Hmmm...

Does a cashapp account evolve as you use it or add a significant amount of consistent funds in it as time goes on?
Like if one were to route their paycheck from work directly to cashapp? (which offers 2 day early pay).

We think this is the case simply because we notice changes over time starting from scratch.

For example, when one starts a cashapp acc they don't have access to a "borrow" function until some time has passed or significant funds have been added over a consistent period of time. (we think)

Does this explain why we are just now seeing lightning network alongside a normal mainnet bitcoin address when prompting the acc to deposit funds?

Us solana gods are bitcoin newbies but hey, we respect daddy BTC at the end of the day.