fix(banking): treat 429 rate limit as transient, skip error status on sync (#224)

## Summary

- A `429 ASPSP_RATE_LIMIT_EXCEEDED` response from the bank's API was
incorrectly marking connections as `status=error`, blocking all future
syncs.
- Rate limit errors are transient — the connection is still valid and
should be retried on the next scheduled sync.
- Added `isRateLimitError()` check in the `catch` block of
`SyncBankingConnectionJob`: on 429, the job returns early without
updating the connection status or error message.

app/Jobs/SyncBankingConnectionJob.php

@@ -80,6 +80,10 @@ class SyncBankingConnectionJob implements ShouldBeUnique, ShouldQueue
                 'error' => $e->getMessage(),
             ]);
 
+            if ($this->isRateLimitError($e)) {
+                return;
+            }
+
             $connection->update([
                 'status' => BankingConnectionStatus::Error,
                 'error_message' => $this->friendlyErrorMessage($e),
@@ -203,6 +207,11 @@ class SyncBankingConnectionJob implements ShouldBeUnique, ShouldQueue
         return __('An unexpected error occurred during sync. Please try again later.');
     }
 
+    private function isRateLimitError(\Throwable $e): bool
+    {
+        return $e instanceof RequestException && $e->response->status() === 429;
+    }
+
     private function isAuthError(\Throwable $e): bool
     {
         return $e instanceof RequestException

tests/Feature/OpenBanking/SyncBankingConnectionJobTest.php

@@ -828,3 +828,34 @@ test('sends auth failed email for binance 403 error on final attempt', function
             && $mail->bankingConnection->id === $connection->id;
     });
 });
+
+test('rate limit error does not set connection status to error', function () {
+    $user = User::factory()->onboarded()->create();
+    $connection = BankingConnection::factory()->create([
+        'user_id' => $user->id,
+        'last_synced_at' => now()->subDay(),
+    ]);
+    Account::factory()->connected()->create([
+        'user_id' => $user->id,
+        'banking_connection_id' => $connection->id,
+        'external_account_id' => 'ext-123',
+    ]);
+
+    $transactionSync = Mockery::mock(TransactionSyncService::class);
+    $transactionSync->shouldReceive('sync')->andThrow(
+        new \Illuminate\Http\Client\RequestException(
+            new \Illuminate\Http\Client\Response(
+                new \GuzzleHttp\Psr7\Response(429)
+            )
+        )
+    );
+
+    $balanceSync = Mockery::mock(BalanceSyncService::class);
+
+    $job = new SyncBankingConnectionJob($connection);
+    $job->handle($transactionSync, $balanceSync);
+
+    $connection->refresh();
+    expect($connection->status)->toBe(BankingConnectionStatus::Active);
+    expect($connection->error_message)->toBeNull();
+});