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- Fix rate limiter to extract real client IP and handle sync/async endpoints - Rate-limit public enrollment (10/min) and program info (30/min) endpoints - Add 409 Conflict to non-retryable status codes in retry decorator - Cache private key in get_save_url() to avoid re-reading JSON per call - Make update_class() return bool success status with error-level logging - Move Google Wallet config from core to loyalty module config - Document time.sleep() safety in retry decorator (threadpool execution) - Add per-card retry (1 retry, 2s delay) to wallet sync task - Add logo URL reachability check (HEAD request) to validate_config() - Add 26 comprehensive unit tests for GoogleWalletService Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>