Pluggy Integration

Comprehensive integration guide for Pluggy Open Finance API. Contains rules across 5 categories, prioritized by impact to guide accurate implementation.

When to Apply

Reference these guidelines when:

• Setting up Pluggy SDK and authentication
• Implementing the Connect Widget in frontend applications
• Creating, updating, or managing Items (connections)
• Handling MFA (Multi-Factor Authentication) flows
• Configuring webhooks for real-time data sync
• Managing API keys and tokens
• Handling connection errors and edge cases

Rule Categories by Priority

Priority	Category	Impact	Prefix
1	Authentication	CRITICAL	auth-
2	Connect Widget	CRITICAL	widget-
3	Webhook Configuration	CRITICAL	webhook-
4	Item Lifecycle	HIGH	item-
5	Error Handling	MEDIUM	error-

How to Use

Read individual rule files for detailed explanations and code examples:

rules/auth-api-keys.md
rules/widget-integration.md
rules/item-lifecycle.md

Each rule file contains:

• Brief explanation of why it matters
• Incorrect code example with explanation
• Correct code example with explanation
• Additional context and references
• Pluggy-specific notes

Key Concepts

Connection Sync vs Data Sync

Responsibility	Who Handles	How
Connection sync	Pluggy	Auto-sync every 24/12/8h
Triggering updates	User	Only when user explicitly requests
Entity data sync	You	Fetch all on item/updated webhook
Transaction sync	You	Use transactions/* webhook events

API Key vs Connect Token

• API Key: Backend token (2h expiration) for accessing user data
• Connect Token: Frontend token (30min expiration) for Connect Widget only

Item Lifecycle

1. User opens Connect Widget with Connect Token
2. User selects connector and authenticates
3. Pluggy creates Item and starts data sync
4. Webhook notifies when sync completes
5. Backend retrieves data using API Key
6. Pluggy auto-syncs daily; webhook triggers data refresh

Full Compiled Document

For the complete guide with all rules expanded: AGENTS.md