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papers/lp-305-quantum-secure-assets/sections/04-non-custodial-wallet-architecture.tex
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\section{Non-Custodial Wallet Architecture}
Every user receives a 2-of-3 MPC wallet on the Lux EVM:
\begin{enumerate}[nosep]
\item \textbf{User device} --- key share derived from WebAuthn PRF.
\item \textbf{ATS co-signer} --- auto-signs after compliance checks.
\item \textbf{Backup (cold)} --- Shamir recovery via
\texttt{luxfi/age} (X25519 + ML-KEM-768 X-Wing hybrid).
\end{enumerate}
Protocols: CGGMP21~\cite{cggmp21} for ECDSA (secp256k1), FROST for
EdDSA (Ed25519). HSM co-signing for settlement intents
(AWS KMS, GCP, Zymbit).
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