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I don't have an answer to that question, but only because I think it depends on which cryptocurrencies you hold and which ones are accepted by the merchants you care about.

I'd like to use HIVE or HBD (once I have enough to spend), but without someone else accepting either all I can do is let them accumulate and earn interest.

Perhaps Metamask can suit your needs, and I think Hive blockchain uses it.

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