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Could you please elaborate on the meaning and significance of "xpub" in the context of a Bitcoin wallet? I've noticed this term being used frequently but have yet to fully grasp its importance. Could you explain in simple terms what it represents, how it functions within a wallet, and if it plays a crucial role in maintaining the security and accessibility of Bitcoin funds? Additionally, is there any specific knowledge or skills required to understand and utilize xpubs effectively? Thank you for your time and expertise in this matter.
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