There is the Alby Account with the lightning address, the Alby Extension - those do NOT give you a node. You have to connect a node to those. NWC (Nostr Wallet Connect) is the best spec for that.

Alby Hub comes with a lightning node.

So Alby Hub is the node/wallet/where your sats are and you connect other services (Extension, Account, Nostr Clients, etc.) to that one.

does this explain it?

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no that all continues as is.

Old legacy accounts will just not be able to receive payments without a hub.

Cool, thanks!

Alby Hub Cloud comes with a node, not Alby Hub. You still need a node for that, I suppose

You need to run Alby Hub somewhere. This is either on one if your devices like a home server or you can run it in the Alby Cloud. We have a one-click deploy of Alby Hub (the node) there.

( for the hosting we charge)

So Alby Hub includes the node and it just depends where you run it