GM

My Bitcoin bank XAPO made me lie to confirm I don't invest a lot in crypto and I had to lie and state it is an extremely risky investment.

However that aside, it then told me about UMA (Universal Money Address)

https://www.uma.me/

It's like a Lightning address mike@mikehardcastle.com but for USD.

Is the fiat world copying us?

What is this, is it just lightning, or is it something built on top of lightning?