Plaid

Plaid is a US financial-technology company and data-network aggregator that provides an API platform for businesses to securely connect with their users' bank and financial accounts. Plaid acts as the interface between 12,000+ financial institutions and third-party applications, powering bank-account verification (Auth, Balance, Identity), transactions and enrichment, income and asset verification, lending data (Assets, Liabilities, Investments, Consumer Report/CRA), risk and fraud tooling (Signal, Beacon, Monitor watchlist screening, Identity Verification), and money movement (Transfer, Payment Initiation, Virtual Accounts). Developers integrate through Plaid Link, a self-serve dashboard, client credentials, per-Item access tokens, and a publicly published OpenAPI definition. In the US voluntary open-finance landscape Plaid is an aggregator, and it also operates Core Exchange, its FDX-aligned data-access API for data providers, positioning it for CFPB 1033 open-banking rules.

Plaid publishes 1 API on the APIs.io network: Plaid API. Tagged areas include Financial, Fintech, Open Banking, Bank Accounts, and Data Aggregation.

The Plaid catalog on APIs.io includes 1 event-driven AsyncAPI specification and 2 Spectral governance rulesets.

Plaid’s developer surface includes documentation, engineering blog, pricing, support, sandbox, authentication, changelog, and 47 more developer resources.

🌐 Visit website 📡 Source on GitHub

71.6/100 exemplar ▬ flat Agent 37/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessPaid

71 APIs 17 Features

Financial Fintech Open Banking Bank Accounts Data Aggregation Payments United States

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 71.6/100 · exemplar

Contract Quality 12.9 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 10.5 / 15

Operational Transparency 5.6 / 10

Contract Governance 2.7 / 9

Discoverability 6.1 / 8

Regulatory Posture 9.5 / 15

Create-or-Update Ergonomics 3.9 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/plaid: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Plaid Plaid API

The Plaid API from Plaid — 256 operation(s) for plaid.

Postman Collections 31

Ready-to-run Postman collections for exercising this provider's APIs.

