Are clients verifying the authenticity of zaps? Probably not, it is too cumbersome. Cashu-based zaps would probably make that much easier..

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Gossip (in nostr-types) is apparently not doing it sufficiently. Looking over NIP-57 again, I'm seeing things I don't recall when I wrote the code. I'll get this issue fixed.
Verify the p tag, find its metadata, fetch its LUD address, extract the pubkey from the HTTP response and then validate the zap pubkey against that? I guess it's not that hard, but if the zap provider pubkey was included directly in the receiver metadata that would be much better.