Bitcoin core, store you wealth offline. If we are talking about lightning then there’s quite a selection, I’m using Wallet of Satoshi, it’s a custodial wallet but I use it for zaps and hopefully one day buying a coffee/train ticket day to day so only ever store about £20 at a time in there
Discussion
This is true DeFi, store you wealth in bitcoin, and spend your money with lightning. Bitcoin is your bank, and Lightening is you check book.