It doesn't even use that, the Chivo wallet only uses LN for external transactions, everything else is a plain old centralised app.

I don't have time to thoroughly research the topic and come back to you, so maybe you can do some leg work.

But I do know people over estimate what can be accomplished in a year and underestimate what can be accomplished in 10.

Setting up lightning channels are still slow, expensive, and worse require hot, online wallets.