need to know the experience level, use cases, and threat models

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Experience level: very low, or none. The self custodial preference is just because.. obviously, I know custodial options exist and are easier.

need lightning?

liquid?

tether?

remittance? to where? what do they use there? what do they swap out to there?

for similar, I've been trying aqua, bull, and green

Just onchain, sorry for kinda boring answer :)