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- AES-256-GCM encryption with envelope key management (HSM-ready) - Token generation with PAN fingerprinting and brand detection - RBAC authorization (tokenizer, operator, key admin, auditor roles) - Immutable audit logging for all vault operations - Card storage with multi-tenant isolation - HTTP API: tokenize, detokenize, metadata, delete, rotate - Comprehensive test suite (19 tests, all passing) Production TODOs: HSM backend, PostgreSQL storage, mTLS, append-only audit DB