fix: bump wallet creation rate limit to 10/hour

Author: ralyodio

src/lib/web-wallet/rate-limit.ts

@@ -56,7 +56,7 @@ export const RATE_LIMITS: Record<string, RateLimitConfig> = {
   'merchant_login_email': { limit: 10, windowSeconds: 3600 }, // 10/hour per email
   'merchant_register': { limit: 3, windowSeconds: 3600 },     // 3/hour per IP
   // Web wallet endpoints
-  'wallet_creation': { limit: 3, windowSeconds: 3600 },        // 3/hour per IP
+  'wallet_creation': { limit: 10, windowSeconds: 3600 },       // 10/hour per IP
   'auth_challenge': { limit: 10, windowSeconds: 60 },         // 10/min
   'auth_verify': { limit: 10, windowSeconds: 60 },            // 10/min
   'balance_query': { limit: 60, windowSeconds: 60 },          // 60/min