feat(reputation): verifiable payment tier via NIP-57 zap receipts

A trade proof of ['proof','zap','<receiptId>'] is now checked by verifyZapReceipt
(kind-9735 signature + p = seller + decodable bolt11 amount + embedded 9734
request) and counted as paymentVerified, shown on TradeReputationCard as
'payment-verified (zap receipt)' - a real tier above the self-reported claim.
Honest ceiling: proves the seller's LNURL provider acknowledged a payment, not
that goods changed hands. NIP.md documents the zap proof variant.

AGENTS.md

@@ -942,8 +942,13 @@ session with **no other memory of this project**. So:
   relay yet**, so the honest values are 0 today. Related: `useTradeReputation`
   now exposes **`withPaymentProof`** — mutually-confirmed trades that carry a
   `proof` tag — surfaced on `TradeReputationCard` as *"with payment proof
-  (self-reported — not verified)"*, **never** as verification. (Remaining
-  anti-sybil: ring detection + PoW.)
+  (self-reported — not verified)"*, **never** as verification. **The one
+  verifiable tier (2026-10-01):** `["proof","zap","<receiptId>"]` is checked by
+  `src/lib/zapReceipt.ts` (`verifyZapReceipt`: kind-9735 signature + `p` = seller
+  + decodable bolt11 amount + the embedded 9734 request) and counted as
+  **`paymentVerified`** — shown as *"payment-verified (zap receipt)"*. Honest
+  ceiling: it proves the seller's **LNURL provider** acknowledged a payment, not
+  that goods changed hands. (Remaining anti-sybil: ring detection + PoW.)
 - **Reverse geocoding hits Nominatim — disclosed (2026-10-01).**
   `src/lib/geocodeRegions.ts` (`reverseGeocodeRegions` / `geocodeBigDataCloud` /
   `pushRegionTags`) is the **single source of truth**, used by **spot create, spot

NIP.md

@@ -3234,7 +3234,7 @@ The base NIP has no counterparty field for this use case, so we add:
 | `p` | The **other party** in the trade (required by us, marks a trade attestation) |
 | `method` | Self-reported payment method: `cash`, `lightning`, `trade`, `other` |
 | `amount` | Optional self-reported amount, `["amount","45000","SATS"]` |
-| `proof` | Optional `["proof","lninvoice","<payment_hash>"]` when the payer paid a BOLT11 that carried a `payment_hash` (e.g. from an accepted offer's `payment` pointer). |
+| `proof` | Optional payment evidence. `["proof","lninvoice","<payment_hash>"]` — a self-reported hash (a **claim**). `["proof","zap","<receiptId>"]` — a NIP-57 zap receipt the app can **verify** (signature + recipient + amount), which the UI shows as **payment-verified**. |
 | `rating` | Optional trade review, `1`–`10` (skateboard decks; 1 = bad, 10 = best). It's the reviewer's opinion, shown on both profiles; it is not proof or a score computed by the app. |
 
 `method`/`amount`/`rating` are **self-reported**, never proof of payment or a

src/components/TradeReputationCard.tsx

@@ -67,6 +67,12 @@ export function TradeReputationCard({ pubkey, className }: { pubkey: string; cla
             proof attached <span className="text-gray-600">(self-reported — not verified)</span>
           </p>
         )}
+        {data.paymentVerified > 0 && (
+          <p className="text-xs text-gray-500">
+            <span className="font-bold text-[#ccff00]">{data.paymentVerified}</span> payment-verified
+            <span className="text-gray-600"> (zap receipt)</span>
+          </p>
+        )}
         {singlePartnerWarning && (
           <p className="rounded-md border border-amber-500/30 bg-amber-500/10 px-2 py-1.5 text-xs text-amber-300">
             ⚠ Every confirmation is with the same account. Mutual confirmation is

src/hooks/useTradeAttestations.ts

@@ -2,6 +2,7 @@ import { useQuery } from '@tanstack/react-query';
 import { useNostr } from '@nostrify/react';
 import type { NostrEvent } from '@nostrify/nostrify';
 import { useNostrPublish } from '@/hooks/useNostrPublish';
+import { verifyZapReceipt } from '@/lib/zapReceipt';
 import { useCurrentUser } from '@/hooks/useCurrentUser';
 import { MARKETPLACE_ITEM_KIND } from '@/lib/types';
 
@@ -157,6 +158,11 @@ export interface TradeReputation {
    * not "verified".
    */
   withPaymentProof: number;
+  /**
+   * Trades whose `proof` is a **verified** zap receipt (kind 9735 — signature,
+   * recipient and amount all checked). The only client-verifiable tier today.
+   */
+  paymentVerified: number;
   /**
    * Distinct counterparties with at least one mutually-confirmed trade.
    *
@@ -189,7 +195,7 @@ export function useTradeReputation(pubkey: string | undefined) {
     enabled: !!pubkey,
     staleTime: 5 * 60 * 1000,
     queryFn: async (c): Promise<TradeReputation> => {
-      const empty: TradeReputation = { sales: 0, purchases: 0, verified: 0, withPaymentProof: 0, verifiedCounterparties: 0, verifiedWith: [], counterparties: [], attestations: [] };
+      const empty: TradeReputation = { sales: 0, purchases: 0, verified: 0, withPaymentProof: 0, paymentVerified: 0, verifiedCounterparties: 0, verifiedWith: [], counterparties: [], attestations: [] };
       if (!pubkey) return empty;
 
       const signal = AbortSignal.any([c.signal, AbortSignal.timeout(12000)]);
@@ -257,11 +263,33 @@ export function useTradeReputation(pubkey: string | undefined) {
         }
       }
 
