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Direct transfers should not pay mediation fees #4815

@rakanalh

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@rakanalh

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In #4760, a 2% mediation fee gets added to a certain transfer per hop. This is currently causing problems in the scenario where the target is a direct neighbour of the initiator.

Using internal routing, when no mediation takes place and a transfer is direct between X & Y, there should be no mediation fees added to the transfer.

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