diff --git a/app/services/otp_rate_limiter.rb b/app/services/otp_rate_limiter.rb
index bb62c837b55..4afde203a54 100644
--- a/app/services/otp_rate_limiter.rb
+++ b/app/services/otp_rate_limiter.rb
@@ -6,8 +6,6 @@ def initialize(phone:, user:, phone_confirmed:)
   end
 
   def exceeded_otp_send_limit?
-    return false if entry_for_current_phone.blank?
-
     if rate_limit_period_expired?
       reset_count_and_otp_last_sent_at
       return false
@@ -17,15 +15,20 @@ def exceeded_otp_send_limit?
   end
 
   def max_requests_reached?
+    return throttle.throttled? if IdentityConfig.store.redis_throttle_otp_rate_limiter_read_enabled
+
     entry_for_current_phone.otp_send_count > otp_maxretry_times
   end
 
   def rate_limit_period_expired?
+    return throttle.expired? if IdentityConfig.store.redis_throttle_otp_rate_limiter_read_enabled
     otp_last_sent_at.present? && (otp_last_sent_at + otp_findtime) < Time.zone.now
   end
 
   def reset_count_and_otp_last_sent_at
     entry_for_current_phone.update(otp_last_sent_at: Time.zone.now, otp_send_count: 0)
+
+    throttle.reset!
   end
 
   def lock_out_user
@@ -35,6 +38,16 @@ def lock_out_user
   def increment
     # DO NOT MEMOIZE
     @entry = OtpRequestsTracker.atomic_increment(entry_for_current_phone.id)
+    throttle.increment!
+    nil
+  end
+
+  def otp_last_sent_at
+    if IdentityConfig.store.redis_throttle_otp_rate_limiter_read_enabled
+      throttle.attempted_at
+    else
+      entry_for_current_phone.otp_last_sent_at
+    end
   end
 
   private
@@ -47,10 +60,6 @@ def entry_for_current_phone
   end
   # rubocop:enable Naming/MemoizedInstanceVariableName
 
-  def otp_last_sent_at
-    entry_for_current_phone.otp_last_sent_at
-  end
-
   def otp_findtime
     IdentityConfig.store.otp_delivery_blocklist_findtime.minutes
   end
@@ -58,4 +67,16 @@ def otp_findtime
   def otp_maxretry_times
     IdentityConfig.store.otp_delivery_blocklist_maxretry
   end
+
+  def phone_fingerprint
+    @phone_fingerprint ||= Pii::Fingerprinter.fingerprint(PhoneFormatter.format(phone))
+  end
+
+  def throttle
+    @throttle ||= Throttle.new(throttle_type: :phone_otp, target: throttle_key)
+  end
+
+  def throttle_key
+    "#{phone_fingerprint}:#{phone_confirmed}"
+  end
 end
diff --git a/app/services/throttle.rb b/app/services/throttle.rb
index e4f868061b6..41a73b4e29c 100644
--- a/app/services/throttle.rb
+++ b/app/services/throttle.rb
@@ -4,63 +4,12 @@
 class Throttle
   attr_reader :throttle_type
 
