One issue I'm running into when implementing this is that you need access to the locked privkey to redeem the ecash.
If the ecash is locked to a key that you encrypt with NIP-44 and store on nostr you run into the issue of many (most?) extensions not implementing NIP-44. If the ecash is locked to your nostr key then you need that privkey.
This kinda sucks for web clients that don't allow nsec login unless I'm missing something.
Which extensions don't implement nip44?
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Nostr connect. Not sure about Amber bunker but I think FROST bunkers can't implement it.
Frost can't do encryption at all, but they are not widely used anyway yet, and probably won't be until encryption is solved. Amber does it iirc, nsec.app too