Plaid changelog

• Announced upcoming Bank of America API migration and consent expiration. Existing Bank of America Items can be migrated to the new Bank of America API beginning in early 2026 and must eventually be migrated to avoid entering an ITEM_LOGIN_REQUIRED state. The exact beginning and end dates of the migration will be announced in 2026. Bank of America Items on the new API will have a 12-month consent expiration applied.

• Released Plaid's new User APIs, supporting all new integrations of Plaid Check, Multi-Item Link, and Plaid Protect. The User APIs create a single, simplified representation of a user via the user_id field and will be the representation used by the Plaid API going forward. Customers with existing integrations should continue to use user tokens; migration instructions will be released in 2026. See New User APIs for more details.

For Link:

• Ended support for Modular Link, a specific form of Link only available in Europe.
• Improved the ability of the returning user experience to recognize a returning user on the same device.

For Layer:

• Added support for the SESSION_FINISHED webhook, allowing backend detection of when a session is complete and public_token delivery.

Added the following template improvements:

• Layer template support for required_if_supported_products, optional_products, and additional_consented_products.
• A custom preferred institutions list, allowing you to select which institutions are prioritized.
• Customizing whether the SSN shown in Link is masked
• The ability to set criteria to pre-select certain accounts in Link, like those with the highest balance or recent income, to encourage users to share those. (This feature is in closed beta; contact your account manager for access.)

For Transactions:

Released Personal Finance Categories v2 (PFCv2). PFCv2 includes both improved transaction categorization accuracy (approximately 10% improvement at the category level and 20% improvement at the subcategory level) and a new, more granular transaction schema with additional categories specifically useful for Earned Wage Access (EWA) use cases, with six additional income subcategories, six additional loan disbursement subcategories, and three additional loan repayment subcategories. Additional subcategories have also been added for bank fees.

To opt in to PFCv2, existing customers should use set personal_finance_category_version to v2 in the /transactions/sync, /transactions/get, or /transactions/enrich request. Opting in to PFCv2 is required for existing customers to receive the new, more granular subcategories. To receive the PFCv2 accuracy improvements, customers do not need to opt in to PFCv2 (with the exception of a small subset of customers in the EWA industry). All new customers enabled for Transactions after December 3, 2025 will be opted in to PFCv2 by default.

For Identity Verification:

• Added latest_scored_protect_event field to response objects in the Identity Verification endpoints.

For Plaid Check Consumer Report:

• Improved data normalization of the employer_name field.
• If the data retrieved by Plaid for a Consumer Report shows strong signs of being inaccurate (e.g. balance history and transaction history inconsistent with each other, or transaction history contains duplicate transactions), the report generation will now fail with a DATA_QUALITY_CHECK_FAILED error. This is estimated to impact approximately one in one thousand report generation attempts. If you experience this error, wait at least 24 hours and then try again.
• For /cra/check_report/income_insights/get, added bank_income_source.status and bank_income_source.income_provider fields.
• For /cra/check_report/income_insights/get, make income_provider nullable.

• Fixed an issue in which unhealthy Items would occasionally continue to be reported as healthy and never enter the ITEM_LOGIN_REQUIRED state.
• Delays with Chase OAuth registration have been resolved. Chase registration will now typically complete in approximately 1-2 business days for new clients. If you have received Production access and completed your Security Questionnaire over two weeks ago and do not yet have Chase access, contact your Account Manager or file a support ticket.

For Link:

• Released iOS SDK v6.4.2, resolving a syncFinanceKit crash when running on iPad on compatibility mode.
• Released Android SDK v.5.5.0, with the following improvements: made LinkErrorCode.errorType public, fixed bug where Layer "auto" customization for light/dark mode was always dark, and added onLoad callback to Plaid.create for detecting when Link is ready to present.
• Released React Native SDK v12.6.1, updating the iOS SDK to v6.4.2 and improving internal logging and debugging to help diagnose customer issues more effectively.
• Released React Native SDK v12.7.0. This version adds onLoad to LinkTokenConfiguration, fired once when Link is fully loaded and ready to present. You can use it to manage your own loading UI or defer presentation until ready.

For Auth:

• PNC TAN expiration, previously scheduled to begin in January 2026, has been postponed until further notice. Further updates on PNC TAN expiration are not expected until 2026. The changelog will be updated when new information is available.

For Assets:

• Added Account Insights to Asset Reports in Europe. Account Insights includes many fields providing detailed information on a end user's credit risk and affordability, including insights about spending activity, income, atypical transactions, minimum and negative balances, loan payment activity, and gambling activity. Account Insights is only available in Europe. US customers seeking similar information should use Plaid Check Consumer Report.

For Plaid Check Consumer Report:

• Added support for investments holdings and accounts in reports, such as Verification of Assets (VoA) reports.

For Identity Verification:

• For Document Verification, issue_date is now exposed in the API where relevant; previously this information was only available via the Dashboard.

For Transfer:

• Partners can now use access tokens belonging to one of their end customers to call /transfer/authorization/create, allowing them to more easily initiate transfers even if the end customer performed the initial Item creation.
• PNC TAN expiration, previously scheduled to begin in January 2026, has been postponed until further notice. Further updates on PNC TAN expiration are not expected until 2026. The changelog will be updated when new information is available.

For Balance, Transfer, and Signal:

• Renamed "Signal" product to "Signal Transaction Scores". "Plaid Signal" now refers to Plaid's suite of capabilities used for assessing ACH return risk, which includes both Signal Transaction Scores and Balance.
• Streamlined Balance and Signal Transaction Scores integrations with the creation of Balance-only Signal rulesets and a single shared integration path for the Plaid Signal suite (Balance and Signal Transaction Scores) using the /signal/evaluate endpoint.
• Balance customers, including those who do not use Signal Transaction Scores, can now integrate using the /signal/evaluate endpoint and Signal Rules in the Dashboard to take advantage of no-code configuration, managing business logic, and tuning rules.
• Signal Transaction Scores customers can manage both Signal rule evaluations (now known as Signal Transaction Scores-powered rule evaluations) and Balance-only rule evaluations via a single Dashboard, consolidating business logic and performance tuning for all Plaid Signal products in a single no-code interface.
• All new Signal Transaction Scores customers who do not specify a ruleset_key when calling /signal/evaluate will now be assumed to be using the default ruleset, rather than no ruleset. Customers who do not want to use a ruleset can contact their Account Manager to opt out. This change does not impact existing Signal Transaction Scores customers; all existing customers will automatically be opted out of this behavior.

These changes will automatically take effect for all new customers who are enabled in Production for Balance or Signal Transaction Scores after October 15, 2025. A migration path will be available soon for existing customers. If you are an existing customer and would like to migrate early, contact your Account Manager for information.

For Plaid Check Consumer Report:

• Released the Plaid LendScore. The LendScore is a score from 1-99 that indicates an end user's creditworthiness based on data from their Plaid-linked accounts. LendScore is currently in closed beta. To request access, existing customers should contact their Plaid Account Manager; new customers should contact Sales.

• Released Cash Flow Insights, providing aggregated transaction data across all permissioned accounts. This data can be used for credit decisioning and forms the basis of the Plaid LendScore. Cash Flow Insights is currently in closed beta. To request access, existing customers should contact their Plaid Account Manager; new customers should contact Sales.

For Transfer:

• Released Transfer for Platforms (formerly Platform Payments) to wider beta for reseller partners (i.e. platforms that incorporate Plaid to facilitate pay-by-bank for their customers), with a set of redesigned endpoints for Platform use cases. If you are interested in using Transfer as a Platform, contact your Plaid Account Manager.

For Link:

• Released Android SDK v5.4.0, resolving an issue in which the selection event was missing in LinkEvent.EventMetadata, resolving an issue where metadataJson in LinkEventMetadata could be an empty string instead of {}, and improving internal logging and debugging to help diagnose customer issues more effectively.
• Released React Native SDK v12.6.0, updating Android to v5.4.0 and iOS to v6.4.1.

For Auth:

• Enabled known Instant Match incompatible depository accounts within the single account Account Select pane. While these accounts cannot be connected via Instant Match, end users can now select them in order to verify them via other methods, such as micro-deposits or Database Auth.

For Plaid Check Consumer Report:

• Base Reports and Income Insights Reports are now available to customers on Pay-as-you-go or Growth plans.

For Partners:

• Partners can now file tickets on behalf of their end customers directly from the Partner Dashboard without impersonating the end customer. This feature is not yet available for missing/faulty data categories.