Plaid accounts/

POSTMAN

Plaid asset report/

POSTMAN

Plaid auth/

POSTMAN

Plaid bank transfer/

POSTMAN

Plaid beacon/

POSTMAN

Plaid categories/

POSTMAN

Plaid cra/

POSTMAN

Plaid credit/

POSTMAN

Plaid deposit switch/

POSTMAN

Plaid employers/

POSTMAN

Plaid fdx/

POSTMAN

Plaid identity/

POSTMAN

Plaid identity verification/

POSTMAN

Plaid income/

POSTMAN

Plaid institutions/

POSTMAN

Plaid investments/

POSTMAN

Plaid item/

POSTMAN

Plaid liabilities/

POSTMAN

Plaid link/

POSTMAN

Plaid link delivery/

POSTMAN

Plaid partner/

POSTMAN

Plaid payment initiation/

POSTMAN

Plaid payment profile/

POSTMAN

Plaid processor/

POSTMAN

Plaid sandbox/

POSTMAN

Plaid signal/

POSTMAN

Plaid statements/

POSTMAN

Plaid transactions/

POSTMAN

Plaid transfer/

POSTMAN

Plaid wallet/

POSTMAN

Plaid watchlist screening/

POSTMAN

Scroll for all 31

Open Collections 32

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Plaid accounts/

OPEN COLLECTION

Plaid asset report/

OPEN COLLECTION

Plaid auth/

OPEN COLLECTION

Plaid bank transfer/

OPEN COLLECTION

Plaid beacon/

OPEN COLLECTION

Plaid categories/

OPEN COLLECTION

Plaid cra/

OPEN COLLECTION

Plaid credit/

OPEN COLLECTION

Plaid deposit switch/

OPEN COLLECTION

Plaid employers/

OPEN COLLECTION

Plaid fdx/

OPEN COLLECTION

Plaid identity/

OPEN COLLECTION

Plaid identity verification/

OPEN COLLECTION

Plaid income/

OPEN COLLECTION

Plaid institutions/

OPEN COLLECTION

Plaid investments/

OPEN COLLECTION

Plaid item/

OPEN COLLECTION

Plaid liabilities/

OPEN COLLECTION

Plaid link/

OPEN COLLECTION

Plaid link delivery/

OPEN COLLECTION

Plaid partner/

OPEN COLLECTION

Plaid payment initiation/

OPEN COLLECTION

Plaid payment profile/

OPEN COLLECTION

Plaid processor/

OPEN COLLECTION

Plaid sandbox/

OPEN COLLECTION

Plaid signal/

OPEN COLLECTION

Plaid statements/

OPEN COLLECTION

Plaid transactions/

OPEN COLLECTION

Plaid transfer/

OPEN COLLECTION

Plaid wallet/

OPEN COLLECTION

Plaid watchlist screening/

OPEN COLLECTION

Scroll for all 32

GraphQL 1

GraphQL schemas published by this provider.

Plaid GraphQL

Plaid does not offer a native public GraphQL API. All Plaid APIs are REST-based, accessed via POST requests to `https://production.plaid.com` with JSON request/response bodies a...

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Plaid Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Plaid Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Plaid Finops

FINOPS

Features 17

Notable capabilities this provider offers.

Auth API for ACH account/routing verification (~$1.50/linked account)

Identity API for KYC name/address/phone match (~$0.30/call)

Income API for income verification

Transactions API with /sync cursor for incremental pulls (~$0.45/call)

Balance API for real-time balance check (~$0.10/call)

Investments, Liabilities, Assets, Statements products

Plaid Link prebuilt UI for OAuth bank connection

12,000+ supported financial institutions

Sandbox environment with synthetic data

Default 100 req/day/Item rate limit

Webhooks for transaction updates and item events

Pay-as-you-go default; Growth tier with discounts and SSO

Custom contracts $1k-$10k+/month with 30-50% volume discounts at scale

Plaid Beacon for fraud network signals

Plaid Transfer for ACH payment initiation

Plaid Signal for ACH risk scoring

Core Exchange: Plaid's FDX-aligned data-access API for data providers

Scroll for all 17

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Plaid Webhooks

AsyncAPI 2.6 specification for the Plaid webhook surface. Plaid delivers asynchronous notifications via HTTP POST to the URL registered on an Item (`webhook` parameter in `/link...

ASYNCAPI

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Plaid API Rules

9 rules · 1 errors 8 warnings

SPECTRAL

Plaid API Rules

8 rules · 1 errors 7 warnings

SPECTRAL

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Plaid Authentication

apiKey · 3 schemes

SECURITY

Plaid Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Plaid Trust Center

SOC 2, ISO 27001

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Plaid Agentic Access

577 operations · 577 acting · 12 human-in-the-loop

577 operations · 577 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Quickstarts

Quickstarts

Sandbox

Sandbox

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

OpenAPISource

OpenAPISource

AsyncAPI

AsyncAPI

Agent Surfaces 7

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

LlmsText

AgenticAccess

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkills

AgentSkills

LLMsTxt

LLMsTxt

Scroll for all 7

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

ErrorCodes

Versions

Webhooks

Conventions

Components

DataModel

ErrorCatalog

Conformance

Lifecycle

Idempotency

Scroll for all 10

Build 9

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Libraries

Libraries

PostmanCollection

CLI

DeclineCodes

Packages

SDKs

ToolCrosswalk

Scroll for all 9

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

DomainSecurity

Authentication

Compliance

Operate 5

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

ChangeLog

ChangeLog

DeprecationPolicy

DeprecationPolicy

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 4

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

BlogRSS

BlogRSS

Other 2

Properties that don't map to a standard resource type

CoreExchangeFDX

CoreExchangeFDX

Overlay

Overlay

Source (apis.yml)

