fix: BankSyncAdminCard toggle no longer gated on encryption key

- Removed disable logic and key warning banner from BankSyncAdminCard
- Toggle works freely regardless of TOKEN_ENCRYPTION_KEY status
- encryptionKeyReady and encryption_key_set left as informational only

client/components/admin/BankSyncAdminCard.jsx

@@ -45,7 +45,6 @@ export default function BankSyncAdminCard() {
     );
   }
 
-  const keySet = config?.encryption_key_set;
   const changed = enabled !== !!config?.enabled;
 
   return (
@@ -60,17 +59,6 @@ export default function BankSyncAdminCard() {
       </CardHeader>
       <CardContent className="space-y-5">
 
-        {/* Encryption key status */}
-        <div className={`rounded-lg border px-4 py-3 text-sm ${
-          keySet
-            ? 'border-emerald-500/25 bg-emerald-500/10 text-emerald-700 dark:text-emerald-400'
-            : 'border-amber-500/25 bg-amber-500/10 text-amber-700 dark:text-amber-400'
-        }`}>
-          {keySet
-            ? 'TOKEN_ENCRYPTION_KEY is configured. Bank sync can be enabled.'
-            : 'TOKEN_ENCRYPTION_KEY is not set. Add a 32+ character key to your environment before enabling bank sync.'}
-        </div>
-
         {/* Enable toggle */}
         <div className="flex items-center justify-between">
           <div>
@@ -82,13 +70,12 @@ export default function BankSyncAdminCard() {
           <Toggle
             checked={enabled}
             onChange={v => setEnabled(v)}
-            disabled={!keySet}
             label="Enable bank sync"
           />
         </div>
 
         <div className="flex justify-end pt-2">
-          <Button onClick={handleSave} disabled={saving || !changed || (!enabled ? false : !keySet)}>
+          <Button onClick={handleSave} disabled={saving || !changed}>
             {saving ? 'Saving…' : 'Save'}
           </Button>
         </div>

services/bankSyncConfigService.js

@@ -38,11 +38,6 @@ function getBankSyncConfig() {
 }
 
 function setBankSyncEnabled(enabled) {
-  if (enabled && !encryptionKeyReady()) {
-    const err = new Error('TOKEN_ENCRYPTION_KEY must be set (32+ chars) before enabling bank sync');
-    err.status = 400;
-    throw err;
-  }
   setSetting('bank_sync_enabled', enabled ? 'true' : 'false');
   return getBankSyncConfig();
 }