It's 1% iirc. I don't think that's dramatic. But that's me, a relatively wealthy Westerner...
It's 1% with 3000 sats as minimum. It's not a lot in "absolute terms" but it's a lot if you just got onboarded to LN and the first thing you have to do is to pay 3000 sats which is more than for a on-chain tx.
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Non-custodial lightning is always going to cost at least an on-chain tx. That's just the inherent economics.
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