I see, that evidently makes it considerably more challenging. I appreciate you taking the time to explain, thanks.

Do you generally see BOLT12 as a practical way to transition Zaps to non custodial transactions, or do you find it too complex for the purpose?

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The main thing it does is reduce the burden on running an http server in conjunction with your lightning node. I would argue running an http server is the least hard thing, running a lightning node itself is more complex, but things like phoenix make running an ln node easy, so it may be worth switching to it.