Yes indeed, I get that. But my confusion stems from this: The liquidity I have is locked in lightning channels. I’m used to the behavior of something like a self-hosted Blue Wallet, where your separate lightning wallet holds the funds that are routed through your node.

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if it's connected to your personal node then the liquidity is in your personal node. you're using your lightning channels. i use zeus daily with my node and have for probably for 2 years now. it's great!