Defaults: direct ~12 hours, open ~6 hours (admin-configurable; users can pick expiry in a allowed range, e.g. 30–1440 minutes). Expired pending challenges refund escrow.
Jul 21, 2026
Defaults: direct ~12 hours, open ~6 hours (admin-configurable; users can pick expiry in a allowed range, e.g. 30–1440 minutes). Expired pending challenges refund escrow.
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