I think ndebit is missing a pre-authorization that the server should use to send me ndebits, without that, couldn’t any server spam me with ndebit requests? Sorry if i misunderstood the spec

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It's an open endpoint for requests, the user would then approve or whitelist the key upon request... This would allow request spamming of course, but since the requesting key is identity-based and not ephemeral like NWC, it allows for policies and automation around reputation that could suppress/report/ignore those