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I'm fairly new to all this, unlike a lot of the SN crowd. As I see it... Your BTC wallet is your savings account. Your Lightning wallet is your current/checking account. ?
Not exactly. If you self custody your Bitcoin think of lightning as your wallet in your pocket for daily spending money. Then on chain cold storage Bitcoin as your money in your own bank that only you can access. No checking accounts as no 3rd parties and instant settlement
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