Universal accounts without seed phrases

The plan is for a universal account to be authenticated with a zero-knowledge proof over a familiar login method, so the proof confirms control without publishing personal data onchain.

The target is no seed phrase to store and no per-chain address to track, with account state and settlement kept publicly auditable so verification does not depend on trusting HOODLER.

External wallets are meant to stay optional: connect one to move assets in or out, while day-to-day activity settles against the universal account.