And in order to do this the receiver has to be online, right?

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Not necessarily, if the token is tied to your public key, but it's a trade off, you need to trust the payer and the mint. Everything is a trade-off

nostr:nevent1qqsf2wk6wqv7khptp69s8gamegq55md883ag2p0wnr9qsrp5cdrzg5qppemhxue69uhkummn9ekx7mp0qgs9pk20ctv9srrg9vr354p03v0rrgsqkpggh2u45va77zz4mu5p6ccrqsqqqqqpkxxlvr

Tokens tied to public keys can be used to censor individual users even without KYC.

You could defeat this by using an ephemeral, one time use key pair for this transaction.

But some users lock it with their nostr keys.