October 23, 2025
Plaid Investments: Leading the next era of digital investing
Retail investing is booming, while also becoming more complex than ever before. Consumers are managing assets across a multitude of platforms: brokerage accounts, retirement plans, crypto wallets, even property. As a result, understanding someone’s financial picture has never been more challenging.
For wealth managers and fintechs, that complexity makes it difficult to deliver personalized advice or seamless investing experiences. To serve today’s investors, they need client-permissioned data that’s accurate, reliable, and connected across every part of a client’s portfolio.
That’s why we’re entering the next phase of our Investments platform, setting industry-leading benchmarks for data quality, accuracy, and reliability while helping institutions deliver the best-in-class, modern investing experiences their customers expect.
The challenges of managing investment data
Investment data has long been riddled with gaps and inconsistencies that frustrate both consumers and institutions. Aggregating data from hundreds of brokerages, banks, and investment platforms—each with its own formats and refresh cycles—makes even basic information unreliable. Some common issues include:
Zero balances where holdings exist, often caused by timing mismatches or incomplete refreshes
Missing tickers and identifiers, due to inconsistent data structures across institutions
Asset transfers that appear incomplete or fail without clear expectations
These errors create friction for investors, especially those managing their own portfolios, and generate costly support tickets for institutions. They also make it harder for digital investment platforms, from personal finance apps to brokerages to wealth managers, to deliver a complete and trustworthy picture of a user’s financial life.
The latest advancements in Plaid Investments
Over the past year, we’ve strengthened the Investments platform to deliver measurable gains in accuracy, conversion, and reliability. Three highlights stand out:
1. Securities data you can trust
We improved the completeness and accuracy of core investment data so users and developers can rely on every price and identifier.
Fixed missing or incorrect prices and identifiers, ensuring holdings reflect the right values
Captured key details with 99% completeness, including price, value, quantity, security ticker, and more
Standardized pricing across the most commonly traded securities, keeping prices accurate and aligned across institutions
2. Cleaner, more accurate investment transactions
We refined transaction data to make it clearer, more consistent, and easier to trust across every refresh.
Corrected buy and sell labels, so transactions always reflect the right direction of money flow
Aligned transaction subtype names with FDX taxonomy, improving consistency and reducing data mismatches
Increased the reliability of pending transactions more than fourfold, so they stay visible and accurate until fully processed
3. Faster, more reliable connections
We strengthened data flow between Plaid and leading financial institutions to deliver faster, more dependable performance.
Cut data refresh times by 85%, so balances and holdings update almost instantly
Delivered institution-specific enhancements for 7 of the top 30 institutions, boosting both connection success and reliability
Customer impact: Better data, better outcomes
These improvements aren’t just technical milestones—they’re driving real business results. With higher-quality data, our partners are able to onboard more clients, reduce support costs, and unlock growth opportunities.
Across the Plaid platform, we’ve seen up to a ~10%+ absolute conversion improvement in the past year with the upgrades we’ve made to our Investments infrastructure. Furthermore, brands using Plaid Investments are reporting fewer support tickets and higher completion rates. And for end users, better data translates into deeper engagement: at Ziggma, customers connecting through Plaid experienced a 4.3x higher engagement rate in Ziggma’s app compared to those who did not.
What's next: Powering innovation in wealth
We’re just getting started. Plaid is expanding Investments to help institutions meet the needs of a rapidly changing market. What’s up next:
Broader connectivity across the financial ecosystem, including more retirement accounts, crypto, and property, for a more complete view of clients’ financial lives
Continuing to streamline asset transfers with Investments Move, already live today, which automates ACATS to reduce rejections and accelerate time to funding—removing one of wealth management’s biggest pain points
Faster issue resolution with new investigation tools that give advisors the visibility required to quickly identify and fix issues
Smarter support experiences that help institutions stay connected with clients during outages and preserve trust
Taken together, these advancements move beyond the goal of standardizing complex data across institutions. They help institutions serve clients and grow in an increasingly competitive market.
Setting the standard for modern investing
Trust has always been central to investing, and Plaid is shaping how it’s earned in the digital era. Plaid Investments powers instant connectivity, accurate portfolio data, and dependable money movement that redefine what institutions and investors can expect from digital investing. With industry-leading data quality and reliability, institutions can focus on innovation and growth, while investors gain trust in a complete and accurate financial picture.
👉 Learn more about how Plaid Investments can help you power trusted experiences for the next generation of investors.
👉 Connect with us to learn about Plaid Investments and what’s coming next.