feat(reputation): surface 'payment proof' as its own tier, never as verified

The proof tag is self-reported and unverifiable client-side, so it must not read
as proof of payment. useTradeReputation now exposes withPaymentProof (mutual
trades carrying a proof), shown on TradeReputationCard as 'with payment proof
(self-reported - not verified)' distinct from the verified count.

AGENTS.md

@@ -927,8 +927,11 @@ session with **no other memory of this project**. So:
   plus `tradedCount` (mutual trades) + `tradedTraders` (distinct people), and
   keeps `tradedSatsClaimed` (the raw claim) so the card shows both. New query
   fields ⇒ `PERSIST_BUSTER` → **v5**. **There are no trade attestations on the
-  relay yet**, so the honest values are 0 today. (Broader anti-sybil plan —
+  relay yet**, so the honest values are 0 today. Related: `useTradeReputation`
-  claimed-vs-verified tiers, ring detection, PoW — is a follow-up.)
+  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.)
 - **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

src/components/TradeReputationCard.tsx

@@ -61,6 +61,12 @@ export function TradeReputationCard({ pubkey, className }: { pubkey: string; cla
             ? `${data.verified} mutually-confirmed ${data.verified === 1 ? 'trade' : 'trades'} with ${people} ${people === 1 ? 'person' : 'people'}`
             : 'Awaiting mutual confirmation'}
         </p>
+        {data.withPaymentProof > 0 && (
+          <p className="text-xs text-gray-500">
+            <span className="font-bold text-[#ccff00]">{data.withPaymentProof}</span> with a payment
+            proof attached <span className="text-gray-600">(self-reported — not verified)</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

@@ -150,6 +150,13 @@ export interface TradeReputation {
   purchases: number;
   /** Deals where both sides attested the same listing. */
   verified: number;
+  /**
+   * Mutually-confirmed trades that ALSO carry a `proof` tag (a payment claim).
+   * ⚠️ The `proof` is self-reported and the app does NOT verify it — it is a
+   * stronger *claim*, never evidence of payment. Show it as "with payment proof",
+   * not "verified".
+   */
+  withPaymentProof: number;
   /**
    * Distinct counterparties with at least one mutually-confirmed trade.
    *
@@ -182,7 +189,7 @@ 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, verifiedCounterparties: 0, verifiedWith: [], counterparties: [], attestations: [] };
+      const empty: TradeReputation = { sales: 0, purchases: 0, verified: 0, withPaymentProof: 0, verifiedCounterparties: 0, verifiedWith: [], counterparties: [], attestations: [] };
       if (!pubkey) return empty;
 
       const signal = AbortSignal.any([c.signal, AbortSignal.timeout(12000)]);
@@ -214,6 +221,7 @@ export function useTradeReputation(pubkey: string | undefined) {
       let sales = 0;
       let purchases = 0;
       let verified = 0;
+      let withPaymentProof = 0;
 
       for (const [key, attestations] of byListing) {
         const coord = parseListingCoord(key);
@@ -232,6 +240,11 @@ export function useTradeReputation(pubkey: string | undefined) {
             for (const a of attestors) {
               if (a !== pubkey) verifiedWith.set(a, (verifiedWith.get(a) ?? 0) + 1);
             }
+            // A `proof` tag is a payment CLAIM, not verification — count it on its
+            // own tier so it is never confused with a confirmed trade.
+            if (attestations.some((e) => e.tags.some(([t]) => t === 'proof'))) {
+              withPaymentProof++;
+            }
           }
 
           // Record counterparties (everyone else who attested this listing).
@@ -248,6 +261,7 @@ export function useTradeReputation(pubkey: string | undefined) {
         sales,
         purchases,
         verified,
+        withPaymentProof,
         verifiedCounterparties: verifiedWith.size,
         verifiedWith: [...verifiedWith.entries()].map(([pubkey, count]) => ({ pubkey, count })),
         counterparties: [...counterparties],