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How would this prevent a flood attack ? What I mean is in Bitcoin and presumably Stellar, you need coins to create transactions. There is therefore a cost to spamming the system.

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It doesn't prevent a flood attack. The challenge in this approach does not lie in "preventing it" but in "dealing with it".

Do you have some ideas on how to deal with it?

Yeah

Stellar is 100% centralized. In fact, its owners took it down at some point to change some rules.

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