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Privacy is the perimeter; trustless, non-custodial settlement is the payload

High-stakes commerce can't be built as a single-player game. Multi-party coordination is required. 2-of-3 FROST (buyer + seller + arbiter) removes centralized authority and substitutes physical law: Schnorr signatures

This identifies the missing engine that could turn Zcash from a "store of value" into a functional commerce layer