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A prepaid card is not linked to a bank checking account or to a credit union share draft account. They are not a credit card so you can’t run up debts on them.   They have the MasterCard/Visa/UnionPay logo on them so that you can spend with them anywhere that accepts these card scheme networks just like with a debit or credit card.
These channels weren't backed by bitcoins onchain and by that represented pure credit relations inside the network for the sake of increased routing on all other non-PHC chanenls of the host. PHC overlay network couldn't exist without trust.
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