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Godzilla sounds poor
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Of course not, that would make it custodial.
The mobile keys are only held by the client and their designated recipient.
For the ultra paranoid, we offer the option to use a second hardware key in lieu of a mobile key.
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No, then we'll complain about them using up liquidity on lightning and driving up fees.
The problem isn't so much that fees are high. It's why they're high.