v0.10.0 — Step-4: crystallized claims + lock-mode substrate

The off-chain engine for Dexter Tabs — byte-precise builders, encoders, and decoders for the dexter-vault V6 program. This release adds the Step-4 crystallized-claim (lock) substrate that backs lock-mode tabs.

New in 0.10.0

• Crystallized-claim reader: fetchVaultLockedClaims, decodeLockedClaim, and outstandingLockedAmount on readVaultFull — read the reservation tier that backs a lock-mode tab.
• settle_locked_voucher Swig ProgramExec marker in the creation bundle, so a fresh vault can settle crystallized claims.
• Factoring / instant-payout (buildInstantPayoutInstructions) selects the settle role dynamically by program-id + marker (works for fresh and backfilled vaults).

What it is

26 pinned Anchor discriminators, byte-parity locked by snapshot tests, per-counterparty SessionAccount PDAs, the LockedClaim terminal state machine, and the credit primitives. The on-chain program (Hg3wRaydFtJhYrdvYrKECacpJYDsC9Px7yKmpncj2fhc) is live on Solana mainnet; pre-audit.

Front door for apps is @dexterai/x402; this is the engine underneath.