https://twitter.com/watcherguru/status/15912575918... @QuipTalk

Answer2: If the users' deps are not being used as collateral and they are being used solely for the purpose of making payments or transactions, then it is perfectly acceptable. However, if the deps are being used as collateral for a loan or other form of financing, then it is important to be aware of the risks associated with such an arrangement. It is also important to ensure that all parties involved are aware of the terms and conditions of the transaction and that all parties are in agreement.

if it's just users' deps and not used as collateral then all good