diff --git a/src/commonMain/kotlin/fr/acinq/lightning/NodeParams.kt b/src/commonMain/kotlin/fr/acinq/lightning/NodeParams.kt
index 9f3e26823..da7e7fd6f 100644
--- a/src/commonMain/kotlin/fr/acinq/lightning/NodeParams.kt
+++ b/src/commonMain/kotlin/fr/acinq/lightning/NodeParams.kt
@@ -218,7 +218,7 @@ data class NodeParams(
         enableTrampolinePayment = true,
         zeroConfPeers = emptySet(),
         paymentRecipientExpiryParams = RecipientCltvExpiryParams(CltvExpiryDelta(75), CltvExpiryDelta(200)),
-        liquidityPolicy = MutableStateFlow<LiquidityPolicy>(LiquidityPolicy.Auto(maxAbsoluteFee = 2_000.sat, maxRelativeFeeBasisPoints = 3_000 /* 3000 = 30 % */))
+        liquidityPolicy = MutableStateFlow<LiquidityPolicy>(LiquidityPolicy.Auto(maxAbsoluteFee = 2_000.sat, maxRelativeFeeBasisPoints = 3_000 /* 3000 = 30 % */, alwaysAllowPayToOpen = false))
     )
 
     sealed class Chain(val name: String, private val genesis: Block) {
diff --git a/src/commonMain/kotlin/fr/acinq/lightning/payment/LiquidityPolicy.kt b/src/commonMain/kotlin/fr/acinq/lightning/payment/LiquidityPolicy.kt
index 4df7c91ee..10cd58ceb 100644
--- a/src/commonMain/kotlin/fr/acinq/lightning/payment/LiquidityPolicy.kt
+++ b/src/commonMain/kotlin/fr/acinq/lightning/payment/LiquidityPolicy.kt
@@ -3,7 +3,6 @@ package fr.acinq.lightning.payment
 import fr.acinq.bitcoin.Satoshi
 import fr.acinq.lightning.LiquidityEvents
 import fr.acinq.lightning.MilliSatoshi
-import fr.acinq.lightning.utils.LoggingContext
 import fr.acinq.lightning.utils.MDCLogger
 import fr.acinq.lightning.utils.toMilliSatoshi
 
@@ -16,8 +15,9 @@ sealed class LiquidityPolicy {
      * Allow automated liquidity managements, within relative and absolute fee limits. Both conditions must be met.
      * @param maxAbsoluteFee max absolute fee
      * @param maxRelativeFeeBasisPoints max relative fee (all included: service fee and mining fee) (1_000 bips = 10 %)
+     * @param alwaysAllowPayToOpen always accept pay-to-open
      */
-    data class Auto(val maxAbsoluteFee: Satoshi, val maxRelativeFeeBasisPoints: Int) : LiquidityPolicy() {
+    data class Auto(val maxAbsoluteFee: Satoshi, val maxRelativeFeeBasisPoints: Int, val alwaysAllowPayToOpen: Boolean) : LiquidityPolicy() {
         /** Maximum fee that we are willing to pay for a particular amount */
         fun maxFee(amount: MilliSatoshi) = maxAbsoluteFee.toMilliSatoshi().min(amount * maxRelativeFeeBasisPoints / 10_000)
     }
@@ -26,13 +26,17 @@ sealed class LiquidityPolicy {
     fun maybeReject(amount: MilliSatoshi, fee: MilliSatoshi, source: LiquidityEvents.Source, logger: MDCLogger): LiquidityEvents.Rejected? {
         return when (this) {
             is Disable -> LiquidityEvents.Rejected.Reason.PolicySetToDisabled
-            is Auto -> {
-                val maxAllowedFee = maxFee(amount)
-                logger.info { "liquidity policy check: fee=$fee maxAllowedFee=$maxAllowedFee policy=$this" }
-                if (fee > maxAllowedFee) {
-                    LiquidityEvents.Rejected.Reason.TooExpensive(maxAllowed = maxAllowedFee, actual = fee)
-                } else null
-            }
+            is Auto ->
+                if (source == LiquidityEvents.Source.OffChainPayment && alwaysAllowPayToOpen) {
+                    logger.info { "liquidity policy check: fee=$fee maxAllowedFee=bypassed policy=$this" }
+                    null
+                } else {
+                    val maxAllowedFee = maxFee(amount)
+                    logger.info { "liquidity policy check: fee=$fee maxAllowedFee=$maxAllowedFee policy=$this" }
+                    if (fee > maxAllowedFee) {
+                        LiquidityEvents.Rejected.Reason.TooExpensive(maxAllowed = maxAllowedFee, actual = fee)
+                    } else null
+                }
         }?.let { reason -> LiquidityEvents.Rejected(amount, fee, source, reason) }
     }