CoinOS.io -- it is a custodial Bitcoin wallet. Pretty much similar to WoS, (free of any verification/KYC) but is web only.

I think their customer target is merchant / point-of-sale, but if every one of us considers that we ARE merchants, (sometimes I accept Bitcoin from you and I sometimes I pay you), then their UI decisions (e.g., requiring a PIN to see the balance) make more sense.

There is a 0.1% fee when you deposit via LN and then withdraw on-chain, ... and vice-versa.

They only show a single BTC balance on the account, I think. So you don't have an LN balance separate from an on-chain balance, so I don't know how you would mix on-chain with LN without having a fee charged nearly all the time. I would probably create a separate account for my on-chain usage, and do LN only on my main account.

I've been using them for a couple years. (The wallet before they pivoted to being PoS-first approach is now called "Classic", and separate balance there ... ( Classic.coinos.io .. where you even could have a L-BTC / Liquid account, and balance ).

They do often have service issues though, like currently their fee estimates on LN withdrawal seems off. Solution for now seems to be to not withdraw the last 100 sats or so, and it will work as expected. And sending to SN seems to error without successdul LN payment, oddly. Not sure why.

And they used to have outages more frequent, but now that the split between CoinOS and Classic CoinOS, CoinOs has has been more reliable, as far as closer to being able to sign in and withdraw or deposit, 24/7.

It has really been quite useful, to me.