Excellent observation and question.
Yep, you just stepped into murky waters, watch out for the ammonia " Swamp Thing ".
This is where the "better safe than sorry" crowd comes in, which I generally take their side of it, but they kind of skew the danger.
Ultimately, ammonia (NH3) toxicity concerns is determined by fish species and all species have different tolerances.
For cyprinus carpio, which is koi, is talked about here... Study On Acute Ammonia Toxicity At Different Ph levels In Fish Cyprinus Carpio (
http://www.ajbpr.com/issues/volume1/issue4/FINAL 32.pdf)
Take notice they are using ammonia measurements of 18~22 ppm for 96 hours to test the koi's tolerance,
which is crazy! Water was 7.2 pH and 77*F, while fluctuating the pH to 8.0, which amounts to 0.40~1.14. ppm NH3, which they state the survivability at this level was 50/50% survivability/mortality Amazing they did not die during this 96 hour time window.
Two main variables, out of many other variables, in determining ammonia's toxicity, then you will need a calculator to determine your ammonia (NH3) concentration.
Most ammonia test kits, such as the API ones, are testing for Total Ammonia Nitrogen, commonly referred to as TAN. So, take this value, enter it into the calculator then find the intersection that best matches your pH and water temperature. Here is the calculator... CNYKOI - Ammonia Calculator (
http://www.cnykoi.com/calculators/calcnh3c.asp)
As mentioned in the study
for koi, When the ammonia (NH3) levels reach 0.02 ppm, then it
starts to have long-term damage to the fish due to it is changing their body's chemistry.
There are serious koi aficionados that I trust who have suggested that they never experienced any koi death, nor noticeable permanent damage, that is until the ammonia (NH3) levels reached as high as 0.10 ppm,
as long as this period is only quite short, as in just a few days.
So, if your API TAN test kit registers there is 1ppm ammonia, then your toxic ammonia (NH3) concentration is....
With 7.2 pH and 78*F water temperature, 0.009 ppm NH3 - No problems at all
With 7.8 pH and 78*F water temperature, 0.036 ppm NH3 - Starting to get concerned.
With 8.2 pH and 78*F water temperature, 0.086 ppm NH3 - Ok, time to do a serious 80% water change, improve bio-filter, start using temporary and permanent ammonia binders. Get fixed very soon.
With 8.2 pH and 50*F water temperature, 0.012 ppm NH3 - No problems at all.
Now, lets throw you for a loop here.... In aqua-ponic systems, which consists an average of around 6.4~6.8ph with around 72*F water temperature... How much TAN is required until it becomes harmful to fish?
At 6.8pH and 72*F water temper, 6.8ppm TAN equals 0.02 ppm NH3. Only quite hardy cold specie fish such as koi and goldfish (not the fancy variety) can survive this.
However, if you have any other sensitive warm water fish species such as Tilapia in your pond, then this would absolutely kill them.
Typically, in aqua-ponic systems, which is the collision of growing healthy fish and healthy plants (
https://www.gardenpondforum.com/thr...ing-truly-viable-on-a-commercial-scale.13572/), they try to keep their TAN below 2ppm since they often have warm water fish species.
Long Geeky answer....
As with many aqueous compounds, there are multiple dominant species. In the context of ammonia, the dominant species bounces between ammonia (NH3), that is a neutral compound, and ammonium (NH4+). One reason ammonia (NH3) is so toxic to fish is that its neutral charge allows the compound to directly penetrate so to be absorbed into the fish's bloodstream, which creates all sorts of bad reactions.
From respiration and their waste, fish actually is constantly producing ammonia (NH3). However, the moment ammonia enters a liquid then the liquid's pH, temperature, and other variables determines how fast ammonia (NH3) dissolves into the water. When ammonia dissolves into water, it has a strong attraction to any free hydrogen cations (H+). So, at lower pHs, amongst other environmental variables, the ammonia (NH3) takes a H+ from water (H20) and creates ammonium (NH4OH) and this is why ammonium is often notated to have a positive charge, that is NH4+. Due to this charge, ammonium is not allowed to penetrate the fish until the pH increases, which strips the extra H+ from ammonium, and converts the ammonium (NH4+) into ammonia (NH3). In hope that I did not mangle the stoichemistry, this is the simplest way I can think of in trying to explain the ammonia equilibrium in water.
Actually, controlling the ammonia (NH3) and ammonium (NH4+) concentrations can also control the water's pH, but this is quite complicated.