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Depends on what you man by usable and what you mean by self-sovereign. For what those mean to me: Phoenix. It's what I recommend to someone interested enough in bitcoin that they'll put up with its frustrations.

If you mean onchain, others will be more help there.

Phoenix is a good option, thanks. Flips greatly between onchain and Lightning. The user needs to be interested in Bitcoin enough to grasp the channel opening fee.

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