For Link:

• Released iOS SDK v6.4.1, resolving an issue in which the selection event was missing in LinkEvent.EventMetadata and improving internal logging and debugging to help diagnose customer issues more effectively.

For Auth and Identity:

• Released UI improvements to the Account Verification Dashboard, including labels and session counts on the Overview page to show at a glance which flows each Link customization is enabled for and which customizations are actively used.

For Credit products:

• Released UI improvements to the Credit Dashboard (beta), including improved search, sort, and filter capabilities on the session overview page; breadcrumb navigation within the Dashboard; labeling of pending versus posted transactions; and color-coding / formatting to more clearly distinguish positive from negative transaction amounts.

For Layer:

• Shipped UI changes to the Layer flow to increase conversion.

For Transfer:

• Changed the default and maximum count values for /transfer/event/sync from 25 and 100 to 100 and 500, respectively.

Due to a change in Chase's permissioning UI, the USER_ACCOUNT_REVOKED webhook will no longer be fired for Chase Items, as Chase no longer allows account-level permissions revocation. Instead, the USER_PERMISSION_REVOKED webhook will be fired. PNC Items will continue to support the USER_ACCOUNT_REVOKED webhook.

For Plaid Check Consumer Report:

• Updated designs of certain panes in the Link flow. These are small visual updates that have resulted in improvements to both Link conversion and Plaid Passport enrollment.

For Transfer:

• Deprecated the funds_settlement_date field. All customers using Plaid Ledgers should use the expected_funds_available_date instead.

For Link:

• Released React Native SDK v12.5.1, containing bug fixes for Android build errors.
• Released React Native SDK v12.5.2, resolving iOS startup crash on React Native version 0.81+ introduced in v12.5.1. Also adds metadataJson key to event data to allow for all keys to be camelCase and updates Android SDK to 5.3.3.
• Released React Native SDK v12.5.3, upgrading Android SDK to v5.3.4.
• Released Android SDK v5.3.3, containing the following changes: upgrade dependency com.google.code.gson:gson to 2.9.1, upgrade dependency com.squareup.okhttp3:logging-interceptor to 4.9.2.
• Released Android SDK v5.3.4, fixing a retrofit reinitialization bug.

For Auth:

• TAN expirations at PNC have been postponed until January 2026. While PNC Items will still expire after one year if consent is not renewed, the TAN will continue to be valid until at least January 2026.

For Plaid Check Consumer Report:

• For Cashflow Monitoring, added the ability to subscribe to updates on a per-Item level.
• For Cashflow Monitoring, removed the fields baseline_count and baseline_amount in response to customer feedback. These fields will be omitted or returned with null values going forward.

For Identity Verification:

• Improvements to Trust Index Scores (US verifications only):
  • Added the Trust Index Thresholds feature, which allows customers to set a minimum Trust Index score in addition to attribute-based Risk Rules.
  • Improved and simplified the UI for displaying Trust Index Scores. Identity Verification will now display the primary drivers for the score as bullet points.
  • Improved the algorithm for calculating Trust Index Scores, resulting in substantially increased accuracy.

For Investments Move:

• Added a new error code, MANUAL_VERIFICATION_REQUIRED, when /investments/auth/get is called on an Item that requires an interactive Link session for verification. To resolve this error, send the Item through update mode.

For the Dashboard:

• The "Team Management" permission is no longer required to access the Link Analytics page. Any verified user can now access this page.
• The "Link Customization Write Access" permission is now required to access Link Customization / Template editor pages instead of the "Team Management" permission.

For Link:

• Released Plaid Android SDK 5.3.2, including an upgrade to version 3.25.5 of the com.google.protobuf:protobuf-kotlin-lite library.

For Auth:

• Improved the Link UI on the "Are you sure?" screen displayed when an end user attempts to close Link without connecting an account. The new screen more prominently displays the option to link an account via non-credential based flows (if enabled), resulting in increased Link conversion.

For Plaid Check Consumer Report:

• Added support for Consumer Report in the Embedded Institution Search Link UI. This Link configuration is recommended when using Consumer Report alongside Auth as part of a single Link flow that supports bank account linking for both underwriting and repayment.

For Layer:

• Added Extended Autofill, which expands the number of users who can have their personal information prefilled with Layer, even if their phone number is not Layer eligible. To learn more and add Extended Autofill to your existing integration, see Extended Autofill.

For Transfer:

• Added monthly Transfer reconciliation report emails. This feature is currently opt-in; to request access, contact your Plaid Account Manager.

For the Plaid Dashboard:

• Added audit logs of Dashboard actions. Audit logs are available to admins via the Dashboard under Settings -> Audit Logs. Currently, core Dashboard actions are logged; logging for actions in product-specific Dashboards is not yet available. Audit logs are available only to customers on Premium Platform Support packages. To learn more about upgrading to a Premium Platform Support package, contact your Account Manager.

For all products:

• For /item/remove, added optional reason_code and reason_note fields. Using these fields when removing an Item can help Plaid identify fraud and bad actors in the Plaid Network, improving anti-fraud data for all Plaid customers.

For Plaid Link:

• Released Plaid Android SDK 5.3.1, fixing a bug in which screens did not properly resize for the keyboard on Android 15+.

For Plaid Check Consumer Report:

• Added the ability to generate Verification of Assets (VoA) and Employment Refresh reports suitable for providing to GSEs. To generate these reports, use the base_report.gse_options field when calling /cra/check_report/create or /link/token/create.
• Added the ability to create and manage OAuth tokens to securely share consumer report data with Plaid partners Experian, Fannie Mae, and Freddie Mac. For more details, see Consumer Report OAuth data sharing.

For Identity Verification:

• In the Document Verification analysis object, added the aamva_verification object to report results from the American Association of Motor Vehicles Administrators (AAMVA) Drivers License Data Verification service. This object is currently in beta. To receive AAMVA data, you must enable the corresponding feature in your Identity Verification template under the "DMV/Secretary of State Validation" header in the Workflow tab of the Template Editor. This object will only be populated for US drivers licenses in participating states.

For Investments:

• Removed the sedol field from responses, as this field was only available for stocks that trade on London Stock Exchange and to customers that had the appropriate licenses. The sedol field will now be null for all securities.
• Added subtype identifiers to the security object to specify the type of a security in more detail. New subtype values are: asset backed security, bill, bond, bond with warrants, cash, cash management bill, common stock, convertible bond, convertible equity, cryptocurrency, depositary receipt, depositary receipt on debt, etf, float rating note, fund of funds, hedge fund, limited partnership unit, medium term note, money market debt, mortgage backed security, municipal bond, mutual fund, note, option, other, preferred convertible, preferred equity, private equity fund, real estate investment trust, structured equity product, treasury inflation protected securities, unit, warrant.

For Transfer:

• In the /transfer/capabilities/get response rfp object, added max_amount and iso_currency_code fields.
• Added /transfer/ledger/event/list endpoint.

For Plaid Link:

• Released a visual refresh of the Link UI to match the Plaid brand refresh. This update does not change the functionality of Link.
• Released Plaid iOS SDK 6.4.0, adding issueDescription and issueDetectedAt to EventMetadata.
• Released Plaid Android SDK 5.3.0, adding issueDescription and issueDetectedAt to EventMetadata, the event LAYER_AUTOFILL_NOT_AVAILABLE, and supporting the dateOfBirth parameter for Layer.
• Released Plaid React Native SDK 12.4.0. This release updates the Android SDK to 5.3.0 and the iOS SDK to 6.4.0. It also includes updates to the example application to make it more clear how to use Layer and Sync Financekit.
• Released Plaid React Link SDK 4.1.1, patching a build issue introduced in version 4.1.0.

For Plaid Check Consumer Report:

• Improved income forecasting calculations in the Income Insights report:
  • Tax refunds and inactive income streams will no longer contribute to forecasted income.
  • Income forecasts will now use all available income history (up to 5 years) rather than a 90 day maximum.
• During the week of August 18, 2025, Data Transparency Messaging (DTM) will be disabled for Consumer Report until further notice. No action is needed on the part of impacted customers. For Link sessions that include both Plaid Check products and Plaid Inc. products in a single Link flow, DTM will still be used for Plaid Inc. products if it is otherwise enabled for the Link flow.

For Signal:

• Beginning September 1, 2025, when /signal/decision/report or /signal/return/report is called with an unknown client_transaction_id (one that was never submitted to /signal/evaluate), these endpoints will return an error instead of a success response. This change better reflects that these endpoints should only be used to report returns or decisions on previously-evaluated transactions.

