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If the sender has no attached wallet, no CCs, and no reward sats, a QR will pop up.
If the receiver has an attached wallet (that doesn't fail to make an invoice), paying the QR will send sats to the receiver's attached wallet.
If the receiver does not have an attached wallet, paying the QR will buy CCs and zap them to the receiver.
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So if one doesn't have an attached wallet and no CCs, they can't zap somewhere else without an attached wallet either?