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: Sila
providerId: sila-money
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Embedded Finance
- Payments
- ACH
- Rate Limiting
- Quotas
description: >-
  Sila does not publish fixed numeric rate limits on the pages reviewed. As a
  regulated money-movement platform, effective throughput is governed more by
  program-level transaction limits, ACH processing windows / cutoffs, and
  KYC-approval state than by a per-minute request cap. Applicants should assume
  Sila applies standard abuse protections and confirm any per-app throughput and
  transaction-velocity limits with Sila during onboarding.
notes: >-
  reconciled:false. No published numeric per-endpoint or per-minute limit was found.
  ACH settlement is not instantaneous - money-movement endpoints (issue/redeem)
  complete over the ACH network's processing schedule, which functions as a de facto
  throughput constraint distinct from API request rate.
sources:
- https://docs.silamoney.com/docs/get-started
- https://docs.silamoney.com/docs/ecdsa-overview
responseCodes:
  throttled: 429
limits:
- name: API Request Rate
  scope: application
  metric: requests
  limit: not published
  notes: No fixed numeric request-rate limit is documented for the Sila API.
- name: Transaction Velocity
  scope: program
  metric: transactions
  limit: per agreement
  notes: Per-program money-movement / transaction-velocity limits are set in the commercial agreement, not published.
- name: ACH Settlement Window
  scope: transaction
  metric: settlement
  limit: ACH network schedule
  notes: issue_sila / redeem_sila settle over ACH processing windows and cutoffs rather than completing instantly.
policies:
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter and honor Retry-After on 429 responses.
- name: KYC Gating
  description: Money-movement endpoints are gated on the user / business having passed KYC / KYB verification.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com