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[Security][UX] Add optional password protection for hot key (BIP39) usage on wallet unlock #2088

@MatheyBTC

Description

@MatheyBTC

Context:
While testing Liana Wallet v14 RC, I noticed that wallets using a locally stored hot key (BIP39) can be accessed without requiring a password at application startup or before signing.

⚠️ Problem
For wallets using a hot key stored on the same device, there is no additional authentication layer before accessing or signing transactions.

This creates risks in scenarios such as:

  • Unauthorized access to the device
  • Malware or session hijacking
  • Shared computers

Proposed Improvement: Add optional password protection layer when:

  • Opening the wallet
  • Or before signing transactions

Option 1 (recommended): Password required on app launch if hot key is present
Option 2: Password required only when signing
Option 3 (advanced):

  • Configurable:
  • Unlock wallet (view only)
  • Require password for signing

Security Considerations:
This does NOT replace, but adds a practical local protection layer for hot wallets.

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