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X-Ray Privacy v2: Multi-Sig & Stealth Addresses #226

@Cedarich

Description

@Cedarich

Status: Open (Wave 3 – privacy)
Labels: Backend, Privacy, Soroban
Complexity: High (200 points)
Branch: feat/xray-v2

Summary
Harden the privacy features by integrating stealth address logic or multi-sig requirements for released funds.
Tasks

  • Coordinate with Soroban contracts to support stealth address generation.
  • Update backend metadata to handle encrypted recipient data.
  • Implement secure key-derivation helpers (server-side, non-custodial).
    Acceptance Criteria
  • Enhanced privacy features are functional and pass security audits.

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