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In fact, it comes with two keys: a public key and a private key.
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If someone sends you, say one bitcoin (BTC), a private key will be required to “unlock” that transaction and prove that you are now the owner of that bitcoin.Think of your public key as your mailing address.
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It's similar to providing your checking account number and routing number to set up a direct deposit – you can tell that information to anyone, but it doesn't allow them to withdraw money or otherwise log in to your account.The private key on the other hand is for the wallet owner only.
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