So this is really only a problem if one receives a lot of zaps. Correct?

I think (assume) the reason Primal rate limits is because, and most likely its not Primal rather, their wallet is provided by Strike…its basically a white label.

So maybe it is Strike that limits it due to regulations they have to abide by?

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I don’t really know. The other time I’ve run into failed zaps is when someone doesn’t have a wallet connected and/or the associated node is down.