LNURL is a meh stopgap. Many people can probably run a small personal lightning node but can they run a BTCpay server on clearnet? Or worse yet run a custodial LNURL. If we are trusting 3rd parties what are we even doing here?
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I don't know if you know about Lnbits, you can have a lnurl address in 2 minutes. And installing it on Star9 or Umbrel is literally one click away.
And why it has to be clearnet? Supporting tor is a 5 minute job for either part.
lnbits is awesome. Braiins is asking for a lightning address for payouts which has a dependency on public DNS so I think your lnbits instance would need to be publicly accessible on clearnet. Also you have to run a lightning node AND lnbits. With Bolt 12 you only need the node and Tor only is fine.
The only issue with Bolt 12 is that LND is dragging their feet on supporting it which is an LND problem.