Getting back to this, it seems there are two types of Ably accounts. One connected to a LN node and one set up with userid and password.
Discussion
Interesting. When I set mine up initially I created an account using an email address, and from there was able to use the same account as a wallet and also to provide LNURL service to my node. Iām currently not using it that way because I found zaps to be too slow going over Tor.