# Plaid **Canonical:** https://apis.io/providers/plaid/ **Website:** https://plaid.com/ **APIs profiled:** 31 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. ## Kin Score — 68.6 / 100 (exemplar) Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 68.6). | Facet | Score | |---|---| | Discoverability | 75.9 | | Contract Quality | 65.8 | | Governance | 41.7 | | Contract Governance | 41.7 | | Operational Transparency | 57.9 | | Developer Ergonomics | 66.1 | | Commercial Clarity | 69.7 | | Access Clarity | 69.7 | Regulatory layer — **Banking & Open Finance**: 63.3 (matched via tags). ## Agent readiness — 49.8 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | yes | | Idempotency | documented | | Error Semantics | documented | | OpenAPI Examples | verified | | Rate Limit Signal | documented | | Event Surface Described | derived | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high). ## APIs (31) - **Plaid Auth API** — Plaid's Auth is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect ... - **Plaid Balance API** — Plaid's Balance is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne... - **Plaid Identity API** — Plaid's Identity is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conn... - **Plaid Identity Verification API** — Plaid's Identity Verification is part of the Plaid open-finance platform, exposing 5 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers ... - **Plaid Monitor Watchlist Screening API** — Plaid's Monitor Watchlist Screening is part of the Plaid open-finance platform, exposing 20 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets deve... - **Plaid Beacon API** — Plaid's Beacon is part of the Plaid open-finance platform, exposing 12 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne... - **Plaid Signal API** — Plaid's Signal is part of the Plaid open-finance platform, exposing 8 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connec... - **Plaid Transfer API** — Plaid's Transfer is part of the Plaid open-finance platform, exposing 49 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely con... - **Plaid Bank Transfer API** — Plaid's Bank Transfer is part of the Plaid open-finance platform, exposing 13 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securel... - **Plaid Transactions API** — Plaid's Transactions is part of the Plaid open-finance platform, exposing 17 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely... - **Plaid Categories API** — Plaid's Categories is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co... - **Plaid Investments API** — Plaid's Investments is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely c... - **Plaid Liabilities API** — Plaid's Liabilities is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely c... - **Plaid Assets API** — Plaid's Assets is part of the Plaid open-finance platform, exposing 10 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne... - **Plaid Income API** — Plaid's Income is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connec... - **Plaid Employers API** — Plaid's Employers is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely con... - **Plaid Credit API** — Plaid's Credit is part of the Plaid open-finance platform, exposing 23 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne... - **Plaid Consumer Report CRA API** — Plaid's Consumer Report CRA is part of the Plaid open-finance platform, exposing 9 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers se... - **Plaid Statements API** — Plaid's Statements is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co... - **Plaid Payment Initiation API** — Plaid's Payment Initiation is part of the Plaid open-finance platform, exposing 12 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers se... - **Plaid Payment Profile API** — Plaid's Payment Profile is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers secure... - **Plaid Virtual Accounts Wallet API** — Plaid's Virtual Accounts Wallet is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developer... - **Plaid Institutions API** — Plaid's Institutions is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely ... - **Plaid Item API** — Plaid's Item is part of the Plaid open-finance platform, exposing 14 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect... - **Plaid Link API** — Plaid's Link is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect ... - **Plaid Hosted Link Delivery API** — Plaid's Hosted Link Delivery is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers s... - **Plaid Processor API** — Plaid's Processor is part of the Plaid open-finance platform, exposing 21 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co... - **Plaid Partner API** — Plaid's Partner is part of the Plaid open-finance platform, exposing 5 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne... - **Plaid Sandbox API** — Plaid's Sandbox is part of the Plaid open-finance platform, exposing 23 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conn... - **Plaid Deposit Switch API** — Plaid's Deposit Switch is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securel... - **Plaid Core Exchange FDX API** — Plaid's Core Exchange FDX is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers secu... ## MCP servers (1) - **Plaid MCP Server** — Plaid does not publish an official hosted/remote MCP server as of this round (no server advertised in Plaid docs, the plaid GitHub org, or the public MCP registries). This is a ... ## Agentic access (1) - **Plaid Agentic Access** — 577 operations · 577 acting · 12 human-in-the-loop ## Security (3) - **Plaid Authentication** — apiKey · 3 schemes - **Plaid Domain Security** — TLSv1.3 · HSTS · DMARC - **Plaid Trust Center** — SOC 2, ISO 27001 ## Plans (1) - **Plaid Plans Pricing** ## Tags Financial, Fintech, Open Banking, Bank Accounts, Data Aggregation, Payments, United States --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/plaid/). Scores are computed from the provider's own public artifacts under a published rubric.