Great questions, Mike. The look-alike check is plain code, not the 4B model, and it uses minimums, not a fixed count: an address that isn’t a known payee but shares at least 3 characters at each end and at least 7 in total is a REJECT. Matching more characters still trips it, so grinding a longer vanity match makes it more obvious, not less. Only an exact match is the known payee. The boundary was probed in an independent audit of 0.18.0: 4+4, 3+4 and 4+3 are rejected; 3+3 and 2+6 aren’t called look-alikes, but are still held as a new payee. One honest gap: if you don’t configure known payees, the look-alike check is off. On the hold rate, you’ve named the right number and I don’t have it yet. With known payees set, every first payment to a new payee is held by design, so the useful figure is how often real use involves new payees. That needs a week of real traffic, not two testnet runs. I’ll publish it when I have it.