aid: plaid
name: Plaid
url: https://raw.githubusercontent.com/api-evangelist/plaid/refs/heads/main/apis.yml
description: Plaid is a US financial-technology company and data-network aggregator that provides an API platform for businesses
  to securely connect with their users' bank and financial accounts. Plaid acts as the interface between 12,000+ financial
  institutions and third-party applications, powering bank-account verification (Auth, Balance, Identity), transactions and
  enrichment, income and asset verification, lending data (Assets, Liabilities, Investments, Consumer Report/CRA), risk and
  fraud tooling (Signal, Beacon, Monitor watchlist screening, Identity Verification), and money movement (Transfer, Payment
  Initiation, Virtual Accounts). Developers integrate through Plaid Link, a self-serve dashboard, client credentials, per-Item
  access tokens, and a publicly published OpenAPI definition. In the US voluntary open-finance landscape Plaid is an aggregator,
  and it also operates Core Exchange, its FDX-aligned data-access API for data providers, positioning it for CFPB 1033 open-banking
  rules.
kind: company
tags:
- Financial
- Fintech
- Open Banking
- Bank Accounts
- Data Aggregation
- Payments
- United States
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/plaid.png
score: 1200
created: '2024-07-07T00:00:00.000Z'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: plaid:plaid-plaid-api
  name: Plaid Plaid API
  description: The Plaid API from Plaid — 256 operation(s) for plaid.
  humanURL: https://plaid.com/docs/auth/
  baseURL: https://production.plaid.com
  tags:
  - Plaid
  properties:
  - type: OpenAPI
    url: openapi/plaid-plaid-api-openapi.yml
  - type: Documentation
    url: https://plaid.com/docs/auth/
  - type: Documentation
    url: https://plaid.com/docs/balance/
  - type: Documentation
    url: https://plaid.com/docs/identity/
  - type: Documentation
    url: https://plaid.com/docs/identity-verification/
  - type: Documentation
    url: https://plaid.com/docs/monitor/
  - type: Documentation
    url: https://plaid.com/docs/beacon/
  - type: Documentation
    url: https://plaid.com/docs/signal/
  - type: Documentation
    url: https://plaid.com/docs/transfer/
  - type: Documentation
    url: https://plaid.com/docs/transactions/
  - type: Documentation
    url: https://plaid.com/docs/investments/
  - type: Documentation
    url: https://plaid.com/docs/liabilities/
  - type: Documentation
    url: https://plaid.com/docs/assets/
  - type: Documentation
    url: https://plaid.com/docs/income/
  - type: Documentation
    url: https://plaid.com/docs/check/
  - type: Documentation
    url: https://plaid.com/docs/statements/
  - type: Documentation
    url: https://plaid.com/docs/payment-initiation/
  - type: Documentation
    url: https://plaid.com/docs/api/products/virtual-accounts/
  - type: Documentation
    url: https://plaid.com/docs/api/institutions/
  - type: Documentation
    url: https://plaid.com/docs/api/items/
  - type: Documentation
    url: https://plaid.com/docs/link/
  - type: Documentation
    url: https://plaid.com/docs/api/processor-partners/
  - type: Documentation
    url: https://plaid.com/docs/api/partner/
  - type: Documentation
    url: https://plaid.com/docs/sandbox/
  - type: Documentation
    url: https://plaid.com/docs/
  - type: Documentation
    url: https://plaid.com/docs/api/
common:
- type: AgentSkill
  url: skills/plaid-authorize-and-create-transfer.md
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/plaid/overview
- type: Website
  url: https://plaid.com/
- type: DeveloperPortal
  url: https://plaid.com/docs/
- type: Documentation
  url: https://plaid.com/docs/api/
- type: GitHubOrganization
  url: https://github.com/plaid
- type: LinkedIn
  url: https://www.linkedin.com/company/plaid-
- type: Blog