For Transfer:

• Added more granular Transfer-specific permissions controls to the Dashboard. For more details, see Transfer Dashboard permissions. To manage your team's Transfer permissions, use the Dashboard -> Team Settings -> Members page.

For Plaid Link:

• Released Plaid React Link SDK 4.1, with support for passing date of birth for Layer autofill.

For Plaid Link:

• Released Plaid iOS SDK 6.3.2, with fixes to XCFramework signing issue.
• Released Plaid iOS SDK 6.3.1, with updated Layer Submit API, new Layer event LAYER_AUTOFILL_NOT_AVAILABLE, and exposing Finance Kit sync simulated behavior to Objective-C (React Native).
• Released Plaid React Native SDK 12.3.2, updating the React Native SDK to use Plaid iOS SDK 6.3.2.
• Released Plaid React Native SDK 12.3.1, updating the React Native SDK to use Plaid iOS SDK 6.3.1.

For Plaid Link:

• Released Plaid Android SDK 5.2, with new event names and a new event metadata field, improved behavior for destroy(), a smaller SDK size, and removal of unused dependencies. For more details, see the release notes
• Released Plaid React Native SDK 12.3.0, updating the React Native SDK to use Plaid Android SDK 5.2 and Plaid iOS SDK 6.3.
• Began rolling out a progress bar in the Link UI to all customers. During testing, Link sessions with the progress bar displayed showed a statistically significant increase in Link conversion.

For the Plaid Dashboard:

• Improved the user experience for OAuth registration and onboarding:
  • OAuth registration status is now displayed more prominently within the Dashboard
  • Added estimated timelines for institution enablement
  • Accelerated the OAuth registration process, resulting in shorter waits for OAuth enablement
  • Added more complete list of institutions that use OAuth and their enablement statuses
  • Added detailed and actionable error messages if an error occurred during registration
  • Customers on Growth or Custom plans will automatically be enabled for access to Charles Schwab; customers on Pay-as-you-go plans will still need to explicitly request Schwab access
• Added the ability to export the list of team members to CSV.
• Added the ability for customers with Premium Platform Support Packages to self-serve enable SCIM in the Dashboard without contacting Plaid Support or their Account Manager.
• Removed Data Quality related Known Issues the Dashboard, as these issues were often described in vague terms, causing customers to think they were encountering a known issue when they were not. Removing these from the Known Issues section of the Dashboard helps Plaid more accurately identify data quality issues and reduces customer confusion caused by following the wrong Known Issue. Connectivity-related Known Issues are still reported in the Dashboard.
• When users attempt a Dashboard action they don't have permissions for, they will now be shown a list of admins whom they can contact to request permission.

For Plaid Link:

• Released React Native Plaid Link SDK 12.2.1, with bug fix for the error message "PLKEnvironmentDevelopment not defined".
• Released Plaid iOS SDK 6.3, with new event names and a new event metadata field, enhancements for the SwiftUI API, and improved FinanceKit testing capabilities. For more details, see the release notes.

For Plaid Check Consumer Reports:

• Added support for Verification of Assets and Employment Refresh for mortgage lenders via /cra/check_report/verification/get. This feature is in Early Availability; contact Sales or your Account Manager to learn more.
• Improved the accuracy of insufficient funds (NSF) transaction calculations, leading to fewer transactions being reported under the nsf_overdraft_transactions_count fields.
• For Income Insights, improved the accuracy of income categorization, forecasted income, and historical income.
• Added institution details (institution_name and institution_id) to /cra/monitoring_insights/get response.
• Added require_identity boolean to options object in /cra/check_report/create and /link/token/create requests. If set to true and user identity data is not available, CRA report creation will fail, and you will not be charged.
• Updated and made consistent maximum values days_required and days_requested when generating a CRA report across multiple endpoints. The maximum value for days_requested is now 731 and the maximum value for days_required is 184.
• For Partner Insights, added client_report_id to partner insights response.

For Investments:

• Improvements and bug fixes to holdings valuations, such as better reflecting the value of unvested shares.

For Payment Initiation:

• Added error field to responses of /payment_initiation/payment/get and /payment_initiation/consent/payment/execute containing error details when the payment fails.
• Added support for cursors to /payment_initiation/recipient/list.
• Added error field to WALLET_TRANSACTION_STATUS_UPDATE webhook and to responses of /wallet/transaction/get and /wallet/transaction/list.

For Transactions:

• Added /sandbox/transactions/create endpoint, which can be used to add custom transactions to the user_transactions_dynamic Sandbox test user.
• Added the user_ewa_user, user_yuppie, and user_small_business Sandbox test users for persona-based testing of realistic Transactions data.
• Added account_numbers field to counterparty object.

For Transfer:

• Added wire_return_fee to transfer and transfer event objects.

• Released Plaid Protect, Plaid's new anti-fraud solution.
• Released Premium Link Analytics, a new Dashboard feature with advanced analytics insights on Link usage and conversion. Premium Link Analytics is available at no extra charge to all customers with Premium Support Packages. To learn more about upgrading to a Premium Support Package, contact your Account Manager.
• Launched Plaid's AI Toolkit, including the Dashboard MCP Server, Sandbox MCP Server, LLM-friendly documentation, and vibe coding guides. For more details, see the Resources page.
• Released version 5.1.1 of the Plaid Android Link SDK and version 6.2.1 of the iOS Link SDK. These updates both contain the ability to detect usage of Plaid Link for Flutter, allowing Plaid to better troubleshoot integration issues by distinguishing between Flutter and non-Flutter usage.

For Link:

• Released version 5.1.0 of the Plaid Android Link SDK. Improvements include a bug fix for edge-to-edge layout overlap issue on Android 15+, 20% smaller SDK size, and removal of the org.bouncycastle:bcpkix-jdk15to18 dependency.
• Began rolling out a new pane added to the end of the Link flows for Assets and Bank Income, prompting end users to enroll in Plaid Passport for faster credit application flows in the future. This pane occurs after the end user has successfully completed Link and therefore has no impact on Link conversion. This pane will be released to all eligible customers by the end of August.

For Plaid Check Consumer Reports:

• Introduced a rate limit of 100 requests per minute for all Plaid Check endpoints.

For Transfer:

• Plaid Transfer now supports Instant Payments (pay-ins) via request-for-payment (RfP) on the RTP network.

• Announced the availability of the Plaid Dashboard MCP server. This service allows you to access Dashboard-based services such as Link analytics data, API usage, and the Item debugger via an LLM agent. More tools and the ability to use additional platforms will be added soon.
• Released Plaid Link iOS SDK 6.2.0. This version features a 33% smaller package size, a showGradientBackground option for customizing Link appearance, and a new onLoad callback from Plaid.create to help detect when Plaid is ready to present.

For Auth:

• Released Account Verification Analytics, Dashboard-based reports of Auth and Identity Match activity showing usage levels and conversion metrics by Auth method.

For Plaid Check Consumer Reports:

• For /cra/check_report/base_report/get, deprecated report.items.accounts.account_insights in favor of the attributes field, which aggregates insights across accounts.
• Announced the availability of a new model version (v4) for their scores that are provided in Partner Insights. Starting on June 2, 2025, customers using Partner Insights can choose to use the latest version when calculating the scores by specifying it in the prism_versions object when calling /cra/check_report/partner_insights/get. If no version is specified, Plaid will default to the current version (v3) available now. Starting in November 2025, customers will be required to specify a prism_version when calling Partner Insights endpoints.

For Transfer:

• Added automatic Sandbox simulations, allowing you to create test transactions in Sandbox that will automatically move through the transfer lifecycle, without requiring you to manually progress them to the next state.

For Enrich:

• Removed the legacy category_id and category fields for all customers enabled for the Transactions product on or after May 5, 2025. Customers should use the personal_finance_category field instead.

For Transactions:

• Removed the legacy category_id and category fields for all customers enabled for the Transactions product on or after May 5, 2025. Customers should use the personal_finance_category field instead.

For Auth:

• Announced PNC's new TAN expiration policy. All PNC Items with TANs will require the user to have authorized or re-authorized consent within the past 12 months. If the user has not done so, the TAN will stop working and the Item will enter an ITEM_LOGIN_REQUIRED state. For more details, see PNC TAN expiration.

For Layer:

• Added android_package_name to /session/token/create.

For Plaid Check Consumer Reports:

• Updated average_inflow_amount field to be positive.

