I agree. It seems we are trending towards https://github.com/getAlby/nips/blob/master/47.md or a slight variation of it. Still would require a user to setup their own wallet but it would make bringing any wallet to nostr possible.

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getcurrent.io seems to be a combination of wallet and nostr client. Didn’t use it much though

#[7]​ discussed this on Nostrica, if I recall correctly, He prefers to wait for a mature solution to integrate a wallet into the client rather than developing it himself.