BOLT 12 offers with a custom memo on the Spending receive page

Mining pools (Ocean) and payroll pay to a reusable offer rather than a
lightning address, and the memo is how the payer labels it. A
disclosure under the payment address mints one: the registrar's new
NIP-98'd /offer endpoint asks the ASP's CLN for an `amount: any` offer
carrying the memo, keyed to the caller's name (issuer = their address,
so two users' identical memos can't collapse onto one CLN offer). Up to
ten each, identical memos reuse the existing offer, and GET lists them.

Settled offer payments already had a home: the registrar's settle loop
now resolves a custom offer id to its owner and hands it to the same
forwarder the default offer uses — an instant, free arkoor send into
the user's Spending balance.

Co-Authored-By: Claude Fable 5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01Wvj4aoeMZwA7VUGdJP9Swi

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