For Transfer:

• Announced PNC's new TAN expiration policy. All PNC Items with TANs will require the user to have authorized or re-authorized consent within the past 12 months. If the user has not done so, the TAN will stop working and the Item will enter an ITEM_LOGIN_REQUIRED state. For more details, see PNC TAN expiration.

• Announced new INSTITUTION_RATE_LIMIT error and behavior for when an institution is experiencing excessive API traffic to realtime endpoints. This error will be rolled out to all customers by the end of May 2025.

For Transfer:

• Added expected_funds_available_date to the Transfer object.

• Released a new migrations page on the Dashboard, showing all institutions with planned or ongoing migrations to OAuth. Drilling in to each institution, you can now view the migration timeline and impact to existing Items.
• Added support for Austria and Finland. For details of supported institutions and products, see European bank coverage.
• Added USER_PERMISSION_REVOKED webhook support for American Express.

For Layer:

• Added the ability to configure Layer sessions in the Dashboard.
• In /session/token/create, moved the user_id field into the user object.
• Released React Native SDK 12.1.1, with a new destroy() method to support Layer.

For Link:

• Released React Native SDK 12.1.1, with a new destroy() method to support Plaid Layer.
• Released React SDK 4.0.1, with support for React 19.
• Webview-based integration modes are no longer allowed for new customers. All new customers using mobile webview-based apps should use the Hosted Link integration mode if they can't use Plaid's SDKs. Existing customers using webview integration modes are not currently impacted.
• Announced a combined phone number and consent pane for the returning user experience, to be rolled out to all customers in May. This change increases conversion by reducing the number of screens the end user has to complete. It does not require any integration work on your part to adopt. Both the CONSENT and SUBMIT_PHONE TRANSITION_VIEW Link analytics events will fire when this screen is reached.

For Plaid Check Consumer Reports:

• Expanded support for Silent Network Authentication (SNA), a secure, lower friction way to verify a user’s phone number using their mobile network carrier. Once eligible users submit their phone number, they will see a loading pane in Link in lieu of the OTP pane. If SNA cannot verify a user’s phone number, then it will fall back to OTP for verification. SNA is available for Plaid Check Consumer Reports on both iOS and Android and is compatible with T-Mobile, Verizon, and AT&T. SNA will be rolled out to all eligible Consumer Report sessions by the end of May. No work is required on your part to support SNA. SNA is supported on Android SDK versions >=5.6.0 and iOS SDK versions >=4.7.9. To get the latest performance improvements for SNA, it is strongly recommended that all Plaid Check customers using Plaid's mobile SDKs upgrade to iOS SDK >=6.0.1 (or React Native iOS >=12.0.2).
• Date of birth is now required within the consumer report user identity object for /user/create and /user/update.
• Added warnings to responses for /cra/check_report/income_insights/get, /cra/check_report/network_insights/get and /cra/check_report/partner_insights/get. warnings is populated when Plaid successfully generated a report, but encountered an error when extracting data from one or more Items.
• A user's phone number can now be pre-filled in Link using data from the consumer_report_user_identity object if the phone number is not pre-filled via /link/token/create.
• A new toggle on the last pane of the Link flow enables users to opt-in to a faster way to share their consumer reports in the future.
• Updated the list of Cash flow updates webhooks (beta).

For Signal:

• Added triggered_rule_details to /signal/evaluate response.

For Transactions:

• Updated the response schema for /processor/transactions/sync endpoint to allow null account objects. This change only impacts Transactions processor partners.

For Identity Verification:

• Announced the rollout of Age Estimation and Biometric Deduplication features. On May 1, 2025, Plaid will backfill historical ID document and liveness data and enable these features for all customers using IDV templates with ID document and/or liveness enabled, free of charge. Any Plaid customer who wants to opt out of this functionality should contact their Account Manager.

• Added a "copy link" button to the Team switcher page in the Dashboard, allowing Dashboard users to access a persistent link to their team.

For Assets:

• To minimize data access, Assets no longer requests the Investments data scope by default. To use the Investments add-on, investments must now be specified in the optional_products array when initializing Link.

For Layer:

• Added the LAYER_AUTHENTICATION_PASSED webhook.

For Investments:

• Added Vanguard access via OAuth. Access to Vanguard is no longer restricted during peak market hours.

For Plaid Check Consumer Reports:

• Broke up the existing DATA_UNAVAILABLE error into more specific error codes when possible, introducing the new codes INSTITUTION_TRANSACTION_HISTORY_NOT_SUPPORTED, INSUFFICIENT_TRANSACTION_DATA, and DATA_QUALITY_CHECK_FAILED. Also replaced INVALID_FIELD with NETWORK_CONSENT_REQUIRED for the use case where the end user has not given consent to share network data. For details on these new codes, as well as improved documentation of existing codes, see Check Report Errors.
• Improved the sensitivity of the CHECK_REPORT_FAILED webhook at alerting to partial failures. Previously, certain types of partial Check Report failures would not trigger the webhook.
• Added successful_products and failed_products arrays to the CHECK_REPORT_READY webhook to provide more granular detail on partial Check Report failures.
• Plaid can now pre-fill a user’s phone number in Link using information from the consumer_report_user_identity object if the phone number is not pre-filled via /link/token/create. Pre-filling phone numbers can help boost conversion while reducing steps for users. Support for this feature is currently available in Production and will be added in Sandbox in the coming months.
• Increased the speed of report generation by approximately 25%.
• By the end of March, to improve security, Plaid will send all end users who complete the Plaid Check Link flow flow a confirmation email, similar to the change to Plaid Link announced in the January 30 changelog entry.

For Signal:

• Added realtime backtesting support to the Signal Dashboard.
• Added a view-only permission to the Signal Dashboard.

• Released split billing: For certain products, customers on a single client ID can now split their API usage across cost centers via API headers. To learn more, contact your Plaid Account Manager or see Setting cost centers.
• SAML is now available as a method of user access management for the Dashboard to customers on Plus or Premium Support packages.

For Link:

• Released iOS SDK 6.1.0, with improvements to Remember Me Silent Network Authentication.
• Released React Native SDK 12.0.3, which updates to iOS SDK 6.1.0.

For Auth and Transfer:

• Announced the impending migration of US Bank to tokenized account numbers (TANs), scheduled to occur May 2025.

For Identity:

• Added support for API-based detection of pass / fail results from Identity Match sessions when Identity Match rules are configured via the Dashboard via the IDENTITY_MATCH_PASSED and IDENTITY_MATCH_FAILED Link events.

For Layer:

• Publicly documented /session/token/create as the preferred endpoint for creating a Layer session, rather than /link/token/create, and added redirect_uri support to /session/token/create.

For Plaid Check Consumer Reports:

• Added support for client_report_id to Income Insights Reports. Moved client_report_id field to the top-level /cra/check_report/create request, rather than being inside the base_report request object, to reflect that the client_report_id is no longer Base Report-specific. Usage of the client_report_id within the base_report object is deprecated.
• Changed the score field from a float to an integer in the API spec, to reflect that it will always be an integer.

For Statements:

• Added posted_date field to /statements/list response.

For Auth:

• Added the ability to configure micro-deposit and database verification-based Auth flows via the Dashboard.
• Marked Database Match and Database Insights (beta) as deprecated in favor of the new Database Auth feature, which provides functionality similar to Database Insights. These features are still available, but customers should plan to migrate to Database Auth when possible.

For Identity:

• Added the ability to configure Identity Match rules via the Dashboard when using Identity and Auth as the only products.

For Plaid Check Consumer Report:

• Updated behavior when calling /cra/check_report/create to improve consistency. Previously, no reports would be eagerly generated upon calling this endpoint. Now, the base report will always be eagerly generated, along with products specified in the products array.

• When calling /link/token/create, it is now possible to include Plaid Check products within the optional_products, required_if_supported_products, or additional_consented_products request fields when Plaid Inc. products are included in the products field, or vice-versa.

• Identity data is now provided in the Base Report only. Plaid will no longer return identity data in the Income and Partner Insights products, and the fields will be removed from API responses by June 30, 2025.

• Removed the Cashflow Updates INSIGHTS_UPDATED reason code. Instead, a separate webhook will be fired for each reason.

• The score field in /cra/check_report/partner_insights/get is now nullable.

For Transfer:

• Added intent_id to the transfer event object returned by /transfer/event/sync, for transfers created via Transfer UI. This will currently only be populated for RfP transfers.

