Centralized wallets will strangle this functionality, just like Visa and Mastercard suffocate true innovation, serving the Federal Reserve's stranglehold.

End receiver has to share that invoice though I assume? so it's still a trusted serve, and may be less efficient route and more failure prone than just 3 distinct invoices Interesting concept though if I'm wrong

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I like that! Because I presume the payment to Alice, Bob and Carol is atomic in the sense all or nothing.

> End receiver has to share that invoice though I assume? It's not strictly necessary. You could use a keysend payment to pay a group of nodes atomically without getting an invoice from the recipient. But if you *do* get an invoice from the recipient, that doesn't mean you are trusting him. The invoice need not contain a list, created by the end node, of the people to pay. It *could* contain such a list, since ln invoices support custom fields; but it could also just be an ordinary ln invoice, and the sender could choose what additional nodes to pay through some out-of-band method. The point is, LN routing works by atomically splitting a large amount into small sums which are dropped off node by node, atomically, and this can be turned into a payment splitting function by rendering each payment as just a large routing fee. But it has some drawbacks, like not working well if a recipient does not run a routing node.