Chivo is a government app. No government is going to create a self custodial wallet. It's meant for people who know nothing about bitcoin & interoperable with any lightning wallet. There's no compulsion to use it, and you shouldn't if you're familiar enough with self custody.
Discussion
You're literally admitting it is custodial.
Who cares who created it? It's a popular lightning wallet and it is custodial. That was my point.