I have been working on a "bot" for operating on various websites. I want the bot to be able to accept and send XLM between two parties, even if the receiving party doesn't yet have a XLM address.
The idea is to build a way to ask questions to the community and get rewarded for the right answers. If people want, they can put a "bounty" on the question being asked, and then promise that the "bounty" is paid out to the best answer.
Beyond creating an interim XLM address (which seems risky
This is a great idea but with high security risks. You can ask the user to provide the public key to get the reward or to generate a new address/secret so you can send them the money without ever talking back to the server after the account creation, also the code must be publicly available, peer reviewed and approved by the community to gain more trust. People should be able to transfer the funds easily to other private accounts they own so new accounts will be temporary in nature.
Remember that trust is the most important aspect when dealing with users money.
Regarding the SDK, if the account does not exist you should use the 'createAccount' method for that purpose or the transaction will be rejected if sent as 'payment' to a non-existing account.
HTH
