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2027 Insurance API Rate Limiting (Zero Trust) — SME Field Guide

As Hong Kong’s smart-city initiatives and open data programs accelerate into 2026, traditional rate limiting is breaking under the weight of real-time demand. This article explores why token bucket and sliding window algorithms are no longer enough, and how local firms—from Octopus to the HKSAR Government’s Public Sector Information (PSI) portal—are re-architecting throttling to balance fairness, latency, and revenue.

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