> ## Documentation Index
> Fetch the complete documentation index at: https://docs.inwealth.fr/llms.txt
> Use this file to discover all available pages before exploring further.

# Rate Limits & Quotas

> Understanding your organization's usage limits

# Rate Limits & Quotas

Each organization has a **daily token quota** that resets at midnight UTC.

## How it works

* Every request consumes **input tokens** (your message + conversation history) and **output tokens** (the agent's response)
* Both are counted against your daily limit
* When the limit is reached, subsequent requests return a `429` error with the time until reset

## Error response

When your quota is exceeded, the API returns an SSE error event:

```
event: error
data: {"type": "error", "data": {"error": "Limite quotidienne organisation atteinte (1,000,000 tokens). Reset dans 3h42.", "error_type": "RateLimitExceeded"}}
```

## Monitoring usage

Contact your iNwealth account manager to:

* Check your current consumption
* Adjust your daily token limit
* Get usage reports

## Tips to optimize token usage

<CardGroup cols={2}>
  <Card title="Use effort wisely" icon="gauge">
    Use `"low"` or `"medium"` effort for simple questions. Reserve `"high"` and `"max"` for complex cross-border scenarios.
  </Card>

  <Card title="Keep history lean" icon="scissors">
    Only send relevant conversation history in `messages`. Trim older turns when the conversation gets long.
  </Card>

  <Card title="Reuse session_id" icon="recycle">
    Same `session_id` across turns enables prompt caching — up to 90% token savings on multi-turn conversations.
  </Card>

  <Card title="Skip extended thinking" icon="bolt">
    Only enable `extended_thinking` for questions that truly need deep reasoning.
  </Card>
</CardGroup>