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\section{Conclusion}
The design combines lattice-based threshold cryptography, TFHE-backed
homomorphic CRDT merge, non-custodial MPC wallets (CGGMP21 + FROST),
and three-mode regulatory disclosure. Every component is anchored in
Lux production code --- \texttt{luxfi/fhe}, \texttt{luxfi/lattice},
\texttt{luxfi/mpc}, \texttt{luxfi/age}, \texttt{luxfi/standard} --- with
formal verification artefacts in \texttt{luxfi/proofs}.
\bibliographystyle{plain}
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