  url: https://plaid.com/blog/
- type: BlogRSS
  url: https://plaid.com/blog/rss.xml
- type: Pricing
  url: https://plaid.com/pricing/
- type: TermsOfService
  url: https://plaid.com/legal/
- type: PrivacyPolicy
  url: https://plaid.com/legal/#privacy-policy
- type: Support
  url: https://plaid.com/docs/support/
- type: StatusPage
  url: https://status.plaid.com/
- type: Quickstarts
  url: https://plaid.com/docs/quickstart/
- type: Sandbox
  url: https://plaid.com/docs/sandbox/
- type: ErrorCodes
  url: https://plaid.com/docs/errors/
- type: Libraries
  url: https://plaid.com/docs/api/libraries/
- type: Versions
  url: https://plaid.com/docs/api/versioning/
- type: PostmanCollection
  url: https://plaid.com/docs/api/postman/
- type: Webhooks
  url: https://plaid.com/docs/api/webhooks/
- type: OpenAPISource
  url: https://github.com/plaid/plaid-openapi
- type: CoreExchangeFDX
  url: https://github.com/plaid/core-exchange
- type: Login
  url: https://dashboard.plaid.com/signin
- type: LlmsText
  url: https://plaid.com/llms.txt
- type: AgenticAccess
  url: agentic-access/plaid-agentic-access.yml
- type: TrustCenter
  url: security/plaid-trust-center.yml
- type: DomainSecurity
  url: security/plaid-domain-security.yml
- type: Authentication
  url: authentication/plaid-authentication.yml
- type: Sandbox
  url: sandbox/plaid-sandbox.yml
- type: Conventions
  url: conventions/plaid-conventions.yml
- type: ChangeLog
  url: changelog/plaid-changelog.yml
- type: CLI
  url: cli/plaid-cli.yml
- type: Components
  url: components/plaid-components.yml
- type: DataModel
  url: data-model/plaid-data-model.yml
- type: DeclineCodes
  url: errors/plaid-decline-codes.yml
- type: ErrorCatalog
  url: errors/plaid-problem-types.yml
- type: Packages
  url: packages/plaid-packages.yml
- type: SDKs
  url: packages/plaid-packages.yml
- type: WellKnown
  url: well-known/plaid-well-known.yml
- type: Conformance
  url: conformance/plaid-conformance.yml
- type: Compliance
  url: security/plaid-trust-center.yml
- type: Lifecycle
  url: lifecycle/plaid-lifecycle.yml
- type: DeprecationPolicy
  url: https://plaid.com/docs/api/versioning/
- type: Idempotency
  url: conventions/plaid-conventions.yml
- type: AsyncAPI
  url: asyncapi/plaid-webhooks--asyncapi-original.yml
- type: X-MCPServerCandidate
  url: mcp/plaid-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/plaid-tool-crosswalk.yml
- type: AgentSkills
  url: skills/_index.yml
- type: Overlay
  url: overlays/plaid-transfer-overlay.yaml
- type: LLMsTxt
  url: llms/plaid-llms.txt
- type: Plans
  url: plans/plaid-plans-pricing.yml
- type: RateLimits
  url: rate-limits/plaid-rate-limits.yml
- type: FinOps
  url: finops/plaid-finops.yml
- type: Features
  data:
  - Auth API for ACH account/routing verification (~$1.50/linked account)
  - Identity API for KYC name/address/phone match (~$0.30/call)
  - Income API for income verification
  - Transactions API with /sync cursor for incremental pulls (~$0.45/call)
  - Balance API for real-time balance check (~$0.10/call)
  - Investments, Liabilities, Assets, Statements products
  - Plaid Link prebuilt UI for OAuth bank connection
  - 12,000+ supported financial institutions
  - Sandbox environment with synthetic data
  - Default 100 req/day/Item rate limit
  - Webhooks for transaction updates and item events
  - Pay-as-you-go default; Growth tier with discounts and SSO
  - Custom contracts $1k-$10k+/month with 30-50% volume discounts at scale
  - Plaid Beacon for fraud network signals
  - Plaid Transfer for ACH payment initiation
  - Plaid Signal for ACH risk scoring
  - 'Core Exchange: Plaid''s FDX-aligned data-access API for data providers'
  sources:
  - https://plaid.com/pricing/
  updated: '2026-07-23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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