We formulate a “bank–loan” mechanism for quantum-gravity-like fluctuations inside the R⁸ leaf–bank framework, where a single structural resource—projection leakage ε—acts as the common causal origin for (i) time as a finite update/cost (“fine step”), (ii) a universal causal cone (effective c), and (iii) spacetime curvature via gradients of s ≔ log ε in a conformal metric gμν = e^{-s}ημν. When ε is shared across identical phase leaves (interpretable as 24 “leaf–universes” labeled by i ∈ ℤ₂₄ under BF Z_k governance with benchmark k = 24), the mean allocation ε̄ = ε_tot/24 is not a tunable parameter but a kinematic consequence of leaf equivalence: any persistent leaf-dependent bias would be a forbidden spurion. The framework therefore allows only AC, zero-sum excitations δε_i(t,x) with Σ_i δε_i = 0 and long-time mean ⟨δε_i⟩ = 0. These excitations are interpreted as short-lived “loans” of ε between leaves (or via the Bank), not as violations of energy conservation. The unique leaf-side interface to the Bank is the Higgs avatar, whose response is encoded by a seven-seal high-pass transfer p(ω) = ∏_{j=1}^7 ω²/(ω²+Λ_j²) and a conservative leakage bookkeeping p_eff(ω) = max{p(ω), ε_0}. A nonzero residual static leakage floor ε_0 is a “kill-switch”: it collapses the intended high-pass protection, widens instability tongues, and threatens luminality/WEP constraints through effective low-q contamination. We formalize a Bank–Loan Certifier as a five-step PASS/FAIL procedure that merges (a) seven-seal Floquet spectroscopy of coupled-seal parametric scanning (Arnold tongues via μ(Ω) = (1/T) ln ρ(M(Ω))) with (b) the delayed-loop flutter stability toy. The latter defines an effective damping Γ_eff(ω) = Γ_B + ImΣ(ω)/(2ω), with flutter windows identified by Γ_eff(ω) < 0. Delays rotate complex response according to Im{χ(ω)e^{iωτ}} = Imχ(ω)cos(ωτ) + Reχ(ω)sin(ωτ), producing narrow “delay tongues” where gain can occur. A key risk regime arises when three leaves in a Bank-defined triad phase-lock their Higgs drives. Coherent triads produce N² leverage (N = 3) in the effective coupling g_eff², allowing transient opening of flutter windows even when incoherent leaves are stable. An episodic Higgs auto-brake acts as the Bank enforcer: it adds absorptive authority ΔΓ to restore min_ω Γ_eff(ω) ≥ 0, preventing DC drift and returning the system to the admissible operator locus. A toy calibration in the Prospectus defines a MeV-equivalent absorptive budget and reports an approximate plateau ΔΓ_boost,eq^plateau ≃ 20.62 MeV at a PASS boundary scan; this is explicitly not a claim of time-modulating the SM Higgs width, but a mapping target for off-shell or rare-channel observables. We report a reproducible synthetic benchmark using an emerald-like spectrum (one isolated mode plus a quasi-degenerate band) and seven-seal knees. Scanning ω ∈ [0.01, 6] and τ ∈ [0.1, 6] yields a best delay window near τ ≃ 2.1 (toy units) with flutter onset g_eff²,crit ≃ 4.56. At 2% above threshold, the flutter bandwidth fraction is ≈ 1.4×10^{-3} (≈ 0.14%), confirming that “heist windows” are narrowband. Triadic phase-locking reduces the per-leaf threshold by ≈ 9×, while ε_0 ≥ 0.05 broadens flutter windows by orders of magnitude (up to O(10^{-1}) fractional bandwidth at ε_0 = 0.1). Auto-brake closure requires ΔΓ ≈ −min Γ_eff, scaling predictably with overdrive. As a corollary, we record a generic UV–IR seesaw scaling for sequestered vacuum offset with damped-driven residual acceleration: ρ_ss ∼ (H/Γ) Λ^4. Taking H_0ħ ∼ 1.5×10^{-33} eV and Γ ∼ 20.62 MeV gives ρ_ss ∼ 10^{-11} eV^4 (the observed dark-energy order of magnitude) up to O(1) factors, suggesting a mapping target where dark energy is a residual of AC-only borrowing under Bank damping rather than a fundamental tiny bare scale. We conclude with falsifiers and observational handles: Clause–U luminality, leakage-floor control, the existence/structure of delay tongues, auto-brake mapping to collider observables without fifth forces, and seal-imprinted cosmological signatures (including w(z) ≠ −1 at some level). {Seven-Seals Spectroscopy as a Certifier.}We operationalize the seven-seal interface by its transfer-function fingerprint,$p(\omega)=\prod_{j=1}^{7}\omega^{2}/(\omega^{2}+\Lambda_j^{2})$,and certify admissible coupling by scanning the driven response and extracting the Floquet/Arnold-tongue map.In the admissible regime, excitation is confined to narrow, pre-registered windows (local-window addressability),while any nonzero static floor $\varepsilon_0$ (modeled conservatively by $p_{\rm eff}=\max\{p,\varepsilon_0\}$) functions as akill-switch that broadens tongues and flags forbidden DC leakage.The tongue map therefore serves as a compact, reproducible spectral signature of seven-seal governance.