I first noticed this after downloading Miitopia, only to find that to my surprise Luma had crashed, something I had never seen before. I was able to narrow it down that it was not the game as I was able to get the game from another sourse that worked, and neither was it the fault of my L2 cache as another user with a O3DS had the same issue.
I even tried to download some other random title and try to run that, and got the same result so my conclusion is that there is something with how 3.1.3 install titles that causes Luma to crash.
I don't know if it would be of any use to you, but here's the dump file Luma created when it crashed.
(The site doesn't like the file format, or zip even so I just stuck it in my Dropbox.)