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I'm just a user of LZF, not a representative. However, my understanding from the various announcements is that the FDIC coverage comes directly from the bank and not LZF, because in the case of LZF, the bank is the custodian of USD funds deposited I believe this is unique to LZF unlike other...

Was is suspect that Coinbase had insurance on Bitcoin stored since 2013 but only announced it in 2015? I also remember reading about FDIC insurance coverage for Coinbase in the news, but they do not openly advertise the certificates either. See Below: