diff --git a/src/infrastructure/config/settings.py b/src/infrastructure/config/settings.py
index 858100e..a3ae7d3 100644
--- a/src/infrastructure/config/settings.py
+++ b/src/infrastructure/config/settings.py
@@ -247,13 +247,9 @@ class Settings(BaseSettings):
 
         s3_rel_path = self.VAULT_S3_SECRET_PATH.strip()
         if s3_rel_path:
-            try:
-                s3_secret_data = client.read_secret(s3_rel_path)
-            except Exception as exc:
-                raise ValueError(
-                    f'Vault S3 secret not readable at mount {self.VAULT_MOUNT_POINT}/{s3_rel_path}: {exc!r}'
-                ) from exc
-            self._apply_s3_from_vault_secret(s3_secret_data)
+            s3_secret_data = client.read_secret_optional(s3_rel_path)
+            if s3_secret_data:
+                self._apply_s3_from_vault_secret(s3_secret_data)
 
         if not self.DATABASE_URL:
             raise ValueError('Database URL could not be built from Vault database secret')
diff --git a/src/presentation/routing/account_settings.py b/src/presentation/routing/account_settings.py
index d8ca970..0cd690a 100644
--- a/src/presentation/routing/account_settings.py
+++ b/src/presentation/routing/account_settings.py
@@ -80,119 +80,119 @@ async def set_avatar(
     pub = me_user_public(user)
     return SetAvatarPublicResponse(**pub.model_dump(), webp_size_bytes=webp_size)
 
