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lock/claim/refund with SHA-256 hashlock (BTC OP_SHA256 parity), value-safe transferFrom-delta funds-in, effects-before-interaction reentrancy safety, conservation invariant (balanceOf >= Σreserve, paid-out <= locked-in), disjoint claim(t<timeout)/refund(t>=timeout). No owner/pause/mint selector — non-custody structural. ERC20/wrapped only (native needs GetCallValue seam). Replaces the custodial lock-mint for cross-chain atomic swaps. Design: docs/htlc_atomic_swap.tex. Registered on C + Zoo. 17 tests incl. -race.