- Move env var reading and key file open() from import-time CONF dict into _build_provider_conf() called during load_unipay() - Each provider is wrapped in try/except — if env vars are missing, key files don't exist, or instantiation fails, the provider is set to None (disabled) and a warning is printed - Program continues to start even if all payment channels fail - Existing code already checks PROVIDERS[name] is None in all business functions (create_payment, notify handlers, etc.) - Existing get_provider() in notify.py already returns None on instantiation error
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