```ruby
require 'money/bank/open_exchange_rates_bank'

moe = Money::Bank::OpenExchangeRatesBank.new
moe.ttl_in_seconds = 1.months / 1001 # match free tier on open exchange rates
moe.app_id = ENV.fetch('OPEN_EXCHANGE_RATES_APP_ID')
moe.update_rates
Money.default_bank = moe
```

Add wiggle room to openexchangerates polling interval
user
```ruby
require 'money/bank/open_exchange_rates_bank'

moe = Money::Bank::OpenExchangeRatesBank.new
moe.ttl_in_seconds = 1.months / 2000
moe.app_id = ENV.fetch('OPEN_EXCHANGE_RATES_APP_ID')
moe.update_rates
Money.default_bank = moe
```
assistant