bull doesnt, phoenix does

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Never used bull.., pls elaborate.

they use liquid and boltz swaps

there is a bit of a privacy leak on the electrum server side, but you can set your own, and privacy trust with boltz

open source, incredibly easy to use, decent default privacy guarantees

https://serve.podhome.fm/episodepage/CitadelDispatch/cd181-francis-pouliot--bull-bitcoin-self-custody-bull-wallet