specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Akoya
providerId: akoya
created: '2026-05-08'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-08, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-08'
reconciled: false
tags:
  - Open Banking
  - Rate Limiting
description: >-
  Akoya's data-provider banks each impose their own rate limits per the FDX standard.
  Recipients should expect roughly 60-120 requests per minute per (data provider, recipient)
  pair, with stricter caps on transaction history endpoints. Throttled requests return HTTP 429.
notes: Limits vary by data provider and contract; figures are typical FDX deployments.
sources:
  - https://docs.akoya.com/
  - https://financialdataexchange.org/
responseCodes:
  throttled: 429
limits:
  - name: Per data-provider per-minute
    scope: data_provider
    metric: requests_per_minute
    limit: 60
    notes: Varies; many banks cap closer to 30 rpm for transactions endpoints.
  - name: PSD2-equivalent SCA cadence (Reg E aligned)
    scope: end_user
    metric: refreshes_per_day
    limit: -1
    notes: Per data-provider policy; honor refresh-token expiry and user re-consent.
policies:
  - name: Token Refresh
    description: Honor data-provider refresh-token cadence; re-prompt user when token expires.
  - name: Backoff Strategy
    description: Honor 429 Retry-After and apply exponential backoff with jitter.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com