Phoenix is really good and I recommend it to people, however:
- extreme form of "non-custodial centealizarion"
- very very bad privacy
- actually super expensive
I think it's smarter to use Zeus with your own Lightning node on a server at this point.
0.4% is super expensive?
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It is when you compare it to running your own node. They changed for receiving and for sending so, yes, it's expensive.
*charge