Going custodial makes everything easier 🙂

Lightning is the most liquidity efficient way to do self-custody Bitcoin payments.

Fees for end user payments are still much better than L1, comparing to custodial isn’t apples to apples as custodial has limitations for access

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Depends on the size of the payment. Monthly invoices for freelance work have been cheapest on-chain for me for the past two years. Even in high fee environments it’s lower than the 1% (plus on-chain fee for splicing) when receiving to a self-custody Lightning wallet.