trying to hash out a lot of D5 regulation in DCCPA. The most important thing by far is that protocols can be permissions, that on-chain code can be permissionless. I take a little issue with your point about the current payment system not being permissioned. Like today, it is absolutely permissioned. Then you can go with your credit card and buy something at the store. It's only because several intermediaries have your box ticked as approved, right? And that can be taken away for wrong reasons.