Since I've seen stablecoins mentioned lately. This is what a lot of bitcoin and Nostr apps are using for their wallets and this also supports stablecoins.
https://www.spark.money/
Breez also has it...
@nprofile1q... Spark/Breez is neat and self-custodial, but there's a V4V blocker: a native Spark transfer carries no metadata: just address + amount + token id. No memo/comment field in the protocol or the Breez SDK, so nowhere for a boostagram (or a link to one), and no in-band id to match off-chain metadata. Lightning has the keysend TLV 7629169 and LNURL comment for this; Spark has neither. Spark is alpha, we as a interest group should push for a payer-note field before native-Spark V4V makes sense.
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