+      // Payment-VERIFIED tier: only where a `proof` names a zap receipt we can
+      // actually check. Collect them, fetch once, verify each.
+      const zapProofs = new Map<string, string>(); // receiptId → expected seller
+      for (const ev of unique) {
+        const proof = ev.tags.find(([t]) => t === 'proof');
+        if (proof?.[1] !== 'zap' || !proof[2]) continue;
+        const coord = parseListingCoord(ev.tags.find(([t]) => t === 'a')?.[1]);
+        if (coord) zapProofs.set(proof[2], coord.pubkey);
+      }
+      let paymentVerified = 0;
+      if (zapProofs.size > 0) {
+        const receipts = await nostr.query(
+          [{ kinds: [9735], ids: [...zapProofs.keys()], limit: 100 }],
+          { signal },
+        );
+        for (const r of receipts) {
+          const expected = zapProofs.get(r.id);
+          if (expected && verifyZapReceipt(r, expected).valid) paymentVerified += 1;
+        }
+      }
+
       return {
         sales,
         purchases,
         verified,
         withPaymentProof,
+        paymentVerified,
         verifiedCounterparties: verifiedWith.size,
         verifiedWith: [...verifiedWith.entries()].map(([pubkey, count]) => ({ pubkey, count })),
         counterparties: [...counterparties],

src/lib/zapReceipt.ts

@@ -0,0 +1,66 @@
+/**
+ * Verifying a payment claim that CAN be checked: a **NIP-57 zap receipt**.
+ *
+ * A `31871` may carry `["proof","zap","<receiptId>"]`. A zap receipt (kind 9735)
+ * is signed by the recipient's **LNURL server** after it received the payment,
+ * so — unlike a hand-typed invoice hash — it is independently checkable by
+ * anyone: we fetch the receipt, verify its signature, that it pays the expected
+ * seller, and what it paid.
+ *
+ * ⚠️ Honest ceiling: the receipt is only as trustworthy as the seller's own
+ * LNURL provider. It proves *that provider* acknowledged a payment to that
+ * seller — not that goods changed hands. Still, it is a real cryptographic
+ * signal, a tier above a free-text claim.
+ */
+import { verifyEvent } from 'nostr-tools';
+import type { NostrEvent } from '@nostrify/nostrify';
+import { getSatoshisFromBolt11 } from '@/lib/bolt11';
+
+export interface ZapReceiptCheck {
+  valid: boolean;
+  sats: number;
+  reason?: string;
+}
+
+/**
+ * Verify a kind-9735 zap receipt pays `expectedRecipient`.
+ * Never throws — returns `{ valid: false, reason }` on any problem.
+ */
+export function verifyZapReceipt(receipt: NostrEvent, expectedRecipient: string): ZapReceiptCheck {
+  if (receipt.kind !== 9735) return { valid: false, sats: 0, reason: 'not a zap receipt' };
+  if (!verifyEvent(receipt)) return { valid: false, sats: 0, reason: 'bad receipt signature' };
+
+  const recipient = receipt.tags.find(([n]) => n === 'p')?.[1];
+  if (recipient !== expectedRecipient) return { valid: false, sats: 0, reason: 'recipient mismatch' };
+
+  const bolt11 = receipt.tags.find(([n]) => n === 'bolt11')?.[1];
+  if (!bolt11) return { valid: false, sats: 0, reason: 'missing invoice' };
+
+  let sats = 0;
+  try {
+    sats = getSatoshisFromBolt11(bolt11);
+  } catch {
+    return { valid: false, sats: 0, reason: 'undecodable invoice' };
+  }
+  if (!Number.isFinite(sats) || sats <= 0) return { valid: false, sats: 0, reason: 'no amount' };
+
+  // The embedded `description` is the original zap request (kind 9734); when
+  // present it must also name the same recipient.
+  const description = receipt.tags.find(([n]) => n === 'description')?.[1];
+  if (description) {
+    try {
+      const request = JSON.parse(description) as NostrEvent;
+      if (request.kind && request.kind !== 9734) {
+        return { valid: false, sats, reason: 'description is not a zap request' };
+      }
+      const requestRecipient = request.tags?.find(([n]) => n === 'p')?.[1];
+      if (requestRecipient && requestRecipient !== expectedRecipient) {
+        return { valid: false, sats, reason: 'zap request recipient mismatch' };
+      }
+    } catch {
+      return { valid: false, sats, reason: 'unparsable description' };
+    }
+  }
+
+  return { valid: true, sats };
+}