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募捐者可以设置自动退款，例如，如果有未达到特定的最后期限和最低金额，就可以自动退款。 去中心化借贷无需任何一方表明自己的身份即可进行。 但是，借款人必须提供抵押品，如果他们没有偿还贷款，贷款人将自动获得抵押品。 有的贷款人甚至接受非同质�

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