A bunch of 85 toxic psychopaths like us. Everyone else owns IOU’s

I think swaproot is on the right track to self custody for users that can't run a full node, and then #cashu for receiving small payments while the user is offline. For everything else, pick a full node solution. Obvously a hard wallet for larger amounts. People are running out of excuses to not self custody.

ACINQ | Swaproot: cheaper and more private on-chain deposits on Phoenix

ACINQ is a Bitcoin technology company with a focus on the Lightning Network.