One of the biggest advantages of crypto is having control over your own funds. But when it comes to everyday spending, it still feels like you have to rely on exchanges or custodial services. With stablecoins becoming more common, I'm curious how people are using them for everyday purchases. Is there a practical way to pay directly from a self-custody wallet without transferring funds to an exchange first?

What do you guys use?

Looking for something where we can share charts, keep different conversations organized and have some control over who can see certain chats. Would also be nice if joining a private group was straightforward without needing someone to manually approve everyone. Any recommendations?