Refactor/api keys 01 memoize

[samuelfrancis163-eng]

Closes #378

• Bug fix
• Feature
• Documentation
• Test-only change
• Refactor or maintenance

Local checks

Paste the result or explain why a docs-only change did not require the command.

• npm run lint
• npm run typecheck
• npm test
• npm run build

Coverage and tests

• Relevant tests were added or updated.
• Coverage expectations for touched modules are met or explained.
• Edge cases or failure states are covered.

Accessibility and UI review

• Keyboard navigation is preserved.
• Screen-reader names, labels, and error messages were considered.
• Screenshots or recordings are included for visible UI changes.
• Loading, empty, disabled, and error states are covered when applicable.

Security review

• No secrets, tokens, private keys, .env files, or generated artifacts are committed.
• API, wallet, auth, or payment trust boundaries are described when touched.
• User-provided text is validated, escaped, or rendered safely where relevant.

Notes for reviewers