Product Updates - October 2025

Allison Milton
Product Marketing Manager

In case you missed it, we just announced a new suite of ML-powered risk scores designed to help you make faster, smarter decisions across onboarding, payments, and credit. Whether it’s stopping fraud at onboarding, approving a payment in real time, or evaluating loan repayment potential, Plaid’s network-powered scores provide both the clarity of a single number and the richness of underlying insights. Additionally, we’ve also shipped a number of features that continue to drive foundational improvements to our products: we're improving conversion, delivering a better UX for your users, and incorporating more AI tools to drive efficiencies. 

This Month's Featured Highlight: Introducing Plaid LendScore

Here’s a look at our launches and enhancements from October.

Featured products: Transfer

What’s better:

• 💸 More flexibility for money movement: We’ve extended the Transfer payment window. Send wires later in the day with the cutoff extended to 6:30pm ET, giving you more flexibility for your business.

• ⏱️ Save time on payment reconciliation: We now have auto-generated reconciliation reports for Transfer. On the first of each month, you’ll receive auto-generated reports summarizing all inflows and outflows to make reconciliation faster and easier.

Featured products: LendScore, Link, Consumer Report

What’s new:

• 📊 Plaid LendScore (Beta): A first-of-its-kind risk score that blends real-time cash flow data and financial account connection activity to reflect a borrower’s latest financial picture. Leveraging Plaid’s proprietary network insights, the score gives lenders access to a highly predictive data set they can’t get elsewhere that can increase predictive accuracy by 25% compared to using traditional credit data alone. Sign up for the wait list to be one of the first lenders to get access, and in the meantime read our blog post for more info.

What’s better:

• 📲 Higher converting Consumer Report Link Flow: We made changes to the UX design for our Consumer Report Link flow that increased handoff rate by 2%

• 📃 Enhanced Consumer Report PDF Report: The PDF report offers a more comprehensive view of a borrower’s finances that includes insights from Plaid’s partners.

Featured products: Protect, Signal

What’s better:

• 2️⃣ Trust Index 2 (Ti2): Ti2 is the latest machine learning model powering Plaid Protect. What benefit does Ti2 bring? A 30% increase in fraud detection compared to Ti1, plus two new categories of insights to further flag fraudulent activity: transaction and graph patterns. 

  • Transaction history gives insight into normal vs. abnormal payments for each user – helpful in detecting account takeovers and first-party fraud.

  • Attributes gleaned from network-wide graphs uncovers hidden connections between users and bank accounts – especially powerful for spotting fraud rings.  

• 🧑‍💻 Enhanced rule templates in Signal Rules: We’ve launched new templates, adjustable to your risk tolerance, in the Signal Rules dashboard to enhance your ability to get up and running quickly and strike the right balance between approvals and returns from day one.

• 💡 Receive optimized rule recommendations for Signal Transaction Scores: We’re testing beta functionality for Signal to generate optimized recommendations for clients based on early insights from your transaction traffic. If you’re interested in joining the beta, reach out to your account team to see if you qualify.

Featured products: Layer

What’s better:

• 📈 5% conversion boost in Layer: Enhancements like a redesigned intro pane, refined UI, and swipe-down-to-exit gesture, plus authentication improvements, have increased Layer conversion rates by 5% with no changes required.

Featured products: Plaid Docs, Plaid Developer Dashboard, Plaid MCP

What’s new:

• 🏛 New institution search tool: The Coverage Explorer allows you to easily see Plaid product coverage via an interactive web-based tool. Search over 10,000 institutions by financial institution or product. 

• 🧰 Connect even more LLM-powered applications to Plaid’s developer tools: The Plaid Dashboard MCP Server is now available through Le Chat by Mistral AI (launched Sept 2025), in addition to Claude.ai and Claude Desktop (launched May 2025) in a rapidly growing ecosystem

•  🚀 Get from 0 to 1 faster: The Plaid AI Coding Toolkit is now available on the Cursor MCP directory (read our blog)

What’s better: 

• 🛍️ Discover and manage your Plaid products with our new product catalog experience: The Plaid Dashboard features a new product “catalog” experience to help customers more effectively discover and add the products that support their existing and future needs. With the new experience, customers can also keep up-to-date on the status of their product requests, both in the catalog and via email / in-dashboard notifications. They can also self-serve cancel their prior product requests in the catalog with one click. 

Featured products: Bank Intelligence Suite, Plaid Retention Score

What’s new:

• 🏦 Introducing Bank Intelligence: For years, Plaid has been the trusted infrastructure behind open finance - building secure connections that empower millions of people and thousands of apps and services. Now, we’re introducing the next chapter: Plaid Bank Intelligence, a new suite of insights for financial institutions of all sizes focused on customer engagement and fraud prevention.

• 📉 Plaid Retention Score (Beta): As the first step of Bank Intelligence, Retention Score highlights direct deposit churn risks for your customer base. Powered by Plaid’s network signals, it enables banking partners to gain early visibility into churn and retention to improve customer engagement. Sign up for the beta waitlist to stay up to date and be among the first to use the score.

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