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In order to use TLS 1.3 with schannel, you should use the SCH_CREDENTIALS structure instead of the SCHANNEL_CRED structure with AcquireCredentialsHandle().
SCH_CREDENTIALS - Win32 apps | Microsoft Learn
SchannelCred.grbitEnabledProtocols = SP_PROT_TLS1_3_CLIENT;
The SCHANNEL_CRED structure has been deprecated. Starting with Windows 10, 1809 (October 2018 Update), you should use SCH_CREDENTIALS. and you’ll notice that you can not specify protocol versions with SCH_CREDENTIALS. Beacause you have configured Windows 11 correctly, schannel will use the latest version of TLS so 1.3 will be used.
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