If that's the case, Luno has already implemented in a better method. Sending bitcoins on Luno is free. Is instant. You can send to recipient's email or phone number. The only stake is your bitcoin balance in Luno which still belongs to you. No balance no sending. All without having to setup all these Lightning network channels.
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Is Luno a centralized solution? In which case, this is a completely different thing and I recommend doing more research on the topic, please. I spent way to much time researching Luno. If this is your project, this is not the way to promote on steemit.