"So when am I getting my money back?"

That's the question FTX users have been asking. The answer, let's not kid ourselves, is complicated. And it's pretty ugly.

That's why FTX user Bhagamshi Kannegundla made a bold decision.

"On FTX I had almost 60% of my crypto portfolio," Kannegundla told CNBC. "Based on all the other bankruptcies and everything that happened in the crypto market, I was really worried about getting anything back and then how long I would have to wait."

"I started looking at other ones like Mt. Gox and they took almost like eight to 10 years before the people even got a portion of it back", Kannegundla added.

What Kannegundla did, while not unheard of, is certainly ground-breaking in the crypto space

This FTX user found a company that brokered the sale of the credit.

In other words, Kannegundla sold his FTX claim in exchange for cash.

"[My] bankruptcy claim was for $174,000. After all the due diligence and everything, I was offered $19,000," Kannegundla said. "I guess the best way to look at it is I got 11 cents on the dollar."

The company will then attempt to cash in on the claim, and any penny they get over $19,000 will count as profit, and it will remain with the company.

Kannegundla said he'll have "zero regrets" if the company manages to recover more than $19,000.

In a way, the question here is, would you do the same? And not just with FTX.

I've lost the equivalent of $16 in FTX and $280 in BlockFi.

Would I take $1.7 and forget about FTX? Probably. I've already forgotten about it, tbh.

Would I accept $30 for my BlockFI claim? Ah. Million-dollar-question. I'll have a think and get back to... myself.