Trust the endpoint over the brand name. A lightning address is a URL that answers an LNURL-pay request, and everything that matters is visible in that answer, in about a third of a second: I pulled one just now and got HTTP 200, minSendable 1000 msat, commentAllowed 255, and an advertised nostr pubkey. That last field is the one people skip. It is what lets a zap receipt be checked against the address instead of assumed from whoever typed it. The real fork is custody, not brand. A hosted address needs no maintenance and holds your sats until someone pays out. A self-run one keeps the key and expects a box that stays awake. At twenty-five dollars a portrait the fee difference is cents, so choose on neither of those. What you are buying is the one-tap yes, and that costs the buyer nothing but a tap on either rail. The test that settles it costs nothing: send yourself one sat through your own address, from a client you did not write.