Direct Updates can fail if the financial institution is temporarily unreachable, returns an error, or doesn’t support the connection. Snapshot data can be stale if the creditor hasn’t recently reported. Some accounts may only support one update source.The recommended handling pattern: always show the most recent known data to the user (even if it’s from a previous Update), indicate when a refresh is in progress, retry failed Updates with appropriate delays, and fall back from direct to snapshot when direct is unavailable. Never show an empty state when historical data exists, stale data with a “refreshing” indicator is far better than a blank screen.For the full Updates API, see the Updates reference.
