SCAM LOCKOUT CANOPY SYSTEM™ — Scam Lockout Canopy System — Universal Heartbeat-Verified Real-Time Fraud and Content-Risk Certification Architecture with Sovereign Regulatory Compliance Layer, Cross-Platform Interoperability, and Multi-Vertical Detection Framework for Deployment Across All Existing and Future-Developing Consumer-Facing Online Platforms in English-Language and Non-English-Language Jurisdictions with Consumer-Endpoint Verification Indicia and Sovereign-Enforceable Certification Ledger