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Elena followed the digital breadcrumbs. They led her away from the sterile spreadsheets and into a decentralized vault that shouldn't have existed. It was a digital museum of "captured" moments from the SVB collapse—not money, but the frantic, final messages of a bank that vanished overnight.

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But when SVB collapsed on a Friday, those pending "captures" were in limbo. Funds had been authorized but not yet settled. Merchants realized that if they could before the FDIC locked the bank accounts, they might recover some liquidity. Elena followed the digital breadcrumbs

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