I want Coinos to be a wallet that abstracts away the complexities of bitcoin and other layers and just gives people a simple wallet for making payments. Beyond that having some social features with nostr would be nice to have.

I think e-cash will help people move between custodians more easily and within the same wallet but hopefully we get to a point where we can achieve the kind of instant finality and zero fees that custodians offer but without any third party trust. I'm optimistic that Ark and improvements to lightning or other layer 2's might get us there one day.