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Bitcoin sends use nLockTime = 0 (anti-fee-sniping + payjoin fingerprint) #3361

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@bc1cindy

Cake sets nLockTime = 0 on all BTC txs; Core/Electrum use tip + ~10% backdate, so no anti-fee-sniping, and payjoins diverge from other impls

Locktime is never set, defaulting to 0 in two paths, a wallet-wide fix must touch both:

proposal: replicate Core (tip; 10% max(0, tip-rand(0..99)); 0 if unsynced) via a shared helper, passed into both builders.

ref: payjoin/rust-payjoin#1676

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