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With Teams, the distinction is pretty easy: Within a Team, the file gets uploaded to the Team's SharePoint site. If you share a file in the Chat module, it gets uploaded to your own OneDrive.

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It's clear as in "if you know the rule you can count on it" but there is no discoverability within the tool itself. It will even say if a file has been uploaded into the chat already, giving you an impression that the file is in the chat - while it really is in your own onedrive.

I only discovered it by chance while roaming my onedrive directory.

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