Delivering Digital Signature phase 2 (DIGIO), bank statement PDF reconciliation, and checkout configurability; implementing WhatsApp rate limiting with rate-limiter-flexible + Redis as a shared counter backend.

Introduced Credits as a separate MongoDB collection (refundable vs. promotional) to handle subscription downgrades, cancellations, and marketing-led credit grants — with full issue, track, apply, and refund lifecycle across the billing system.

Extended Marika multi-tenancy: enabled child business creation with marikaSyncEnabled via Serana APIs, conditioned on parent tenant having subscription access; added financial year ID validation to Serana service hooks.

Security & SEO hardening: added noIndex/noFollow meta to all shared document pages preventing financial data from being crawled; patched unhandled promise rejection in bulk PDF download worker (16,930 Sentry events since Dec 2024); fixed bank statement worker crash when payment-accounts service is unavailable.