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Addresses review findings: - Remove insecure automatic encrypted-file credential-store fallback. now only uses real OS/keyctl-backed stores, or remains unavailable. Headless users must use explicit HERMES_KEYSTORE_PASSPHRASE if desired. - Add shared wallet runtime so tools/CLI/approval use the same configured providers and persisted policy state. - Inject keystore-backed secrets into gateway/headless startup too, so migrated .env stubs don't break messaging deployments. - Persist wallet policy state (freeze, daily totals, rate-limit timestamps, cooldown timestamps) across invocations. - Persist transaction history to disk across invocations. - Make owner-approved sends execute through the same runtime/policy path and record policy state after successful approved sends. - Fix wallet export by allowing explicit CLI export reads of sealed keys via dedicated requester path () instead of generic CLI reads. - Make CLI wallet sends evaluate policy before execution and honor freeze. - Align docs with actual crypto primitive (XSalsa20-Poly1305 via SecretBox) and current policy-config scope. Validation: - 129 tests passing - freeze persistence verified manually - wallet export verified manually