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RE: What is excellent about HF20?
For me, The major improvement about this hard fork is that other frontends and apps will be able to onboard new users themselves instead of having to rely on Steem inc to verify them all (if they don't pay).
I expect this to speed up signups across the board and an influx of new accounts.
And because it costs apps/frontends resources to sign them up it will give them incentive to do a good verification job.