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I guess he means for the individual sending large payments over LN? But I disagree with NVK plus LN can easily be a payment servicer the products he sells on coinkite
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I don't known what he calls large in that case, but I have sent 2-3million sat lightning payments with no trouble at all.
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Meanwhile, ACINQ running the biggest lightning node with 40+ bitcoin deployed for Phoenix, a self-custodial wallet:
But maybe he thinks 40 bitcoin is not a lot