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PanoFlow rate-limits requests per API key per minute. Every response tells you where you stand, so your client can slow down before it hits the limit.

Headers

When you hit the limit

Over the limit, PanoFlow returns 429 with error code rate_limited (response_code 65) and a Retry-After header giving the number of seconds to wait.
When you retry a request that moves money, send the same Idempotency-Key. See Idempotency.

Agents

AI agents connected through the MCP server have their own per-agent limit, tighter than an API key’s. Over it, a tool returns rate_limited with details.retry_after in seconds. See Agents and MCP.