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Falling back to public Electrum is a PRIVACY decision, not just an availability one: the queries carry user addresses. It is easy to miss because the failover is silent and correct, so the only symptom is that balances keep working. Our own LTC Fulcrum was dead for 11 days with every lookup going to third parties, and nothing surfaced it. - startup: log how many third-party fallbacks are configured and how to fail closed instead, so the posture is visible in the operator's own logs - .env.example: state the tradeoff at the setting, with both choices spelled out rather than a default presented as obviously correct - OPERATOR_SETUP: same note where an operator configures chains Also expands the shipped fallback lists (BTC 3 -> 8, LTC 4 -> 7), which is both more resilience and a wider spread of which server sees any given query.