ERC-8316: Programmable Settlement Locks — DeFi Intel

I’m preparing to open a PR for a new ERC tentatively titled “Programmable Settlement Locks”, and wanted to start a thread first to introduce the proposal and provide a place for discussion. Context The proposal defines a minimal interface for value-bearing contracts to expose a common lock lifecycle: creation, update, delegation, spending, cancellation, and inspection. The primary use case is atomic settlement across systems that do not share the same asset model or visibility assumptions. This includes conventional token contracts such as ERC-20, shielded or private token systems, zero-knowle