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Backend: - MFA TOTP via pquerna/otp: generate secret, verify code, enforce at login - KMS client: real AES-256-GCM encryption with Argon2id key derivation - Smart wallet handlers: propose/execute Safe tx, submit UserOp via DB - 9 new KMS tests, all 27 API tests passing Frontend: - Dashboard home fetches real vault/wallet counts, transactions, cluster status - User menu shows actual logged-in email instead of hardcoded placeholder - Reshare page connected to real API - Smart wallet detail connected to real API (propose, execute, user-op) - Loading/error states throughout