Sounds overly complicated and such requirement would likely kill zaps.
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No, it’s the opposite. It would set zaps free
You have to handle
- cryptography
- communication with a central server
- UI
- ...
vs user choses any external app he likes.
The latter is clearly simpler.
A protocol to ask external wallet for cashu-zaps could partially solve it but there's still the added complexity of parsing and validating new kinds of events.