For Link:

• Released React Native SDK 12.0.3, which contains LinkKit 6.0.4, which fixes an issue where some sessions experienced delays in receiving the LAYER_READY event or did not receive it at all, and fixes an issue with XCFramework.

For Auth:

• Improved Sandbox behavior to better reflect institutions that use Tokenized Account Numbers (TANs). In Sandbox, Chase and PNC will now return is_tokenized_account_number: true and have populated persistent_account_id fields.

For Plaid Check Consumer Report:

• consumer_report_user_identity.date_of_birth is now a required field when creating or updating a user token with a consumer_report_identity field.
• Completed the renaming of several fields. The longest_gap_between_transactions, average_inflow_amount, and average_outflow_amount fields have been removed and replaced with pluralized versions longest_gaps_between_transactions, average_inflow_amounts, and average_outflow_amounts fields to better reflect the fact that they are arrays.

For Signal:

• Announced a behavior change for Items that were manually linked (e.g. using Same Day Micro-deposits or Database Insights). Beginning February 18, any Item that was manually linked but could not be given a Signal score and attributes by /signal/evaluate will no longer return a PRODUCT_NOT_SUPPORTED error. Instead, the /signal/evaluate call will succeed. This change allows customers to evaluate these Items using Signal Rules that do not require a Signal score and attributes. Billing will only be triggered for the /signal/evaluate call if either a score is returned or a Signal Rule is evaluated.

For Virtual Accounts:

• Added originating_fund_source to /wallet/transaction/execute request. This field is required by local regulation for certain use cases (e.g. money remittance) to send payouts to recipients in the EU and UK.

For Link:

• Released iOS SDK 6.0.4, which fixes an issue where some sessions experienced delays in receiving the LAYER_READY event or did not receive it at all, and fixes an issue with XCFramework.

Notified all customers that they must sign an addendum to their agreement with Plaid to retain PNC data access after February 28th, 2025. If you do not know how to sign this addendum, or are not sure if you have signed it, contact your Plaid Account Manager or Plaid Support.

For Link:

• Released React Native SDK 12.0.1, which includes iOS SDK 6.0.2 and resolves issues where the SDK was not working with React Native 0.76 or later.
• Released React Native SDK 12.0.2, which results an issue where the USE_FRAMEWORKS preprocessor check was failing for projects using use_frameworks! :linkage => :static.
• To improve anti-fraud measures, began more broadly sending email confirmations to end users when they have linked an account to Plaid, allowing them to report unrecognized Link activity. Previously, Plaid would send these notifications only if the session was flagged as elevated risk.

For Payment Initiation (UK/EU):

• Added the end_to_end_id field to the payment object, providing a unique identifier for tracking and reconciliation purposes.

For Transfer:

• For /transfer/capabilities/get, added an institution_supported_networks.rfp.debit field to indicate an institution's support for debit request for payment (RfP).
• Added funds_available sweep status and event type.

SSO is now available, at no additional charge, to all customers except those on Pay-as-you-go plans. You can enable SSO via the Dashboard > Team Settings > SSO.

For Link:

• Released iOS SDK 6.0.1, with enhanced support for Silent Network Authentication in the Remember Me flow.
• Released iOS SDK 6.0.2, with small improvements to the UI of the Remember Me flow.
• Improved the UI for failed connection attempts at OAuth institutions to increase conversion. Rather than "Exit," the primary CTA on the Link error screen for this scenario is now a "Try Again" button that will directly re-start the institution's OAuth flow.
• Added phone number recycling detection to Link. The returning user experience will delete a user's Returning User profile if it detects that the phone number has been reassigned to a different customer since the user's last login, reducing the risk of fraud and account takeover.

For Plaid Check:

• Added nsf_overdraft_transactions_count_30d/60d/90d fields to attributes field of /cra/check_report/base_report/get.

For Payment Initiation:

• Added /sandbox/payment/simulate endpoint to improve ease of testing in Sandbox.

For Signal:

• Signal Rules now supports creating rules based on the results of a Database Insights check.

For Transfer:

• Added Transfer Rules, allowing you to customize the logic used by the Transfer Risk Engine during the /transfer/authorization/create call. You can configure your Transfer Rules via the Dashboard.
• To better represent errors from a variety of payments rails beyond just ACH, added failure_code and description fields to /transfer/sweep/get and transfer/sweep/list endpoints. Developers should use these instead of of the ach_return_code field.

For Link:

• For institutions such as PNC, Chase, and Charles Schwab that previously invalidated Items when a duplicate Item was added, prevented the old Item from becoming invalidated unless either Item is initialized with a Plaid Check product or the two Items have different sets of accounts associated. This is a delayed announcement of a change made in April 2024.
• Released React Native SDK 12.0.0. This incorporates iOS SDK 6.0.0 and Android SDK 5.0.0. Major updates include adding support for FinanceKit and AppleCard on iOS, removing the deprecated PlaidLink component and openLink function, and updating a number of Android libraries. For a full list of all changes in this release, see the Release notes.

For Link:

• Released Android SDK 5.0.0, containing numerous library and platform updates, including upgrading Kotlin to 1.9.25, and upgrading the compile version to SDK 35. This SDK version also adds the AUTO_SUBMIT event name and INVALID_UPDATE_USERNAME Item error, removing the PROFILE_ELIGIBILITY_CHECK_ERROR event name. For a full list of all libraries updated in this SDK release, see the Release notes.

For Auth:

• PNC now supports the USER_ACCOUNT_REVOKED and USER_PERMISSION_REVOKED webhooks, allowing you to reduce return risk. Upon receiving either of these webhooks, Auth customers should no longer make ACH transfers using the tokenized account numbers of the associated Items.

For Transactions:

• For the /transactions/sync endpoint, added the ability to use an account_id filter.

For Plaid Check:

• Began the rollout of Plaid Passport, an update to the Plaid Check bank linking flow. Plaid Passport is an extension of the returning user experience specific to Plaid Check, and will enable conversion efficiencies across all financial institutions, improved Item health, and enhanced user-centric insights. You do not need to take any action to enable Plaid Passport.

For Link:

• Released React Native SDK 11.13.3, fixing a regression introduced in version 11.13.1 that caused build failures for some customers.
• Completed the rollout of Passkey support for the returning user experience in Link to all eligible sessions. Passkey support increases security and provides a more streamlined experience for returning users. With Passkeys, end users on iOS devices who have previously logged in to a financial account through Link can opt in to using Face ID or Touch ID to authenticate to this account for subsequent Link sessions. To enable Passkey support, ensure you are using the Plaid iOS SDK 4.3.0 or later or the Plaid React Native SDK 10.2.0 or later. You do not need to take any other action to enable Passkey support.

• Added institution_name to the Item object schema. You no longer have to call /institutions/get_by_id to translate the institution data in an Item to human-readable format.
• For /sandbox/item/fire_webhook, added support for USER_PERMISSION_REVOKED and USER_ACCOUNT_REVOKED webhooks.

For Link:

• Increased the rollout of Passkey support for the returning user experience in Link. Passkey support increases security and provides a more streamlined experience for returning users. With Passkeys, end users on iOS devices who have previously logged in to a financial account through Link can opt in to using Face ID or Touch ID to authenticate to this account for subsequent Link sessions. Passkey support will be rolled out to all eligible sessions by the end of the year. To enable Passkey support, ensure you are using the Plaid iOS SDK 4.3.0 or later or the Plaid React Native SDK 10.2.0 or later. You do not need to take any other action to enable Passkey support.
• Added biometric authentication support for Citibank on Android (biometric authentication support for Citibank on iOS was added in June 2024). No SDK update is required.
• Released Plaid Link for React Native SDK 11.13.2, updating Android Compile Version from 31 to 34.

For Auth:

• Added is_tokenized_account_number field to /auth/get to indicate whether an account number is tokenized. Tokenized account numbers may require special business logic to avoid ACH returns. For more details, see Tokenized account numbers.
• Added support for cash management account subtypes, rather than just checking and savings.
• Added auth_method enum to the Item object schema to indicate which verification method (e.g. Instant Auth, Same-Day Micro-deposits, Database Match...) was used to verify the Item.
• Added SAME_DAY_MICRODEPOSIT_AUTHORIZED and INSTANT_MICRODEPOSIT_AUTHORIZED transition view names to Link.

For Plaid Check Consumer Reports:

• Added the /sandbox/cra/cashflow_updates/update endpoint to facilitate testing.
• Enhanced the model used for estimating gross income from net income, resulting in ~10% greater accuracy.
• Users with the Team Management permission can now download a copy of their submitted Plaid Check application form from the Dashboard under Settings > Compliance Center > Company Documents.

