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"Only 10% of Plaid's data pulls involve a user who is present"

Since they provide an API, it seems like some of the calls where they think a user isn't present might actually have one present.

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We thread knowledge of whether a data pull was initiated by the API or by our cron-style service into our load-balancing layer, so this ends up being pretty straight-forward.

Ahh, got it. The "present and linking their account" part threw me off. Sounded like only the "linking" call was getting the fast lane.

The other 90% are not triggered by the API, they are "periodic transaction updates" - presumably they refresh once a day or something.

Yeah, I read that, but it's not clear exactly what those calls are. It sorta sounds like making assumptions on how their users are using the API.

In fact, it sounds like they think "linking an account" is the only "user present" API call:

"Only 10% of Plaid's data pulls involve a user who is present and linking their account to an app"

No, I'd read this as "linking their account to an app" meaning that the plain account's API credentials are configured in the app, so the app can call the plaid API (presumably interactively on user interaction).

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