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Libby works with Kobo (well Overdrive works with Kobo). You check out a book in Libby and then just sync the Kobo and it appears.

I use Libby on a Boox android based ereader.

Yeah the public library in my country insists on Adobe.

I lend books legally (library membership), strip the DRM and convert it to mobi. There's just no way I am reading books on my phone.