-  THROTTLE_CONFIG = {
-    idv_doc_auth: {
-      max_attempts: IdentityConfig.store.doc_auth_max_attempts,
-      attempt_window: IdentityConfig.store.doc_auth_attempt_window_in_minutes,
-    },
-    reg_unconfirmed_email: {
-      max_attempts: IdentityConfig.store.reg_unconfirmed_email_max_attempts,
-      attempt_window: IdentityConfig.store.reg_unconfirmed_email_window_in_minutes,
-    },
-    reg_confirmed_email: {
-      max_attempts: IdentityConfig.store.reg_confirmed_email_max_attempts,
-      attempt_window: IdentityConfig.store.reg_confirmed_email_window_in_minutes,
-    },
-    reset_password_email: {
-      max_attempts: IdentityConfig.store.reset_password_email_max_attempts,
-      attempt_window: IdentityConfig.store.reset_password_email_window_in_minutes,
-    },
-    idv_resolution: {
-      max_attempts: IdentityConfig.store.idv_max_attempts,
-      attempt_window: IdentityConfig.store.idv_attempt_window_in_hours * 60,
-    },
-    idv_send_link: {
-      max_attempts: IdentityConfig.store.idv_send_link_max_attempts,
-      attempt_window: IdentityConfig.store.idv_send_link_attempt_window_in_minutes,
-    },
-    verify_personal_key: {
-      max_attempts: IdentityConfig.store.verify_personal_key_max_attempts,
-      attempt_window: IdentityConfig.store.verify_personal_key_attempt_window_in_minutes,
-    },
-    verify_gpo_key: {
-      max_attempts: IdentityConfig.store.verify_gpo_key_max_attempts,
-      attempt_window: IdentityConfig.store.verify_gpo_key_attempt_window_in_minutes,
-    },
-    proof_ssn: {
-      max_attempts: IdentityConfig.store.proof_ssn_max_attempts,
-      attempt_window: IdentityConfig.store.proof_ssn_max_attempt_window_in_minutes,
-    },
-    proof_address: {
-      max_attempts: IdentityConfig.store.proof_address_max_attempts,
-      attempt_window: IdentityConfig.store.proof_address_max_attempt_window_in_minutes,
-    },
-    phone_confirmation: {
-      max_attempts: IdentityConfig.store.phone_confirmation_max_attempts,
-      attempt_window: IdentityConfig.store.phone_confirmation_max_attempt_window_in_minutes,
-    },
-    inherited_proofing: {
-      max_attempts: IdentityConfig.store.inherited_proofing_max_attempts,
-      attempt_window: IdentityConfig.store.inherited_proofing_max_attempt_window_in_minutes,
-    },
-  }.with_indifferent_access.freeze
-
   def initialize(throttle_type:, user: nil, target: nil)
     @throttle_type = throttle_type
     @user = user
     @target = target
 
-    unless THROTTLE_CONFIG.key?(throttle_type)
+    unless Throttle.throttle_config.key?(throttle_type)
       raise ArgumentError,
             'throttle_type is not valid'
     end
@@ -209,10 +158,77 @@ def key
   end
 
   def self.attempt_window_in_minutes(throttle_type)
-    THROTTLE_CONFIG.dig(throttle_type, :attempt_window)
+    throttle_config.dig(throttle_type, :attempt_window)
   end
 
