Lightning Network, ready in 18 months for the last 5 years! Lol.
What exactly are you missing that i.e. PhoenixWallet or Electrum is providing? The only thing missing is merchant adoption - but bitcoin is far ahead monero in this field.
I have used LN quite a lot for the last 3-4 years or so. Seems to work good enough for quite many use cases.
It's very usable. It's just not the PoS some expected.
What exactly are you missing that i.e. PhoenixWallet or Electrum is providing? The only thing missing is merchant adoption - but bitcoin is far ahead monero in this field.