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  1. From my inquiries with lawyers and regulators. If the IOU is held by a financial institution it should be considered a financial instrument. For example, EUR IOUs held by Fidor on Ripple should be considered currency. If the IOU is held by another type of private gateway, the IOU should be considered private money equivalent to for example an Amazon gift card. XRP or Bitcoin would fall into the category of private money too. This is the position taken by most European countries, but other countries have taken different positions.
  2. The tool looks very cool and useful. Any chance of giving public access?
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