> lock a mint quote to a user key so the server can't rug it
That was something I felt uneasy about when I was following this process. Glad to hear this is changing.
Correct! What's easier to do is to not mint the tokens on the server though but to create a mint quote that the user can then mint when they come online. That way the server wouldn't have to store any proofs.
You can use NUT-20 to lock a mint quote to a user key so the server can't rug it: https://cashubtc.github.io/nuts/20/
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