For Identity Verification:

• At the start of the Selfie Check flow, added a warning to users if insufficient ambient light is detected, prompting them to fix their lighting conditions before proceeding.

For Investments:

• For the security object, added the fixed_income object with the following details: yield_rate, maturity_date, issue_date, and face_value fields, to provide additional details on bonds and other fixed income securities.
• Added processor partner support for Investments with the new /processor/investments/transactions/get and /processor/investments/holdings/get endpoints.

For Transfer:

• Added support for cash management account subtypes, rather than just checking and savings.
• Added auth_method enum to the Item object schema to indicate which verification method (e.g. Instant Auth, Same-Day Micro-deposits, Database Match...) was used to verify the Item.
• Added SAME_DAY_MICRODEPOSIT_AUTHORIZED and INSTANT_MICRODEPOSIT_AUTHORIZED transition view names to Link.
• Added webhook field to requests for /sandbox/transfer/simulate, /sandbox/transfer/refund/simulate, /sandbox/transfer/ledger/simulate_available and /sandbox/transfer/sweep/simulate.
• Added funds_available support for /sandbox/transfer/simulate.

• Released /consent/events/get to help customers obtain consent logs for auditing purposes.
• Added consent related-details to the item object in /item/get, including consented_data_scopes, consented_use_cases, and consent_expiration_time, to help customers manage consent records and consent expiration.

For Link:

• Released Plaid Link for iOS SDK 6.0.0, introducing FinanceKit and support for Apple Card integration.
• Released Plaid Link for React Native SDK 11.13.1, fixing a compiler error when using the New Architecture with Expo.

For Assets:

• Added a hard limit of 15,000 transactions per Asset Report, to avoid returning truncated Asset Reports. An Asset Report with more than 15,000 transactions will now trigger the error ASSET_REPORT_GENERATION_FAILED with an error message "asset report is too large to be generated, try again with a shorter date range".

For Link:

• Released Plaid Link for React SDK 3.6.1, fixing an issue that can occur when unmounting the usePlaidLink hook before the underlying script tag is loaded.
• Customers can now self-enable for Hosted Link without contacting their Account Manager. To enable Hosted Link, provide a hosted_link object in the /link/token/create call. The object can be empty or can include configuration parameters for Hosted Link. This change does not apply to Link Delivery, which still requires Account Manager enablement.

For Link:

• Added support for Vietnamese and Hindi.
• Added AUTO_SUBMIT_PHONE event to capture scenarios where the user's phone number is supplied in the /link/token/create call and the user has previously enrolled in the returning user experience, allowing Plaid to send an OTP code without prompting.
• Improved conversion through improved error messaging for incorrect username / password at non-OAuth institutions. Previously, users would be taken to an error pane and required to press the back button to retry their credentials; the new UI provides inline error messages if the user's credentials are incorrect.
• Fixed bug in which users could enter an error state by clicking a button while the in-progress spinner was active on a different button.
• Minor improvements to consistency in font weight and styling.

For Consumer Report by Plaid Check:

• For the endpoint /cra/check_report/base_report/get, added the total_inflow_amount and total_outflow_amount objects, with corresponding objects total_inflow_amount_30d, total_inflow_amount_60d, total_inflow_amount_90d, total_outflow_amount_30d, total_outflow_amount_60d, and total_outflow_amount_90d, to summarize inflows and outflows.
• For Partner Insights Reports, deprecated the version field (which used type number) and replaced it with the model_version field (which uses type string), to better support the not-strictly-numerical versioning scheme used by Prism.

For Identity Verification:

• For the response bodies of the endpoints /identity_verification/create, /identity_verification/get, /identity_verification/list, and /identity_verification/retry, added the verify_sms object. This object contains details about SMS verification attempts, with sub-fields such as status, attempt, phone_number, delivery_attempt_count, solve_attempt_count, initially_sent_at, last_sent_at, and redacted_at.
• Restored the "Integration" button to the Dashboard. It can now be found next to the "Publish Changes" button in the upper right of the Template Editor.

For Payment Initiation:

• For /payment_initiation/consent/create, added payer_details object. The fields options.bacs and options.iban have been deprecated in favor of payer_details.numbers.bacs and payer_details.numbers.iban; customers are encouraged to migrate to the new fields.

For Signal:

• Made the scores field nullable in the responses for /signal/evaluate and /processor/signal/evaluate, as a pre-requisite for adding future Signal support to Items where a score cannot be calculated, such as Items added via Database Insights or Same-Day Micro-deposits.
• Changed Signal billing to behave similarly to Auth and Identity if it is specified in the optional_products array -- customers will not be billed for Signal if it is specified in optional_products until /signal/evaluate is called.

• Fully removed legacy returning user flows (Institution Boosting, Pre-Matched RUX, and Pre-Authenticated RUX) in favor of the new returning user experience.
• Removed legacy returning user flow errors, INVALID_PRODUCTS and PRODUCT_UNAVAILABLE.

• For the PENDING_DISCONNECT webhook, added INSTITUTION_TOKEN_EXPIRATION as a reason code. This reason will be used if the user's access-consent on an OAuth token is about to expire. This webhook code will only be used for Items associated with institutions in the US and Canada; for Items in the UK and EU, Plaid will continue to send the PENDING_EXPIRATION webhook instead of the PENDING_DISCONNECT webhook in the event of pending OAuth access expiration.

For Plaid Check Consumer Reports:

• Reverted the change to historical balance data from the October 11 update. Updated the documentation to clarify the behavior and reduce customer confusion.
• Added attributes object with fields nsf_overdraft_transactions_count, is_primary_account, and primary_account_score to Base Report object, to help identify primary accounts and overdraft transactions.

For Payment Initiation:

• For the /payment_initiation/consent/* endpoints, deprecated the scopes field in favor of the type field, with possible values SWEEPING or COMMERCIAL. The scopes field will still be honored if used, but customers are encouraged to use the new type field instead, and the scopes field will be removed in the future.

For Plaid Check Consumer Reports:

• For /user/create, added the fields last_4_ssn and date_of_birth to the consumer_report_user_identity object. All user tokens created after January 31, 2025 must have a date_of_birth populated in order to be compatible with Plaid Check Consumer Reports.
• Changed the behavior of returning historical balances. Previously, Consumer Reports would always return at least 90 days of historical balance information. This caused user confusion in the case of new accounts opened less than 90 days ago, since Consumer Report would report a historical balance on the account for dates when the account did not yet exist. Now, Consumer Reports will only return historical balances up to the date of the oldest transaction found in a given account.
• Released Cash Flow Updates and Network Insights to beta. For details, see Plaid Check.

For Identity Verification:

Introduced several updates to Identity Verification. These changes are being gradually rolled out to customers. To request to be opted in to these changes early, or to delay receiving these changes, contact your Plaid Account Manager.

• Introduced Trust Index, a numerical scoring system rating the user on a scale of 1 to 100, with 11 sub-scores on different dimensions (e.g. email, phone, liveness), to help you understand users' relative risk across various dimensions and how different factors contribute to that risk.
• An overhauled session view that helps you digest a full user's verification without scrolling.

For Income:

• Fixed an issue in which customers could successfully call /link/token/create for Income without specifying a user_token. The user_token field is required when using Income.

• Began the automatic enrollment of some customers into Data Transparency Messaging (DTM). Throughout Q4, customers serving end users in the US and Canada will be enrolled in DTM automatically if they have not already enrolled.
• Announced the elimination of public key support, effective January 31, 2025. Beginning in February 2025, it will no longer be possible to launch Link sessions using a public key. This impacts only a small number of customers, as the Plaid public key has been deprecated since the introduction of Link tokens in mid-2020, and no teams created after July 2020 have been issued public keys. All customers who are still using public keys were notified of this change via email in September. For instructions on migration from public keys to Link tokens, see the Link token migration guide.
• Announced the full removal of legacy returning user flows (Institution Boosting, Pre-Matched RUX, and Pre-Authenticated RUX) in favor of the new returning user experience, to be completed by October 28, 2024.
• Eligible customers (those with support packages) can enroll in SSO via the Dashboard. If you would like to use SSO and do not have a support package, contact your Plaid account manager.
• To reduce developer confusion, updated the /link/token/get endpoint to return the various results arrays and objects (item_add_results, payroll_income_results, document_income_results, bank_income_results, cra_item_add_results) as empty arrays (if arrays) or as null (if objects) when not present, rather than being omitted from the schema.

