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Rate limits
Use response headers, bounded concurrency and backoff rather than repeated bursts.
Limit scopes
The customer gateway applies institution and credential budgets. Its baseline is 100 requests per minute with a burst allowance of 10 per scope. Plan against the limits configured for your integration; market-data admission has separate feed policies.
Handle HTTP 429
Read Retry-After in seconds. Pause attempts for that scope, add jitter and bound concurrent workers. Do not rotate keys to evade an institution limit. Authentication and permission failures need configuration changes rather than backoff.
Background jobs
- Checkpoint pagination and command identifiers.
- Use bounded queues rather than unbounded parallel calls.
- Use events and targeted reconciliation reads instead of a polling loop for every transaction.
- Keep original idempotency keys for write retries.