Is there any point during the creation of a multisig wallet that funds can be deposited into the wallet or is it only safe to make deposits after the final step (The exchange)?

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You can deposit funds into a multisig wallet as soon as you have completed the multisig wallet make_multisig process (in the case of N/N wallets) or have completed the make_multisig and finalize_multisig process (in the case of M/N threshold wallets).

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