This. IIRC I talked about this on tje last BR EP. Normalize disposable identities for payments.

Dare I say deterministically generate them for each payment....

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What are some ideas on how to deterministically generate the secret key?

I see what you did there. lol

You did. I heard it this morning 🫡

Study Verifiable Credentials

Sounds what RoboSats does 🤔👍