Does a "zap provider" need to know a nostr user's nsec private key?

@npub1xtscya34g58tk0z605fvr788k263gsu6cy9x0mhnm87echrgufzsevkk5s

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No.

The zapper (zap provider) signs the events kind9735 with its own privkey, not the user's.

https://github.com/nostr-protocol/nips/blob/master/57.md