3 of 3 Becomes 2 of 3 Becomes 1 of 3 Overtime. Meaning if you lose two keys in a traditional 2 of 3 multisig you’re fucked, but in a decaying multisig you can still recover if you have 1 key left.

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Losing keys in multisig is one thing but I am more nervous about how to rebuild the wallet from scratch if you don't have the file saved or all the xpubs to rebuild