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If you have a lightning channel to the custodial service you use, you can transfer the funds to yourself any time though.

So in contrast to a fiat bank, where you keep your funds permanently, you could use a "lightning bank" just to hold last nights payments and transfer them to yourself every morning. Or you automate the withdrawl to take place every hour.

And: Couldn't your phone be your server? The way I understand LN, receiving funds just means to exchange a few bytes of data. Can't phone apps receive push messages?



Here’s a wallet that runs a node on your phone: https://blixtwallet.github.io




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