Did you know #bitcoin can make money wait?

Bitcoin’s developer docs describe `nLockTime` as the earliest time a transaction can be added to the blockchain, so miners and nodes should not include it until a specified block height or time is reached.

And that's why a transaction can be fully signed and cryptographically valid, yet still not eligible for inclusion until a future block height or time.

That is programmable money not just by owner, but by time.