FTX plans to return 90% of customer funds, but with a catch: customers will be refunded in crypto, not fiat. This means that customers will need to sell their crypto in order to receive fiat currency. FTX's plan is still in its early stages and will need to be approved by the bankruptcy court. If the plan is approved, customers could start receiving their refunds in early 2024. Customers should carefully consider their options before deciding whether to accept FTX's plan. Some customers may be happy to receive their refunds in crypto, while others may prefer to receive their refunds in fiat. Customers should also consider their tax implications when making a decision.