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.mdEach 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
- User opens Connect Widget with Connect Token
- User selects connector and authenticates
- Pluggy creates Item and starts data sync
- Webhook notifies when sync completes
- Backend retrieves data using API Key
- Pluggy auto-syncs daily; webhook triggers data refresh
Full Compiled Document
For the complete guide with all rules expanded: AGENTS.md