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First, what is ERC-20? Some kind of android? No! Besides the difficult name, it is just a protocol to define what basic structure, rules and functionalities your fungible token (like crypto currencies) must have to properly interact with the world. But good news! You don't have to write it from scratch, because OpenZeppelin already has a bunch of secure boilerplate smart contracts written and audited by the community developers, so you just have to import it in your code and extend your contract so it inherits the ERC-20 basic properties and methods.
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