payjoin / rust-payjoin / 16750868059

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Add default directory to payjoin-cli (#874)

# SUMMARY

This PR enables payjoin-cli to automatically discover config files in
standard locations following XDG Base Directory specification or use the
current working directory. config values in the current working
directory takes precedent over that of the xdg-compliant value. If a
required config value is missing in the current directory config,
Payjoin-cli falls back to using values from the xdg-compliant directory
config .

This pr closes #64

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