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Elrond and NEAR
Back in 2018 I got into crypto currencies. I ended up focusing on Nano and built Canoe, a cross platform (mobile and desktop) wallet for Nano. Nano is crazy fast (one or a few seconds) and has zero fees. For payments it’s superb and the architecture of Nano is clear and simple. I still have a lot of respect for Nano, but… 2020 taught me one thing - smart contracts are actually not just a gimmick.