Product Updates - December 2025

Niki Taylor
Product Marketing Manager

To wrap up the year, we’re focused on making Link smoother to help lift conversion, while giving you easier access to the data insights you need to fight fraud and make smarter decisions. This includes a streamlined pay by bank flow, a redesigned Verification of Assets report, API access to Trust Index, and more.

This month’s feature highlight: AI-enhanced transaction categorization

Here’s a look at what launched in December.

Featured products: Pay by bank

What’s better:

• 🏦 Improved conversion in pay-by-bank flows: Embedded Link experiences for pay-by-bank now convert 5% higher (relative)—driven by upgrades like fully embedded OTP, faster 1-click return flows, and smarter institution recommendations powered by refreshed ML models.

Featured products: Consumer Report

What’s new:

• 🆕 User APIs to improve product usability: Starting in December 2025, for new integrations with Consumer Report products, you will be required to implement Plaid’s user APIs (v1) in order to maximize compatibility with the next generation of user-based products. Backwards compatibility will be supported and we will share information in Q1 2026 on how to optionally migrate.

What’s better:

• 📄 Redesigned Verification of Assets report with more insights: In the updated PDF version of the Verification of Assets report for mortgage lending, you can get a detailed overview of a borrower’s connected accounts with current and average balances, a breakout of deposits and withdrawals, and total inflows/outflows for each account to simplify cash flow review.

Featured products: Identity Verification

What’s better:

• 🛡️ Trust Index score available via API: In addition to the dashboard, you can get Ti1, our machine learning powered fraud score, in the API response as a robust and seamless way to make decisions. 

• 🎭 Facial duplicate results available via API: If the same face is being used across multiple accounts, Plaid flags this to you via API response (also available in your dashboard). This helps strengthen your defenses against synthetic identity fraud and repeat fraud attempts. 

Featured products: Link

What’s better:

• 📈 Boost Link conversion by passing phone numbers: When you pass phone numbers into Link, Plaid can prefill the end user’s number to cut friction and speed up the flow. In tests, phone number prefill and skip-to-OTP increased conversion by 1.33% and OTP success by 5.96% (relative).

• ⚡ Faster load times with Plaid SDKs: Teams using the latest Plaid SDKs routinely see Link load times under 2 seconds, and even faster when pre-initializing. Upgrade to the newest version now to speed up your users’ experience.

Featured products: Transactions

What’s better:

• 🧠 Smarter insights with AI-enhanced categorization: Our AI-trained, transaction categorization model delivers up to 20% higher accuracy on detailed subcategories. We also added more than a dozen subcategories across income, repayments, disbursements, fees, and transfers to give you clearer insights into your users’ financial activity.

Explore the full list of recent changes in our API changelog.