For questions about programming against Plaid, a fintech API.
Plaid is a RESTful API that is built for US-based banking authentication, verification, and data retrieval. Similar to Yodlee, Plaid provides access to a user's bank account information based on credentials provided by the user.
What questions should have this tag?
Any question that deals with integrating Plaid, the API, or involves the Plaid system should be tagged with the plaid tag. Do not use this tag for generic banking API questions - Plaid does not work with every bank.
Plaid APIs
Plaid provides over a dozen APIs for accessing financial information.
Auth: Verify that a user has a bank account at a certain bank without the need for ACH deposits to verify the account. Authentication and verification is done in seconds via the API. Current balance, routing, and account number is returned for the user's account(s).
Balance: Retrieve real-time and historical information on a user's account balances.
Identity: Retrieve a user's phone number, address, and email.
Transfers Make funds transfers, analyze risk, and guarantee ACH funds transfers.
Signal Evaluate the likelihood of a specific ACH transaction resulting in a return.
Identity Verification Verify identification documents, phone numbers, name, date of birth, ID numbers, addresses, and more.
Monitor An anti-money-laundering (AML) solution that detects if your customers are on government watchlists.
Investments: Retrieve data on a user's investment accounts, including balances, account types, and transaction history.
Liabilities: Retrieve data on a user's loans, loan terms, and payment history.
Assets: View a user's current and historical assets, which can then be used in making loan underwriting decisions.
Income Verify anyone's income and employment in seconds.
Transactions: Retrieve the transactions of a user quickly, with meta tagging and classification.
Enrich: Make an existing transaction history more useful with metadata like improved transaction description, merchant name and logo, and transaction categorization.
Wallet Onboard Connect to hundreds of self-custody crypto wallets.
Payment Initiation Create a payment to or from a user's bank account (UK and Europe only)
Virtual Accounts Collect domestic payments, initiate payouts and refunds, and streamline reconciliation processes (UK and Europe only)
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