a cashu mint is just a lightning node, so it can accept lightning payments. But, people who use the mint are issued tokens (nuts) for their equivalent sats with the custodian. So, anyone can zap a cashu address (because it just goes to the lightning node), and you don't need to set up a wallet to get a token address. So any new person on nostr automatically has a cashu wallet and can receive payments right away.

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Npub.cash is centralized though right? Was thinking relays become mints to keep funds decentralized... But there's risk there. Maybe clients just recommend a handful of respected mints

Oh! That was very concise, thank you!