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Yes, there are three interoperable implementations

https://cdecker.github.io/lightning-integration/

It runs on top of Bitcoin-like Blockchains that have segwit or something comparable.

If you run a LN node you can charge fees for routing payments.

If I pay for something using LN am I going to find it a superior experience to paying with cash or card, or am I going to find it a cumbersome experience for which I am charged an exorbitant fee?

The goal is to make it simple and inexpensive. Since it supports microtransactions in the sub-cent range and is irreversible, it would beat credit cards in those regards.

The most expensive step would be opening a channel, but there is work on reducing that cost.

There is upfront work (first you need some bitcoin, then you need to make an on-chain transaction to open a payment channel) but after that, lightning payments are trustless, instant, and with small fees (it's designed to support micro-payments).

But right now this is still VERY early in development.

Reply on news.ycombinator.com