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Use onion amount
amt_to_forward
for MPP set calculation
If routing nodes take less fees and pay the final node more than `amt_to_forward`, the receiver may see that `total_msat` has been met before all of the sender's intended HTLCs have arrived. The receiver may then prematurely claim the payment and release the payment hash, allowing routing nodes to claim the remaining HTLCs. Using the onion value `amt_to_forward` to determine when `total_msat` has been met allows the sender to control the set total.
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