Unspent Transaction Output. Any Bitcoin that you have received but not yet spent is a UTXO. UTXOs are what you have available to spend in future transactions.
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Crypto assets are highly volatile and largely unregulated. There is no guarantee that any crypto asset will have at any time in the future certain value (if any) or market liquidity.
Crypto assets are at risk of losing substantial (or all) value within a short time period.
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