@cursoragent review this PR please

PR Review Summary

I've completed a thorough review of this PR. The implementation is well-structured and comprehensive, with excellent test coverage (99.7%). Here's my detailed assessment:

✅ Strengths

1. Excellent test coverage - 99.7% overall, with comprehensive test suites for both services
2. Clean architecture - Good separation between NeoBankService (high-level) and WalletRegistrationService (focused HTTP client)
3. Proper retry logic - POST requests correctly use #noRetryPolicy to avoid duplicate mutations
4. Thorough error handling - WalletRegistrationError with discriminated kind field for state machine transitions
5. Well-documented - Clear JSDoc comments explaining behavior and API contracts
6. Changelog follows conventions - Properly formatted with all required details

🔴 Critical Issue: Type Safety Problem

There's a type safety bug in the isRetryableError function:

function isRetryableError(error: unknown): boolean {
  if (error instanceof HttpError) {
    if (error.httpStatus === 429) {
      return true;
    }
    return error.httpStatus < 400 || error.httpStatus >= 500;
  }
  return true;
}

Problem: Lines 44 and 47 access error.httpStatus but line 47 is outside the instanceof HttpError check. TypeScript correctly flags this as unsafe because after the inner if (error.httpStatus === 429) returns, we're no longer guaranteed error is an HttpError.

Fix: The logic is actually correct, but needs restructuring:

function isRetryableError(error: unknown): boolean {
  if (error instanceof HttpError) {
    return error.httpStatus === 429 || 
           error.httpStatus < 400 || 
           error.httpStatus >= 500;
  }
  return true;
}

📝 Minor Observations

1. Consistent with existing patterns - Follows the same structure as TransakService ✅
2. Proper idempotency key handling - Supports caller-supplied keys with fallback generation ✅
3. Good URL construction - Uses /neobank prefix as documented ✅
4. Wallet registration correctly isolated - Lazy initialization avoids eager base URL resolution ✅

✅ Test Quality

The test suites are exemplary:

• Mock nock intercepts verify exact HTTP behavior
• Edge cases well-covered (malformed responses, network failures, retries)
• Proper error kind mapping validation
• Idempotency key forwarding verified

🎯 Recommendation

Fix the type safety issue in isRetryableError and this PR will be ready to merge. The implementation is solid otherwise.