I like using Strike as a send-only app for zaps. Every time you send it deducts from your USD balance. In the backend they conduct a spot purchase and send via LN. That's great because it doesn't cause a capital sale tax event upon every send.

I recommend using a different wallet for receiving zaps as it makes accounting much easier.

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Downside to this: KYC

True. Affects only the sender. I'm personally OK with big brother seeing me send 23 cents to random people.