So as an idiot, am I reading this right that the nip just specifies where they put a specific line involving payment type, and then then all clients know to look for that line and handle the payments as needed? So someone might put "litecoin" as a type, and then if the client handled litecoin payments it would do that based on whatever spec the litecoin nostr folks came up with?
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Yeah. Having a standard address also means that you can put the payment link anywhere, not just in some specific kind or tag, as it's an atomic format like wss:// https:// nostr: and etc.
So, if someone says, hey, your whatever-address in your profile isn't working, you can just reply with: oh, then use my payto://... address and they would click it and the handler would open.
And those addresses could be to anything: Lightning, Bitcoin on-chain, Monero, Doge, but also PayPal, MasterCard, bank account. Anything.
They would have to come up with their own means to zap/tip posts though right, these would just be profile payments?