For Link:

• Improved the user experience for Remember Me verification on eligible Android devices by automatically filling in the OTP code received on the device.

For Auth:

• PNC now returns Tokenized Account Numbers (TANs) with behavior similar to Chase.

For Balance:

• Discontinued the Balance Plus beta program. Balance Plus beta will no longer accept new enrollments; customers currently in the beta program have been contacted directly with more details and next steps.

For Plaid Check Consumer Report:

• Released the Plaid Check Third-Party User Token to beta, allowing customers to partner with select lenders to provide their customers access to credit. If you are interested in this feature, contact sales or your Plaid Account Manager.

• Integrated Plaid Check Consumer Reports with Layer to enable users to share cash flow insights alongside identity and bank data instantly, dramatically streamlining the loan application process. Users consent to share their consumer report in the final Layer pane. If you are interested in this feature, contact sales or your Plaid Account Manager.

• Updated the /cra/check_report/base_report/get endpoint transaction history behavior for new customers. If no value is specified for the days_requested field, Plaid will default to requesting 365 days, and if a value under 180 is specified, Plaid will request 180 days. This change increases the quality of transaction history insights, as the more transaction history is requested, the more accurate the insights returned will be. This change impacts only customers obtaining Plaid Consumer Report Production access on or after October 1, 2024; the behavior for existing customers will not change.

• In the /cra/check_report/base_report/get response warnings array, added a new possible warning code, USER_FRAUD_ALERT, which indicates that the user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud.

• For the /cra/check_report/partner_insights/get endpoint, added an error_reason to the response to surface Prism error codes.

For Identity:

• Released Identity Document Upload to beta. Identity Document Upload provides document-based account ownership identity verification for Items that do not support /identity/get or /identity/match, including Items connected via Same-Day Micro-deposits or Database Insights.

For Identity Verification:

• Redesigned the fraud labeling system UI to allow 1-click fraud reports from the Dashboard.
• Fixed ordering of Link events callbacks when Hide Verification Outcome is enabled so that IDENTITY_VERIFICATION_CLOSE_UI fires and onSuccess is called after the event corresponding with the outcome of the session has fired.

For Layer:

• Integrated Plaid Check Consumer Reports with Layer to enable users to share cash flow insights alongside identity and bank data instantly, dramatically streamlining the loan application process. Users consent to share their consumer report in the final Layer pane. If you are interested in this feature, contact sales or your Plaid Account Manager.

For Payment Initiation:

• For /payment_initiation/consent/payment/execute endpoint, added the optional processing_mode parameter. This allows you to opt in to async payment execution processing, allowing for better performance and throughput when realtime payment processing results are not necessary, such as in user-not-present flows.

For Transfer:

• Improved /transfer/authorization/create to consider more information about accounts, such as whether the account has previously returned codes R02 (account closed) or R16 (account frozen) when used with Plaid.

• Released Link Recovery to beta. With Link Recovery, your end users can sign up to be automatically notified by Plaid when an institution outage that prevented them from linking an account has been resolved. When the issue is over, Plaid will send users a link that can be used to connect their account to your app.

• Released Investments Move to Early Availability. Investments Move facilitates ACATS and ATON brokerage transfers by providing user-permissioned data including a user's account number, account information, and detailed holdings information. Investments Move can remove friction for end users in changing brokerages and reduce the frequency of transfer failures caused by data entry errors.

• Improved retry logic for missed webhooks. If a webhook sent by Plaid is not accepted by the webhook receiver endpoint with a 200 status within 10 seconds of being sent, Plaid will now retry up to six times over a 24-hour period, using an exponential backoff algorithm, rather than the previous behavior of retrying up to twice, a few minutes apart.

• Added a new PENDING_DISCONNECT Item webhook to alert customers of Items that are about to enter an unhealthy state. Unlike the existing PENDING_EXPIRATION webhook, PENDING_DISCONNECT covers Items that will break due to reasons other than consent expiration, such as a planned sunset by the bank of an old online banking platform, or a required migration to OAuth. Upon receiving a PENDING_DISCONNECT webhook, customers should direct the end user to the update mode flow for the Item.

• Added the ability to use update mode to reauthorize consent for a US or CA Item whose consent is expiring due to 1033 rules. If the consent expiration date is within 6 months, Plaid will automatically route the Item through the longer reauthorization update mode flow, which will cause the expiration date to be pushed to 12 months from the date that the user reauthorizes the Item. You can customize whether or not the Item goes through the reauthorization update flow by using the update.reauthorization_enabled parameter in /link/token/create. Note that there is no reason to send Items through the reauthorization flow at this time, as Items will not be assigned consent expiration dates until approximately December 2024. This change only impacts Items in the US and Canada; the OAuth update flow for Items in the UK and EU has not changed.

• To help manage consent status for the upcoming wider Data Transparency Messaging rollout, added consented_use_cases, consented_data_scopes, and created_at fields to the Item object.

• Removed deposit_switch from the products array, as part of Deposit Switch deprecation.

For Link flow:

• Shortened and clarified text shown to end user during prompt to verify 2FA code.
• Added hover animations to UI buttons in Link.

For Plaid Link SDKs:

• Released iOS SDK 5.6.1, which adds adds haptics support, fixes embedded search view dynamic resizing, and adds missing event names and view names. For details, see the iOS SDK changelog.
• Released Android SDK 5.6.1, which adds missing event names and view names. For details, see the Android SDK changelog.
• Released React Native SDK 11.13.0, which incorporates iOS SDK 5.6.1 and Android SDK 4.6.1. For details, see the React Native SDK changelog.

For Assets:

• Added /asset_report/create request parameter options.require_all_items, with a default value of true. By setting this to false, customers can optionally choose to generate an Asset Report even if one or more Items in the Asset Report encounters an error, as long as at least one Item succeeded. Otherwise, the endpoint will maintain its current behavior of only creating an Asset Report if all Items could be successfully retrieved.

For Consumer Report:

• Fixed confusing pluralization by renaming longest_gap_between_transactions to use gaps rather than gap as this field is array of gaps rather than a single gap. The old version of this field is deprecated and will be removed at the end of October.
• Removed the products field from the /cra/check_report/create request, as its usage there is deprecated.

For Identity Verification:

• Added liveness_check results to /identity_verification/get to improve parity between API and Dashboard data availability.
• Added name object to the extracted_data within each documentary_verification.documents object in the response of all of the Identity Verification endpoints.
• Design updates to the Identity Verification Dashboard.

For Investments:

• Added sector and industry fields to the securities object to help categorize holdings.

For Transfer:

• Updated /transfer/get to accept either a transfer_id or a transfer_authorization_id.
• In /transfer/ledger/distribute request, replaced from_client_id and to_client_id with from_ledger_id and to_ledger_id.

• Added Multi-Item Link, which allows end users to link multiple financial accounts in a single Link session.
• Added the error_code_reason field to the Plaid error object to provide more useful troubleshooting details for ITEM_LOGIN_REQUIRED errors at OAuth institutions. This field is currently in beta and may not be present for all customers.
• Added the ability to launch update mode with a user token and augmented /link/token/create with an update.item_ids field to optionally specify which Item ID(s) to update when launching Link in update mode with a user token. Launching update mode with a user token is the only supported update mode flow for Consumer Report. For products that use both access tokens and user tokens, like Income, update mode can be launched using either one.

For Plaid Link SDKs:

• Released an alternative installation repo to reduce download sizes for projects using Swift Package Manager. For details, see the iOS SDK changelog.
• Released Android SDK 4.6.0, with dependency updates and improved Java compatibility. For more details, see the Android SDK changelog.
• Released React Native 11.2.1, with enhanced support for React Native New Architecture, and including upgrades to Android SDK 4.6.0 and iOS SDK 5.6.1. For more details, see the React Native SDK changelog.

For Plaid Link:

• The password input boxes in Link now allow the user to optionally reveal the password before submitting their credentials, in order to help reduce typos in password data entry.

For Beacon (beta):

• Added data breach reporting.

For Plaid Check Consumer Reports:

• Added a consumer_disputes field to the response for /cra/check_report/base_report/get, showing the details of any disputes the consumer has submitted about the information in the report.

For Identity Verification:

• Added is_shareable parameter to /identity_verification/retry to allow configuring different retry behavior for the original session and retry sessions. If set, this parameter will control whether a shareable link is generated for the retry session. If not set, the retry session will use the same shareable link behavior as the original session.

