Just remembered -> https://memo.cash/profile/1DkKSF2yJVkVj1BhoKFnxHQcSm9t1tJQjm <- which solves points 2 . and 3. so I am back to the problem of address discovery.
The memopay bot works very well,
but having a native MEMO transfer-direct funds feature would cost a lot less overhead in transaction effort and costs.
