The extra fee doesn't bother me though, just the security of using it for zapping

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I gotcha. Might not be best especially if you funded Phoenix with on chain. Not sure if zapping breaks the heuristics.

Set up an Alby wallet and fund it with your Phoenix.

Alby = pocket change

phoenix = checking

Onchain = savings

I use WoS for zapping on mobile, Alby on web