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No API key. Quote, build and submit are each limited to 10 requests a minute, counted separately per IP address and per requester wallet (sender). Reading markets and transfer status is not limited. A completed transfer costs three calls. A 429 carries the longer of the two waits as retryAfterMs and a Retry-After header.
Quote once per user action, not per keystroke, and reuse decisionId for the build: a quote stays valid until its expiresAt. If your server calls on behalf of many users from one IP, spread quotes across those users’ actions rather than polling.

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userIp

If your server calls the API on behalf of your users, send each user’s own IP as userIp on the quote. Two venues are geo-gated and refuse an order without it; GET /bridge/venues marks them capabilities.requiresUserIp. Without the field those venues simply drop out of the table with a reason in rejected. It is remembered on the quote and reused on build, so send it once. If your users call from their own browsers, nothing is needed.