Handler for deriving encryption context from authenticated user info.
Note: Must be an async function as it may involve I/O operations.
The context handler is called once per request in middleware (after auth),
allowing encryption context to be derived from JWT claims, user properties,
or other auth-derived data instead of requiring a separate X-Encryption-Context header.
The return value becomes ctx.metadata for subsequent encrypt/decrypt operations
and is persisted with encrypted data for later decryption.
Note: ctx.model and ctx.field will be None in context handlers since
the handler runs once per request before any specific model/field is known.