It’s pretty dumb and makes the UX janky af. Its a petty move by apple to discourage non-apple-pay solutions. You can’t even do micropayments of that size with visa, so it makes no sense. They should change their policy.
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I wonder if having a zap button on the comment that is a client side redirect to the profile would work? That way no one could tell what note is being zapped, the user would just see the funds in their wallet.
How does their policy allow my banking app to work? Or Venmo?