   def self.max_attempts(throttle_type)
-    THROTTLE_CONFIG.dig(throttle_type, :max_attempts)
+    throttle_config.dig(throttle_type, :max_attempts)
+  end
+
+  def self.throttle_config
+    if Rails.env.production?
+      CACHED_THROTTLE_CONFIG
+    else
+      load_throttle_config
+    end
   end
+
+  def self.load_throttle_config
+    {
+      idv_doc_auth: {
+        max_attempts: IdentityConfig.store.doc_auth_max_attempts,
+        attempt_window: IdentityConfig.store.doc_auth_attempt_window_in_minutes,
+      },
+      reg_unconfirmed_email: {
+        max_attempts: IdentityConfig.store.reg_unconfirmed_email_max_attempts,
+        attempt_window: IdentityConfig.store.reg_unconfirmed_email_window_in_minutes,
+      },
+      reg_confirmed_email: {
+        max_attempts: IdentityConfig.store.reg_confirmed_email_max_attempts,
+        attempt_window: IdentityConfig.store.reg_confirmed_email_window_in_minutes,
+      },
+      reset_password_email: {
+        max_attempts: IdentityConfig.store.reset_password_email_max_attempts,
+        attempt_window: IdentityConfig.store.reset_password_email_window_in_minutes,
+      },
+      idv_resolution: {
+        max_attempts: IdentityConfig.store.idv_max_attempts,
+        attempt_window: IdentityConfig.store.idv_attempt_window_in_hours * 60,
+      },
+      idv_send_link: {
+        max_attempts: IdentityConfig.store.idv_send_link_max_attempts,
+        attempt_window: IdentityConfig.store.idv_send_link_attempt_window_in_minutes,
+      },
+      verify_personal_key: {
+        max_attempts: IdentityConfig.store.verify_personal_key_max_attempts,
+        attempt_window: IdentityConfig.store.verify_personal_key_attempt_window_in_minutes,
+      },
+      verify_gpo_key: {
+        max_attempts: IdentityConfig.store.verify_gpo_key_max_attempts,
+        attempt_window: IdentityConfig.store.verify_gpo_key_attempt_window_in_minutes,
+      },
+      proof_ssn: {
+        max_attempts: IdentityConfig.store.proof_ssn_max_attempts,
+        attempt_window: IdentityConfig.store.proof_ssn_max_attempt_window_in_minutes,
+      },
+      proof_address: {
+        max_attempts: IdentityConfig.store.proof_address_max_attempts,
+        attempt_window: IdentityConfig.store.proof_address_max_attempt_window_in_minutes,
+      },
+      phone_confirmation: {
+        max_attempts: IdentityConfig.store.phone_confirmation_max_attempts,
+        attempt_window: IdentityConfig.store.phone_confirmation_max_attempt_window_in_minutes,
+      },
+      inherited_proofing: {
+        max_attempts: IdentityConfig.store.inherited_proofing_max_attempts,
+        attempt_window: IdentityConfig.store.inherited_proofing_max_attempt_window_in_minutes,
+      },
+      phone_otp: {
+        max_attempts: IdentityConfig.store.otp_delivery_blocklist_maxretry + 1,
+        attempt_window: IdentityConfig.store.otp_delivery_blocklist_findtime,
+      },
+    }.with_indifferent_access
+  end
+
+  CACHED_THROTTLE_CONFIG = self.load_throttle_config.with_indifferent_access.freeze
 end
diff --git a/config/application.yml.default b/config/application.yml.default
index e23b855a73e..045c581db35 100644
--- a/config/application.yml.default
+++ b/config/application.yml.default
@@ -241,6 +241,7 @@ rails_mailer_previews_enabled: false
 reauthn_window: 120
 recovery_code_length: 4
 redis_irs_attempt_api_url: redis://localhost:6379/2
+redis_throttle_otp_rate_limiter_read_enabled: false
 redis_throttle_url: redis://localhost:6379/1
 redis_url: redis://localhost:6379/0
 redis_pool_size: 10
@@ -375,6 +376,7 @@ development:
   rails_mailer_previews_enabled: true
   rack_timeout_service_timeout_seconds: 9_999_999_999
   recurring_jobs_disabled_names: "[]"
+  redis_throttle_otp_rate_limiter_read_enabled: true
   s3_report_bucket_prefix: ''
   s3_report_public_bucket_prefix: ''
   saml_endpoint_configs: '[{"suffix":"2021","secret_key_passphrase":"trust-but-verify"},{"suffix":"2022","secret_key_passphrase":"trust-but-verify"}]'
@@ -535,6 +537,7 @@ test:
   piv_cac_verify_token_secret: 3ac13bfa23e22adae321194c083e783faf89469f6f85dcc0802b27475c94b5c3891b5657bd87d0c1ad65de459166440512f2311018db90d57b15d8ab6660748f
   poll_rate_for_verify_in_seconds: 0
   recurring_jobs_disabled_names: '["disabled job"]'
+  redis_throttle_otp_rate_limiter_read_enabled: true
   reg_confirmed_email_max_attempts: 3
   reg_unconfirmed_email_max_attempts: 4
   reg_unconfirmed_email_window_in_minutes: 70
diff --git a/lib/identity_config.rb b/lib/identity_config.rb
index 6d1f4874454..e0f59434b30 100644
--- a/lib/identity_config.rb
+++ b/lib/identity_config.rb
@@ -340,6 +340,7 @@ def self.build_store(config_map)
     config.add(:recurring_jobs_disabled_names, type: :json)
     config.add(:redis_irs_attempt_api_url)
     config.add(:redis_throttle_url)
+    config.add(:redis_throttle_otp_rate_limiter_read_enabled, type: :boolean)
     config.add(:redis_url)
     config.add(:redis_pool_size, type: :integer)
     config.add(:redis_session_pool_size, type: :integer)
diff --git a/spec/features/event_disavowal_spec.rb b/spec/features/event_disavowal_spec.rb
index bc713c647a9..eecbeadf2f3 100644
--- a/spec/features/event_disavowal_spec.rb
+++ b/spec/features/event_disavowal_spec.rb
@@ -19,10 +19,10 @@
   end
 
   scenario 'disavowing a new device sign in' do
+    allow(IdentityConfig.store).to receive(:otp_delivery_blocklist_maxretry).and_return(3)
     signin(user.email, user.password)
     Capybara.reset_session!
     visit root_path
-    OtpRequestsTracker.destroy_all # Prevent OTP rate limit from preventing sign in
     signin(user.email, user.password)
 
