April 15, 2026
Product Updates – April 2026
Product Updates Overview
This month’s updates focus on improving developer experience, expanding financial data insights, strengthening platform reliability, and enhancing payment decisioning. Key highlights include the launch of new User APIs for more consistent identity handling, expanded investment data with margin balances, improved operational tooling for data partners, and more granular control over payment risk through bank-specific rules.
Credit Underwriting
Featured products: CRA
What’s new:
👥 New User APIs now live for a more consistent cross-product experience
As of April 1, 2026, CRA customers using legacy User APIs can migrate to the new User APIs at their own pace. These updated APIs provide simpler, more consistent user identity handling across products. Migration is optional, and legacy APIs will remain available. Clients who remain on legacy APIs will receive additional webhooks to support a smooth transition.
Financial Management Insights
Featured products: Investments
What’s new:
💼 Margin balances in Investments API
Plaid now returns margin loan amounts alongside existing balances in the Investments API for select major U.S. brokerages and retirement providers. This enables customers to better assess how much of a portfolio is financed with borrowed funds, improving calculations for net worth, risk, and leverage.
Open Finance
Featured products: Core Exchange
What’s better:
🔔 Automated alerts for data partner issues
When issues occur, data partners are automatically notified via email and directed to a dedicated Dashboard page to diagnose problems, identify root causes, and resolve issues directly with Plaid. This feature is initially available for Core Exchange integrations, with plans to expand to additional integration types.
Payments
Featured products: Signal Risk Platform
What’s better:
💳 Improve payment decisions with bank-specific rules in Signal Rules
You can now create Signal Rules for specific financial institutions, giving you more precise control over how payments are routed or held based on the end user’s bank. Institutions can be searched and selected directly in the Signal Rules dashboard. This feature is available for Transfer and Signal API customers using Signal Balance Checks or Signal Transaction Scores.