Mint a one-time link for the person being paid

The alternative to collecting bank details yourself. You send the amount
and who it is for on your side; we return a URL. The recipient enters
their own account details, so you never hold them.

Your Idempotency-Key is carried onto the link, so the payout it
eventually creates deduplicates against YOUR retry — not merely against
ours. Minting the same link twice cannot become two payments even though
a stranger spends them minutes apart.

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