It would make sense to first define both Centralized and decentralized regarding crypto exchanges. A centralized exchange is one where the client would open an account and wire the funds to the bank account of the centralized exchange. The client would be able to trade whatever products are provided by the centralized exchange. If they wanted their funds, they would need to request a withdrawal, and the funds would be returned the same way they came in. The centralized crypto exchange model is similar to how stockbrokers, futures brokers, and forex brokers currently operate. Both rely heavily on the bank

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