I just use the payto:// addresses NIP, since I then don't need to make a client for each different sort of payment. Just need a handler for each one.
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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?