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I always reccomend Blue wallet. * self custodial * on-chain * lightning * multi-sig * watch only * available for mobile and desktop * good security (password, biometrics, plausible deniability) * tor * can connect to own nodes: Bitcoin, lightning and push notifications server * etc. Blue is easy to use and secure for beginners (everyone I reccomended it to, like it), but when theye get more advanced they can use more features. The only flaw I find in it is quite long loading time.