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.

also correlation doesn't equal causation, the Overton window, etc

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