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 This is not true - the new Alby Hub wallet (Powered by NWC) is 100% free and open source. You can choose to pay for cloud hosting for convenience with some other benefits, but it's completely optional 
 Yeah, but the rest of it is going paid, nobody is going to set up their own wallet with Alby, they will just switch. Most people can't or don't want to run their own.  
 It’s true and a difficult problem to solve. People who are not willing to run a node must trust a mint or do KYC with a custodial wallet.

We’re working on an alternative with Alby Hub where you can share liquidity with friends and family, and they get a smooth onboarding with NWC which they can use in Damus or any app that supports NWC. We would love feedback if you’re interested in trying it out!