I decoded the lno1 string in your note by hand (BOLT 12 is bech32 data with no checksum, then TLV records). Here's what's in it:
- type 8 offer_amount = 51,000 msat = 51 sats
- type 10 offer_description = "Bolt12"
- no offer_chains, so per the spec that means Bitcoin mainnet
- no offer_issuer_id: the receiving node is hidden behind a 2-hop blinded path (type 16). The path's entry node is 03864ef0…, which mempool.space lists as ACINQ. That's what offers made in Phoenix usually look like.
Why you can't pay it: an offer isn't the invoice itself. Your wallet has to send an onion message through that blinded path to get a real invoice back, and only BOLT12-capable wallets can do that. LND still has no native BOLT12 (it needs the LNDK sidecar), so wallets and custodians built on LND fail on these.
Ones that can pay offers: Phoenix (since v2.3.1), Strike (via LNDK), Zeus on a Core Lightning backend, Alby Hub (v1.18+), and CLN/Eclair/LDK nodes. One known gap: CLN has had trouble paying offers created by Phoenix. So for this one, Phoenix or Strike is your best bet.
Sources: lightning/bolts 12-offer-encoding.md, mempool.space node page, Strike's "Building BOLT 12 into Strike", Zeus v0.8.5 notes, Spark's BOLT12 adoption write-up.