-
-@account_settings_router.post(path='/encrypted-mnemonic/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def encrypted_mnemonic_start(
-    request: Request,
-    auth: AuthContext = Depends(require_access_token),
-    command: SetEncryptedMnemonicStartCommand = Depends(get_set_encrypted_mnemonic_start_command),
-):
-    result = await command(user_id=auth.user_id)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/encrypted-mnemonic/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def encrypted_mnemonic_complete(
-    request: Request,
-    body: EncryptedMnemonicConfirmRequest,
-    auth: AuthContext = Depends(require_access_token),
-    command: SetEncryptedMnemonicCompleteCommand = Depends(get_set_encrypted_mnemonic_complete_command),
-):
-    user = await command(
-        user_id=auth.user_id,
-        code=body.code,
-        encrypted_mnemonic=body.encrypted_mnemonic,
-    )
-    return {'encrypted_mnemonic': user.encrypted_mnemonic}
-
-
-@account_settings_router.post(path='/email/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def change_email_start(
-    request: Request,
-    auth: AuthContext = Depends(require_access_token),
-    command: ChangeEmailStartCommand = Depends(get_change_email_start_command),
-):
-    result = await command(user_id=auth.user_id)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/email/confirm-old', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def change_email_confirm_old(
-    request: Request,
-    body: ChangeEmailConfirmOldRequest,
-    auth: AuthContext = Depends(require_access_token),
-    command: ChangeEmailConfirmOldCommand = Depends(get_change_email_confirm_old_command),
-):
-    result = await command(user_id=auth.user_id, code=body.code, new_email=body.new_email)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/email/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def change_email_complete(
-    request: Request,
-    body: ChangeEmailCompleteRequest,
-    auth: AuthContext = Depends(require_access_token),
-    command: ChangeEmailCompleteCommand = Depends(get_change_email_complete_command),
-):
-    result = await command(user_id=auth.user_id, code=body.code)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/password/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def change_password_start(
-    request: Request,
-    auth: AuthContext = Depends(require_access_token),
-    command: ChangePasswordStartCommand = Depends(get_change_password_start_command),
-):
-    result = await command(user_id=auth.user_id)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/password/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def change_password_complete(
-    request: Request,
-    body: ChangePasswordConfirmRequest,
-    auth: AuthContext = Depends(require_access_token),
-    command: ChangePasswordCompleteCommand = Depends(get_change_password_complete_command),
-):
-    result = await command(
-        user_id=auth.user_id,
-        code=body.code,
-        new_password=body.new_password,
-        confirm_password=body.confirm_password,
-    )
-    return {'success': result}
-
-
-@account_settings_router.post(path='/bank/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def bank_details_start(
-    request: Request,
-    auth: AuthContext = Depends(require_access_token),
-    command: UpdateBankDetailsStartCommand = Depends(get_update_bank_details_start_command),
-):
-    result = await command(user_id=auth.user_id)
-    return {'success': result}
-
-
-@account_settings_router.post(path='/bank/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
-async def bank_details_complete(
-    request: Request,
-    body: BankConfirmRequest,
-    auth: AuthContext = Depends(require_access_token),
-    command: UpdateBankDetailsCompleteCommand = Depends(get_update_bank_details_complete_command),
-):
-    user = await command(
-        user_id=auth.user_id,
-        code=body.code,
-        passport_data=body.passport_data,
-        inn=body.inn,
-        erc20=body.erc20,
-    )
-    return ORJSONResponse(
-        status_code=status.HTTP_200_OK,
-        content={
-            'passport_data': user.passport_data,
-            'inn': user.inn,
-            'erc20': user.erc20,
-        },
-    )
+#
+# @account_settings_router.post(path='/encrypted-mnemonic/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def encrypted_mnemonic_start(
+#     request: Request,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: SetEncryptedMnemonicStartCommand = Depends(get_set_encrypted_mnemonic_start_command),
+# ):
+#     result = await command(user_id=auth.user_id)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/encrypted-mnemonic/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def encrypted_mnemonic_complete(
+#     request: Request,
+#     body: EncryptedMnemonicConfirmRequest,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: SetEncryptedMnemonicCompleteCommand = Depends(get_set_encrypted_mnemonic_complete_command),
+# ):
+#     user = await command(
+#         user_id=auth.user_id,
+#         code=body.code,
+#         encrypted_mnemonic=body.encrypted_mnemonic,
+#     )
+#     return {'encrypted_mnemonic': user.encrypted_mnemonic}
+#
+#
+# @account_settings_router.post(path='/email/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def change_email_start(
+#     request: Request,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: ChangeEmailStartCommand = Depends(get_change_email_start_command),
+# ):
+#     result = await command(user_id=auth.user_id)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/email/confirm-old', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def change_email_confirm_old(
+#     request: Request,
+#     body: ChangeEmailConfirmOldRequest,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: ChangeEmailConfirmOldCommand = Depends(get_change_email_confirm_old_command),
+# ):
+#     result = await command(user_id=auth.user_id, code=body.code, new_email=body.new_email)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/email/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def change_email_complete(
+#     request: Request,
+#     body: ChangeEmailCompleteRequest,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: ChangeEmailCompleteCommand = Depends(get_change_email_complete_command),
+# ):
+#     result = await command(user_id=auth.user_id, code=body.code)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/password/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def change_password_start(
+#     request: Request,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: ChangePasswordStartCommand = Depends(get_change_password_start_command),
+# ):
+#     result = await command(user_id=auth.user_id)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/password/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def change_password_complete(
+#     request: Request,
+#     body: ChangePasswordConfirmRequest,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: ChangePasswordCompleteCommand = Depends(get_change_password_complete_command),
+# ):
+#     result = await command(
+#         user_id=auth.user_id,
+#         code=body.code,
+#         new_password=body.new_password,
+#         confirm_password=body.confirm_password,
+#     )
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/bank/start', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def bank_details_start(
+#     request: Request,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: UpdateBankDetailsStartCommand = Depends(get_update_bank_details_start_command),
+# ):
+#     result = await command(user_id=auth.user_id)
+#     return {'success': result}
+#
+#
+# @account_settings_router.post(path='/bank/complete', response_class=ORJSONResponse, status_code=status.HTTP_200_OK)
+# async def bank_details_complete(
+#     request: Request,
+#     body: BankConfirmRequest,
+#     auth: AuthContext = Depends(require_access_token),
+#     command: UpdateBankDetailsCompleteCommand = Depends(get_update_bank_details_complete_command),
+# ):
+#     user = await command(
+#         user_id=auth.user_id,
+#         code=body.code,
+#         passport_data=body.passport_data,
+#         inn=body.inn,
+#         erc20=body.erc20,
+#     )
+#     return ORJSONResponse(
+#         status_code=status.HTTP_200_OK,
+#         content={
+#             'passport_data': user.passport_data,
+#             'inn': user.inn,
+#             'erc20': user.erc20,
+#         },
+#     )