one more question. if my node blows up, which is a very real possibility, i can get all of my sats back by restoring my node and force closing all of my channels. eventually, all of my sats (minus FC fees) will show up in my on-chain wallet. that's fine for me. however, in this scenario, what happens to the user's sats that i was hosting? how would i know how much of my on-chain balance is theirs?

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I believe you’d have to backup/restore the Redis database that LndHUB uses to keep track of accounts.