Thanks for your reply. Now researching BIP46 and fidelity bonds and this could be a possible solution...

Discovered CoinJoin and this interesting post on github - https://clay-v.github.io/joinMarketDocs/users/fidelity-bonds.html#this-feature-is-incomplete-and-so-is-disabled-for-now

My main consideration is finding a way to generate timelocked addresses without having to build the code. Thinking about a simple to use interface...