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As I explained in this guide: not just be your own bank, but also think like a bank. https://darth-coin.github.io/beginner/be-your-own-bank-en.html
Use the 3 levels method: HODL, cache, spend
A LN node is only a transition / cache level. Do not use all your stash into a LN node, but enough to manage the other operations.
LN channels are NOT "locked", but the way around, are liquidity necessary to make day to day payments.
I will say it again:
  • onchain is doing TRANSACTIONS, final settlements, long term holding, large amount.
  • LN is doing PAYMENTS, instant spending, small amounts, short terms.
I personally do not have a certain amount rule to keep in a LN node. I run multiple LN nodes and the amounts are moving up/down depending on the needs. I live off my BTC so I need to have enough liquidity in each of them.
As advice for somebody that start now, I would say to not keep more than 30% of your total stash in a LN node. Now depends also if you run a public routing node or just a private spending node. For a public routing node, you would need more liquidity allocated.
I am asking about public node (I don't have a lot of money, so it's just a curiosity). Since for routing it seems like the more money you have providing liquidity, the better in every way (fee income, increasing the ln resilience, more available routes for payment, higher transaction amounts possible, more channels are possible increasing ln connecticity... everything).
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Yes, if you dedicate your time, effort and money into public routing, then you would end up having more % in your LN node than in cold storage. You must be aware and keep a balance anyways. Not that you can get a crashed node, that's not a real problem, funds can be recovered anyways. The problem is that you could end up with stuck liquidity that is not "producing" anymore income.
for routing it seems like the more money you have providing liquidity,
Is yes and no... Depends how you manage that liquidity. You can have also very good income from fees with lower liquidity, but enough to offer proper routing. If you can replace quickly depleted channels than you don't need hundreds of BTC in a LN node.
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