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: Flinks
providerId: flinks
created: '2026-07-01'
modified: '2026-07-01'
reconciled: false
tags:
- Financial Data
- Open Banking
- Bank Aggregation
- Fintech
- Canada
- Rate Limiting
- Quotas
- Throttling
description: >-
  Flinks does not publish specific public per-endpoint rate limits. Throughput
  is governed by the customer contract and by the nature of the aggregation
  flow: an authorize token is valid for 30 minutes, long-running data calls
  (GetAccountsDetail / GetAccountsSummary) return HTTP 202 and must be polled
  via their Async variants roughly every 10 seconds up to a ~30-minute timeout,
  and cached (MostRecentCached) mode is recommended over live mode to reduce
  load on financial institutions. Specific numeric limits are not reconciled in
  this artifact.
notes: >-
  Verify contract-specific concurrency and per-product limits with Flinks during
  reconciliation; polling cadence and timeouts reflect documented async behavior.
sources:
- https://docs.flinks.com/reference/step-2-calling-for-data
- https://docs.flinks.com/reference/step-3-calling-for-pending-data
- https://docs.flinks.com/api/authorize/endpoints/authorize
responseCodes:
  throttled: 429
  pending: 202
limits:
- name: Authorize Token Lifetime
  scope: session
  metric: minutes
  limit: '30'
  notes: The flinks-auth-key token expires 30 minutes after generation.
- name: Async Polling Cadence
  scope: request
  metric: seconds
  limit: '10'
  notes: Poll the Async endpoint with the same RequestId roughly every 10 seconds while HTTP 202.
- name: Async Request Timeout
  scope: request
  metric: minutes
  limit: '30'
  notes: A pending data request times out after approximately 30 minutes.
- name: Concurrency / Throughput
  scope: account
  metric: requests
  limit: see contract
  notes: Contract-governed; not published publicly.
policies:
- name: Cached Mode Preferred
  description: Use MostRecentCached=true to serve cached data and avoid unnecessary live institution hits.
- name: Async Polling
  description: Honor HTTP 202 and poll the matching Async endpoint rather than retrying the synchronous call.
- name: Backoff Strategy
  description: Implement exponential backoff with jitter and honor Retry-After on HTTP 429.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com