Has anyone ditched their bank completely for cashapp? Any issues with it?

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No webclient

True, you’d be dependent on your phone

That's what I do. I like they only deal in btc and usd. And they have lightning. And a debit card. I only put a little in there at a time to meet my usd needs.

I did Probly 30 Lightning transactions this week buying stuff from merchants all over Bitcoin Jungle. I used 4-5 different Lightning wallets. CashApp was the fastest and most reliable. The others sometimes took time for payment to go through.