ERC-8366: Zero-Knowledge Spending Policies — DeFi Intel

Abstract This ERC standardizes zero-knowledge spending policies : a composable function set that any contract holding a user’s funds (a dedicated escrow, a smart wallet, an ERC-4337 account, or an EIP-7702-delegated EOA) can implement to release those funds only against a zero-knowledge proof that the payment satisfies a spending policy the owner registered in advance. Implementing the set turns the contract into a policy escrow for the funds it holds; the standard is the function set and its verification semantics, not a contract type. A policy is registered once as a commitment, so its param