Oracle-Permissioned ERC-20 with ZK-Verified ISO 20022 Payment Instructions

EIP 7963, proposed by Ant International, extends ERC-20 tokens so that transfers succeed only when an external "Transfer Oracle" has pre-approved them, using off-chain payment instructions in a standardized JSON format proven on-chain with zero-knowledge proofs. Each approval is single-use and covers an inclusive amount range, and the oracle SHOULD consume the smallest matching range to preserve larger approvals. The payment instruction format is compatible with ISO 20022 pain.001, and the reference implementation uses RISC Zero as the proving system, though the standard permits any ZK proof system. The reference implementation reports 80 passing smart contract tests, 34 passing Rust unit tests and 11 passing integration tests.