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@disregardfiat
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The NFT should include the ability to modify it to attach lien holders, authorized use, etc... Of course before somebody signs a bank as a lien holder on a PNG, that code should be written such that payment of the 50k (with whatever interest terms exist) will remove the lien holder with out further action required/desired on the part of the bank.

The issue of laundering art to increase it's value isn't necessarily a DeFi issue.