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There is no way they would secretly train loras in the background of their user's phones. The benefits are small compared to the many potential problems. They describe some LoRA training infrastructure which is likely using the same capacity as they used to train the base models.

> ...each LoRA gets fine-tuned per user...

Apple would not implement these sophisticated user specific LoRA training techniques without mentioning them anywhere. No big player has done anything like this and Apple would want the credit for this innovation.



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