docs(architecture): add ADR-021, resolve OQ-22 — key rotation via version-indexed paths

Key rotation uses version-indexed derivation paths: each key version maps
to a distinct SLIP-0010 path (m/74'/2'/0'/{version-2}'). v2 is at index 0
(PATHS::ENCRYPTION), v3 at index 1, etc.

Mechanism:
- encryption_path_for_version(version) constructs the path
- decrypt derives the key at the version-indicated path (not always
  PATHS::ENCRYPTION)
- rotate(blob, to_version) decrypts with old key, re-encrypts with new
- No new mnemonic needed — same seed, different path
- Partial rotation is safe — old keys remain derivable
- The vault does not self-rotate; the assembly layer iterates blobs

Source drift flagged:
- decrypt currently ignores key_version for path selection (always uses
  PATHS::ENCRYPTION) — must use version-indexed paths
- rotate method does not exist in source — must be added
- CURRENT_KEY_VERSION must bump from 1 to 2 (per ADR-020, reinforced here)

OQ-22 resolved. Only OQ-21 (remote vault admin, deferred) remains.

docs/architecture/overview.md

@@ -211,6 +211,7 @@ All design decisions are documented as ADRs in [decisions/](decisions/).
 | [018](decisions/018-vault-standalone-crate.md) | Vault as Standalone Crate | Zero alknet crate dependencies; vault defines own types and errors |
 | [019](decisions/019-vault-assembly-layer-only.md) | Vault Assembly-Layer-Only Access | The assembly layer (CLI binary) is the sole direct caller; handlers never hold a vault reference |
 | [020](decisions/020-hd-derivation-for-encryption-keys.md) | HD Derivation for Encryption Keys | SLIP-0010 derivation from seed, not PBKDF2; salt field unused in v2 |
+| [021](decisions/021-key-rotation-via-version-indexed-paths.md) | Key Rotation via Version-Indexed Paths | Version-indexed derivation paths; `rotate` re-encrypts between versions |
 
 ## Open Questions
 
@@ -224,7 +225,7 @@ Open questions are tracked in [open-questions.md](open-questions.md). Key questi
 - **OQ-16**: Safe vault operations for call protocol exposure (resolved: none for now — see ADR-014)
 - **OQ-20**: Encryption key derivation (resolved: HD derivation, not PBKDF2 — see ADR-020)
 - **OQ-21**: Remote vault administration (deferred: network unlock not supported — see ADR-019)
-- **OQ-22**: Key rotation mechanism (open: versioning in place, workflow not specced — see [encryption.md](crates/vault/encryption.md))
+- **OQ-22**: Key rotation (resolved: version-indexed paths, `rotate` method — see ADR-021)
 
 ## Failure Modes