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If I recall correctly, Curve (https://curve.app) uses this scheme. Yet, on mobile, having to access your e-mail application isn't practical to most mobile users (imo), since they may not have their banking, house-related or enteprise e-mail addresses connected to, say, their Gmail app. Source: about 2 years ago
Open ref link and fill in your phone number (promocode if necessary:DGQOL5MN) | non-ref: curve.app. Source: about 3 years ago
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