@shortwavesurfer2009 thanks for the feedback. I took it back to Corey (who's helping build the app simulation), here's his reply, and tl;dr we fixed it, via a new release.
"Fair point, and you’re right that 10 confirmations isn’t a protocol requirement for knowing you’ve been paid. Monero’s 10-block rule is about when a received output can be spent, not when a payment is real. We defaulted to 10 because Muster treats “confirmed” as final (receipts and settle-up build on it), and recent selfish-mining episodes produced reorgs several blocks deep. But the risk is the payee’s, so it should be the payee’s call. We’ll make the confirmation depth part of the request: the payee picks it (0–1 for a cable, 10 for something big), the payer sees and agrees to it, and the card says exactly what “confirmed” means for that deal.
For the shared multisig wallet, 10 mostly stays: each spend’s change comes back locked for 10 blocks, so the next spend has to wait about that long anyway."
@shortwavesurfer2009 thanks for the feedback. I took it back to Corey (who's helping build the app simulation), here's his reply, and tl;dr we fixed it, via a new release.
"Fair point, and you’re right that 10 confirmations isn’t a protocol requirement for knowing you’ve been paid. Monero’s 10-block rule is about when a received output can be spent, not when a payment is real. We defaulted to 10 because Muster treats “confirmed” as final (receipts and settle-up build on it), and recent selfish-mining episodes produced reorgs several blocks deep. But the risk is the payee’s, so it should be the payee’s call. We’ll make the confirmation depth part of the request: the payee picks it (0–1 for a cable, 10 for something big), the payer sees and agrees to it, and the card says exactly what “confirmed” means for that deal.
For the shared multisig wallet, 10 mostly stays: each spend’s change comes back locked for 10 blocks, so the next spend has to wait about that long anyway."
The release notes explains what and why things have changed in Muster:
https://github.com/corpetty/muster/releases/tag/muster-v0.3.2