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RE: Onboarding Friends and Family to Steem?
I'm so familiar with Oracle-D, but didn't know they had this system that works off fiat currency. That's great. Not sure how to improve upon it, but I like how you're thinking.
Yup, I read about it recently too. Here are the details, I forgot to add them to the post:
https://steemit.com/introduceyourself/@steem.ninja/steem-ninja-account-sign-ups-with-credit-card-and-referral-reward-system