     disavow_last_action_and_reset_password
diff --git a/spec/features/idv/phone_otp_rate_limiting_spec.rb b/spec/features/idv/phone_otp_rate_limiting_spec.rb
index f2e2928da53..30ccda4c15e 100644
--- a/spec/features/idv/phone_otp_rate_limiting_spec.rb
+++ b/spec/features/idv/phone_otp_rate_limiting_spec.rb
@@ -6,20 +6,14 @@
   let(:user) { user_with_2fa }
 
   describe 'otp sends' do
-    let(:max_attempts) { IdentityConfig.store.otp_delivery_blocklist_maxretry + 1 }
-
     it 'rate limits resends from the otp verification step' do
       start_idv_from_sp
       complete_idv_steps_before_phone_otp_verification_step(user)
 
-      (max_attempts - 1).times do
+      (Throttle.max_attempts(:phone_otp) - 1).times do
         click_on t('links.two_factor_authentication.send_another_code')
       end
 
-      expect_max_otp_request_rate_limiting
-    end
-
-    def expect_max_otp_request_rate_limiting
       expect(page).to have_content t('titles.account_locked')
       expect(page).to have_content t(
         'two_factor_authentication.max_otp_requests_reached',
@@ -72,6 +66,11 @@ def expect_rate_limit_circumvention_to_be_disallowed(user)
   def expect_rate_limit_to_expire(user)
     retry_minutes = IdentityConfig.store.lockout_period_in_minutes + 1
     travel_to(retry_minutes.minutes.from_now) do
+      # This is not good and we can likely drop it once we have upgraded to Redis 7 and switched
+      # Throttle to use EXPIRETIME rather than TTL
+      allow_any_instance_of(Throttle).to receive(:attempted_at).and_return(
+        retry_minutes.minutes.ago,
+      )
       start_idv_from_sp
       complete_idv_steps_before_phone_otp_verification_step(user)
 
diff --git a/spec/features/idv/threatmetrix_pending_spec.rb b/spec/features/idv/threatmetrix_pending_spec.rb
index d59fa5c1d13..0201fd47ffd 100644
--- a/spec/features/idv/threatmetrix_pending_spec.rb
+++ b/spec/features/idv/threatmetrix_pending_spec.rb
@@ -9,6 +9,7 @@
   end
 
   scenario 'users pending threatmetrix see sad face screen and cannot perform idv' do
+    allow(IdentityConfig.store).to receive(:otp_delivery_blocklist_maxretry).and_return(300)
     user = create(:user, :signed_up)
 
     start_idv_from_sp
@@ -26,7 +27,6 @@
 
     # User unable to sign into OIDC with IdV
     set_new_browser_session
-    OtpRequestsTracker.destroy_all
     start_idv_from_sp(:oidc)
     sign_in_live_with_2fa(user)
 
@@ -35,7 +35,6 @@
 
     # User unable to sign into SAML with IdV
     set_new_browser_session
-    OtpRequestsTracker.destroy_all
     start_idv_from_sp(:saml)
     sign_in_live_with_2fa(user)
 
@@ -44,7 +43,6 @@
 
     # User able to sign for IAL1
     set_new_browser_session
-    OtpRequestsTracker.destroy_all
     visit_idp_from_sp_with_ial1(:oidc)
     sign_in_live_with_2fa(user)
     click_agree_and_continue
diff --git a/spec/services/idv/steps/in_person/verify_step_spec.rb b/spec/services/idv/steps/in_person/verify_step_spec.rb
index a6efd623436..994d8302d03 100644
--- a/spec/services/idv/steps/in_person/verify_step_spec.rb
+++ b/spec/services/idv/steps/in_person/verify_step_spec.rb
@@ -110,15 +110,9 @@ def build_step(controller)
       end
 
       before do
-        stub_const(
-          'Throttle::THROTTLE_CONFIG',
-          {
-            proof_ssn: {
-              max_attempts: 2,
-              attempt_window: 10,
-            },
-          }.with_indifferent_access,
-        )
+        allow(IdentityConfig.store).to receive(:proof_ssn_max_attempts).and_return(2)
+        allow(IdentityConfig.store).to receive(:proof_ssn_max_attempt_window_in_minutes).
+          and_return(10)
       end
 
