One thing, though. I would find it useful if the presence of a file is
not the only permission "indicator". How about the first line being
either "OK", "UNKNOWN" or something else. In case of "OK", the sender
is permitted. In case of "UNKNOWN", this is a yet-unknown fingerprint,
which needs to be authorized by an operator but is not yet permitted
to send to us. This would solve the approval issue that is lingering
behind fingerprint authentication. Anything else would mean "not
permitted".
And if we go a little bit further, there could actually be two value
in the first line (or one each in the first two lines). The permission
state and the usage, e.g. "CLIENT" and "SERVER". In that case,
something flagged as CLIENT could only be used to authenticate a
sender, while a "SERVER" flag means we can authenticate the receiver
when we send.