SC-W6-04: Refund Timeout Finalization

[Cedarich]

Complexity: 150 points
Branch: feat/sc-refund-timeout-finalization
Summary
Add deterministic timeout-based refund finalization so expired flows can resolve cleanly on testnet without manual intervention.
Tasks

• Define refund timeout rules in ledger/time terms.
• Implement state transitions that unlock refund eligibility once timeout passes.
• Add tests for boundary conditions around expiry windows.
• Emit events when timeouts are crossed and refunds become available.
  Acceptance Criteria
• Timeout-based refunds behave deterministically.
• Boundary conditions are covered by tests.
• Indexers can reconstruct refund availability from events.

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[opeolarewaju5-glitch]

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Hello Maintainer, I can fix this issue.

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[amankoli09]

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Can I work on this issue PR merge within 1hr

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[felladaniel36-hash]

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[veloura-dev]

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[SaviourBosan]

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