Sorry, I've messed up the version numbers in the question. /usr/lib/libncurses.dylib and /usr/lib/libpanel.dylib are in 10.0 to 10.15. I'm now porting to mac OS 11 Big Sur which only had .tbd files.
Thanks for your help. Ignoring the fact that these are .tbd files and using -lpanel and -lncurses fixes the issue.