Have you tried to unlock a ZFS-encrypted home with pam_mount?

I found these related links:

https://blogs.oracle.com/solaris/user-home-directory-encryption-with-zfs-v2

https://old.reddit.com/r/linuxquestions/comments/g7t38d/mounting_an_encrypted_zfs_home_filesystem_at_user/

ZFS is not listed here:
http://pam-mount.sourceforge.net/pam_mount.conf.5.html

--
Pierre Neidhardt
https://ambrevar.xyz/