Plenty of guides talking about them you could find on my substack. Onchain = vault, holding, your central bank, you barely use them LN = is your spending pocket, your commercial bank.

Usd the 3 levels of stash as I explained in my guides.

https://postimg.cc/vg5Sf85D

https://darthcoin.substack.com/p/bitcoin-be-your-own-bank-think-like