       def redirect(step)
diff --git a/spec/services/idv/steps/verify_step_spec.rb b/spec/services/idv/steps/verify_step_spec.rb
index febd9f52289..e21c263ba3a 100644
--- a/spec/services/idv/steps/verify_step_spec.rb
+++ b/spec/services/idv/steps/verify_step_spec.rb
@@ -110,15 +110,9 @@ def build_step(controller)
       end
 
       before do
-        stub_const(
-          'Throttle::THROTTLE_CONFIG',
-          {
-            proof_ssn: {
-              max_attempts: 2,
-              attempt_window: 10,
-            },
-          }.with_indifferent_access,
-        )
+        allow(IdentityConfig.store).to receive(:proof_ssn_max_attempts).and_return(2)
+        allow(IdentityConfig.store).to receive(:proof_ssn_max_attempt_window_in_minutes).
+          and_return(10)
       end
 
       def redirect(step)
diff --git a/spec/services/otp_rate_limiter_spec.rb b/spec/services/otp_rate_limiter_spec.rb
index dc1eae240ae..d8f390c6750 100644
--- a/spec/services/otp_rate_limiter_spec.rb
+++ b/spec/services/otp_rate_limiter_spec.rb
@@ -29,6 +29,16 @@
       expect(otp_rate_limiter.exceeded_otp_send_limit?).to eq(true)
     end
 
+    it 'is is false after maxretry_times attemps in findtime minutes' do
+      expect(otp_rate_limiter.exceeded_otp_send_limit?).to eq(false)
+
+      IdentityConfig.store.otp_delivery_blocklist_maxretry.times do
+        otp_rate_limiter.increment
+      end
+
+      expect(otp_rate_limiter.exceeded_otp_send_limit?).to eq(false)
+    end
+
     it 'tracks verified phones separately. limiting one does not limit the other' do
       expect(otp_rate_limiter.exceeded_otp_send_limit?).to eq(false)
 
@@ -43,14 +53,10 @@
 
   describe '#increment' do
     it 'updates otp_last_sent_at' do
-      tracker = OtpRequestsTracker.find_or_create_with_phone_and_confirmed(
-        phone,
-        false,
-      )
       otp_rate_limiter.increment
-      old_otp_last_sent_at = tracker.reload.otp_last_sent_at
+      old_otp_last_sent_at = otp_rate_limiter.otp_last_sent_at
       otp_rate_limiter.increment
-      new_otp_last_sent_at = tracker.reload.otp_last_sent_at
+      new_otp_last_sent_at = otp_rate_limiter.otp_last_sent_at
 
       expect(new_otp_last_sent_at).to be > old_otp_last_sent_at
     end
diff --git a/spec/services/throttle_spec.rb b/spec/services/throttle_spec.rb
index e45965d0f13..ac1f01364bb 100644
--- a/spec/services/throttle_spec.rb
+++ b/spec/services/throttle_spec.rb
@@ -4,14 +4,10 @@
   let(:throttle_type) { :idv_doc_auth }
   let(:max_attempts) { 3 }
   let(:attempt_window) { 10 }
-
-  before do
-    stub_const(
-      'Throttle::THROTTLE_CONFIG',
-      {
-        throttle_type => { max_attempts: max_attempts, attempt_window: attempt_window },
-      }.with_indifferent_access.freeze,
-    )
+  before(:each) do
+    allow(IdentityConfig.store).to receive(:doc_auth_max_attempts).and_return(max_attempts)
+    allow(IdentityConfig.store).to receive(:doc_auth_attempt_window_in_minutes).
+      and_return(attempt_window)
   end
 
   describe '.new' do
@@ -83,8 +79,8 @@
 
   describe '#throttled?' do
     let(:throttle_type) { :idv_doc_auth }
-    let(:max_attempts) { IdentityConfig.store.doc_auth_max_attempts }
-    let(:attempt_window_in_minutes) { IdentityConfig.store.doc_auth_attempt_window_in_minutes }
+    let(:max_attempts) { Throttle.max_attempts(throttle_type) }
+    let(:attempt_window_in_minutes) { Throttle.attempt_window_in_minutes(throttle_type) }
 
     subject(:throttle) { Throttle.new(target: '1', throttle_type: throttle_type) }
 
@@ -110,7 +106,7 @@
         throttle.increment!
       end
 
-      travel(attempt_window_in_minutes.minutes) do
+      travel(attempt_window_in_minutes.minutes + 1) do
         expect(throttle.throttled?).to eq(false)
       end
     end