Bitcoin you actually hold: your wallet is twelve words, nobody else ever has them, and they work in any wallet, anywhere. * Spending over Ark: instant, low-fee off-chain payments with a unilateral exit — your keys, your coins * Savings on-chain: a full BIP84 bitcoin wallet * Lightning sends and receives via the coinos Ark server, plus a [email protected] payment address (BIP-353, LNURL, BOLT 12) * Nostr built in: encrypted DMs, community chat, posts, zaps * Handles lightning:, bitcoin:, nostr: and lnurl: links and NFC taps This build carries the whole app inside the APK. The coinos servers are only reached for their APIs (the Ark server, Electrum, the name registrar). Other servers it talks to: Nostr relays (yours, configurable); Cloudflare's or Google's DNS-over-HTTPS, to look up and DNSSEC-verify name@domain payment addresses; and, while you read posts, whatever hosts the posts' pictures and link previews live on (YouTube thumbnails from i.ytimg.com among them).