Does anyone know how to create a channel on LN via btcpayserver and Ride the Lightning? I've tried so many peers from 1ml.com and they all need like $400 for a channel. I'm not risking that much not really understanding how any of this works.

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You are limited by the number of sats you have onchain and the node that you are trying to open the channel to. There is never a point in having channel that is below 500k or less, unless you expect very little traffic. Also, current mempool fees make channel opening and closing very costly 🐶🐾🫡