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Are you sure that’s how digital USD works? I would think there is still surveillance and they can censor any transaction at their own discretion and confiscate your funds.
Depends on the network. Tether / USDC on ETH does have that ability (its a smart contract).
Tether on LN? Not that I know of?
Remember that Tether was first on Bitcoin with OMNI protocol and only moved off because of fees made it impractical.