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At least because there very few ways to "stabilize" BTC balance onchain and none of them absolutely trustless due to oracle problem.
https://standardsats.github.io/ has "download APK" on its page. This is custodial tech, do not use it for savings. Currently only EUR asset available.
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I'm not sure how do you mean "Not related to LN"?
I agree that there are solutions in works (standardsats, Taro, RGB, Synonym, Liquid swaps), but it doesn't look like there's any usable version yet - or is there?