If ecash is being sent from npub to npub on relays only, how do you verify that the Bitcoin exists without withdrawing it to a Bitcoin wallet?

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You don't.

Mints can rug you.

Same with custodial lightning.

But you know this. 😘

Can you verify there's an actual ecash mint that is issuing the tokens? Genuine question.

You redeem it on receipt and likely sweep to one of your own trusted mints via lightning.