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DAR-105 "Feature/ thirdweb erc4337 smart wallet"

The original scaffold (DAR-104) used ThirdWeb Engine's legacy POST /backend-wallet/create endpoint, which creates an EOA backend wallet — not a user-owned smart account.

This MR replaces that with the correct ERC-4337 Account Abstraction flow: each investor gets a deterministic smart contract wallet (counterfactual address) tied to their userId, signed by a shared admin backend wallet.

Closes DAR-105

Rapports de requête de fusion