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What it is
TTL (time-to-live) is how long a cached value is served before it is treated as stale and refreshed. A longer TTL cuts load but risks serving older data; a shorter one is fresher but busier.
For the public API
Because the loyalty ladder and biller registry change rarely and carry no PII, a TTL of around five minutes is a good balance — almost all requests hit cache, and a few-minute lag is harmless. Use the response’s generated timestamp as your freshness marker. Widget assets are static and can have a much longer TTL. See Caching.
Frequently asked questions
What TTL should I use for the loyalty tiers?
Around five minutes. The config rarely changes and there is no PII, so a short public cache is both safe and effective.
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