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Any form of encryption on amateur radio frequencies is prohibited under FCC Rules Part ยง97.113 Prohibited transmissions Section 4 http://www.arrl.org/part-97-text. This makes things like TCP/IP over HAM frequencies legal (as seen here https://en.wikipedia.org/wiki/AMPRNet) but not SSL traffic. No business transaction required.

Bitcoin doesn't use encryption. I don't know whether LN does.

LN does not either.

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