... I have some geriatric ramblings to transmit. As follows:

The "Graduated Wallet" for BTC, Lightning and Nostr.

Elegant concept.

Here it is:

For the first, say, 100k satoshis that a user receives... The user is on Layer #1.

On Layer #1, inbound payments are converted by an API provider like LightSpark, or Arkade, or Breez, or Boltz.... from Lightning..... to an L2 like Spark, or Ark, Liquid, or other fancy thing...... things continue on like this for a while.. but...... BUT.... at the point that the user gets above 100k satoshis...

.... the user enters Layer #2. ..... ... The user then sees a button "Switch To Your Own Channel"..and the user's balance is converted into funds in a running instance of LDK on the user's phone. This LDK instance can open and close channels, send on-chain transactions, etc. Fully self-custodial and cool.

Nice, right?

Layer #1 | Spark, Ark, something like that.

Layer #2 | LDK: Self-custodial and decentralized, without compromise.

But. Here's the problem:

Layer #1 has a dark side: Spark or Ark or (perish the thought), APIs like Breez, all involve depending on ONE trusted intermediary, to keep an API up-and-running. Also, these APIs are mutually incompatible! To support more than one would be insanely complicated! And, like, when LightSpark or Breez goes down, your user is fucked! Not cool.

... also....each Layer #1 depends on a SINGLE network endpoint. This is just dangerous in so many ways... fundamentally uncool.... and not something that bitcoiners should get involved with.

So. POTENTIAL SOLUTION:

💡 What if, instead.. instead of Spark or Ark or Breez, a wallet simply allowed users to CHOOSE ANY NWC STRING -- and switch between those NWC strings at any time?

💡 Layer #1 | Multi-NWC-string switcher. Simple React component (or other easy UI.) Allows user to quickly switch between different NWC string. Simple. Decentralized. Highly convenient. Tested in production for 3+ years by orgs like Zeus, Alby, CoinOs, Wallet Of Satoshi, Megalith, Amboss, FlashSats, Rizful, MiniBits, Yakihonne, Primal, Damus, Amethyst, Coracle, and more... Fully featured for Lightning payments, balances, invoices, etc.

Layer #2 | LDK: Self-custodial and decentralized, without compromise.

Here is the simple scenario:

At the time that the user's NWC balance reaches 100k, the user sees a simple button "Switch To Your Own Channel" -- which triggers a standards-compliant LSPS1 or LSPS2 channel opening, using a standard BOLT11 or BOLT12 invoice. The user's funds go into the channel... and at that point, the user has full control, with a full LDK instance, access to on-chain operations, etc.

So....Why would you NOT, in 2026, just go with this?

💡 Layer #1 | Multi-NWC-string switcher.

💡 Layer #2 | LDK

It's simple, it's tested, and it's decentralized.