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Memo 0x94979ffc…8d446a on Ethereum

# TIP-072v3: Reduce Redemption Default Delay to 15 Minutes and Introduce Waived Amount parameter ## tl;dr Reduce the **default redemption delay** from **2 hours → 15 minutes** by updating `_defaultDelay` from **7200 → 900 seconds**, and set a **5 BTC waived amount limit** so redemptions can finalize faster and offer a better user experience. ## Background The redemption delay exists to provide a buffer for monitoring and validation before a BTC redemption is finalized. As operational processes have matured, a shorter delay improves efficiency and user experience without reducing safety. A small waived amount threshold allows low-value redemptions to clear immediately while keeping the veto mechanism focused on larger, higher-impact flows. ## Proposal Update the Redemptions Guardian parameters as follows: * Update `_defaultDelay` to **900 seconds (15 minutes)**. * Update `_waivedAmountLimit` to **5 BTC (500,000,000 sats)**. All other Redemptions Guardian parameters remain unchanged from their current values: * `watchtowerLifetime = 93,312,000` * `vetoPenaltyFeeDivisor = 20` * `vetoFreezePeriod = 2,592,000` * `levelOneDelay = 28,800` * `levelTwoDelay = 86,400` ## Notes * No contract upgrades are required. * Only `_defaultDelay` and `_waivedAmountLimit` are modified; all other parameters are unchanged. * The 5 BTC waived threshold is intended to keep small, routine redemptions frictionless while preserving controls for larger transactions.