To Do
- rendezvous-intermediary negotiation in case neither payer nor recipient recognize each other's routing ID
- out-of-bounds request flag on payments (for gifts, donations, etc.)
- recipient can accept or decline
- if account exists between payer and recipient, allow payment to move balance outside existing credit limits
- if no account exists between payer and recipient, create an account with credit limits of zero (reflecting the fact that no trust exists), and an initial out-of-bounds balance reflecting the payment
(Actually, this can be accomplished with an account-request to set the balance to the desired spot, and create the new account if necessary.)