For Income:

• Added file_type field to /credit/payroll_income/risk_signals/get.
• Added the ability to customize the ytd_amount field in the Sandbox custom user for /credit/payroll_income/get.

For Investments:

• Added Investments Refresh. Investments Refresh is available as an add-on to Investments and allows you to make a real-time, on-demand update request for fresh Investments data by calling the /investments/refresh endpoint.

For Liabilities:

• Plaid has discontinued support for federal student loan providers: Aidvantage, Central Research, Inc., EdFinancial Services - Federal Direct Loan Program (FDLP), Mohela and NelNet. Beginning in September, Liabilities subscriptions on Items from these institutions will no longer be billed, and end users will not be able to select these institutions in Link. Private student loan providers are not impacted. Impacted customers have been contacted directly by their Account Managers. For questions, contact your Plaid Account Manager.

For Transfer:

• Added support for multiple Ledgers. This improves the Plaid Transfer experience for customers who need to avoid co-mingling funds from different types of sources. As part of this change, several Transfer endpoints now have the optional ability to specify a ledger_id in the request and/or will return a ledger_id as part of the response. To request multiple Ledgers, contact your Plaid Account Manager.
• Improved the flow for authorizations that could not be evaluated due to the ITEM_LOGIN_REQUIRED error by enabling update mode for these authorizations, allowing them to be retried after the Item is fixed. Authorizations that previously would have had an approved decision and a rationale_code of ITEM_LOGIN_REQUIRED will now have the new user_action_required decision instead. If /transfer/authorization/create returns an user_action_required decision, you can now launch Link in update mode by creating a Link token with the authorization_id passed to /link/token/create. After the end user has completed the update mode flow, you can retry the /transfer/authorization/create call.
• For /transfer/metrics/get, added an authorization_usage response object allowing you to see your credit and debit utilization details.

For Virtual Accounts:

• Added the related_transactions array to the Wallet transaction object. This field makes it easier to identify associated transactions by showing the transaction ID of related transactions, as well as how they are related. For example, if a transaction is refunded, the original transaction and the refunded transaction will be linked via the related_transactions field.

• Added support for Silent Network Auth (SNA) for the Android returning user experience. SNA is a faster and more secure method to verify an end user's phone number. To use SNA, you must be using at least version 3.14.3 or later of the Android SDK (if using 3.x) or version 4.1.1 or later (if using the 4.x). On React Native, the corresponding minimum versions are 10.12.0 and 11.4.0. Aside from updating your SDK, no action is required to enable SNA.
• Added support for biometric authentication for Citibank for integrations using the iOS SDK version 5.1.0 or later.
• Released account holder category (beta), indicating whether an account returned in the account object is a business or personal account. To request access to this feature, contact your account manager.

For Plaid Link SDKs:

• Released Android SDK 4.6.0, containing bug fixes and compatibility improvements. For details, see the Android SDK changelog.

For Auth:

• Released AUTH: DEFAULT_UPDATE webhook to GA. This webhook fires if Plaid detects that a bank's Auth information has changed. (While rare, this can occur due to changes such as an acquisition.) To avoid ACH returns, after receiving this webhook, you should call /auth/get or /processor/auth/get to update your information on file for the user.

For Identity:

• In /identity/match, legal_name.is_business_name_detected is no longer deprecated and can now be used for detecting business names.

For Transfer:

• Added return_rates field to /transfer/metrics/get, allowing you to get return rate information via the API.

• Launched Plaid Layer to early availability. Layer provides a fast, high-converting onboarding experience powered by Plaid Link.
• Launched Plaid Check, a subsidiary of Plaid Inc. that is a Consumer Reporting Agency. Through Plaid Check's Consumer Report API, you can retrieve ready-made credit risk insights from consumer-permissioned cash flow data.
• Decommissioned the Development Environment. Development has been replaced for testing purposes by Limited Production. For more details, see Limited Production.

For Plaid Link SDKs:

• Released iOS SDK 5.6.0, containing support for Plaid Layer, as well as bug fixes and improvements to the returning user experience.
• Released iOS SDK 4.7.9, containing bug fixes and improvements to the returning user experience.
• Released Android SDK 4.5.0, containing support for Plaid Layer, as well as bug fixes.
• Released React Native 11.11.0, containing support for Plaid Layer, as well as bug fixes and improved prefill support.

For Beacon:

• Added access_tokens field to /beacon/user/create and /beacon/user/update requests.
• Added item_ids to /beacon/user/* responses.
• Added Bank Account Insights to Beacon. Account Risk (beta) is being folded into Beacon

For Balance:

• Launched Balance Plus (beta). Balance Plus enhances Plaid's Balance product with additional insights and lower latency and is designed to require minimal integration work for existing Balance customers.

For Income:

• Launched Plaid Check, a subsidiary of Plaid Inc. that is a Consumer Reporting Agency. Through Plaid Check's Consumer Report API, you can retrieve ready-made credit risk insights from consumer-permissioned cash flow data.
• Added /user/remove to support the deletion of user tokens.

For Liabilities:

• Added income-sensitive repayment as a student loan repayment type.

For Transactions:

• As originally announced in the November 2023 changelog, the default number of days of transactions history requested for new transactions-enabled Items is now 90 days for all customers. To change this behavior, use the days_requested parameter in /link/token/create or (if initializing transactions post-Link) /transactions/get or /transactions/sync.
• Improved behavior of Transactions-enabled Items being fixed via update mode. Now, if an Item was in an error state for over 24 errors before entering update mode, Plaid will immediately extract fresh transactions after update mode has completed, rather than waiting for the next scheduled update time.

For Transfer:

• Added support for RTP to Transfer UI.
• Added improved support for Transfer limit increase requests via the Transfer Dashboard.

For Virtual Accounts:

• Added support for RECALL as a transaction type where the sending bank has requested the return of funds due to a fraud claim, technical error, or other issue associated with the payment.

• Released Limited Production, which will replace Development as a platform for testing for free with live data. The Development environment will be decommissioned on June 20, 2024, and all Development Items will be deleted.
• Released Data Transparency Messaging to GA. To help ensure compliance with 1033 rulemaking, DTM will be automatically enabled for US and CA Link sessions later this year.
• Added new pre-seeded Sandbox test accounts for testing different credit profiles. These accounts are especially useful for testing Income, but are available to all customers. For details, see Credit and Income testing credentials.
• Updated the response object for /link/token/get. To accommodate future multi-Item Link session support for additional products, the on_success object in the response has been deprecated; it is recommended to use the new results object instead. Old: link_sessions[0].on_success.public_token. New: link_sessions[0].results.item_add_results[0].public_token. The on_exit field has also been deprecated; it is recommended to use the new exit field.
• Updated the SESSION_FINISHED webhook. To accommodate future multi-Item Link session support for additional products, deprecated the public_token field in lieu of a new public_tokens array.

For Plaid Link SDKs:

• Released iOS SDK 5.5.0 and 4.7.7, containing bug fixes and (for iOS SDK 5.5.0) additional view names to support new functionality.
• Released iOS SDK 6.0.0 beta, containing support for Apple Card and FinanceKit.
• Released Android SDK 4.4.1, containing bug fixes and UI improvements.
• Released React Native SDK 11.10.1, with improved support for "pre-loading" Link for a lower-latency user experience.
• Released React Native SDK 12.0.0 beta, containing support for Apple Card and FinanceKit.

For Income:

• Added new values to canonical_description in /credit/payroll_income/get: RETIREMENT, GIG_ECONOMY, and STOCK_COMPENSATION.

For Signal:

• Added support for some Items added via Same Day Micro-deposits or Instant Micro-deposits.

For Transfer:

• Added /transfer/authorization/cancel endpoint.

• Updated /link/token/get response to include user_token.
• Rebranded Remember Me as returning user experience.

For Plaid Link SDKs:

• Released Android SDK 4.3.1, iOS SDK 4.5.2, and React Native SDK 11.8.2, containing bug fixes and UI enhancements.

For Auth:

• Released Database Match, which enables instant manual account verification using Plaid's database of known account numbers. When provided as an alternative to Same Day Micro-deposits, Database Match can increase conversion, as the user may be able to verify instantly, without having to return to Plaid to verify their micro-deposit codes.
• Released Database Insights (beta). Database Insights can be used as a manual alternative to credential-based Auth flows in low-risk use cases. Database Insights verifies account and routing numbers by checking the information provided against Plaid's known account numbers. If no known account number is found, Database Insights checks the information given against usages associated with the given routing number. For more information and to request access to the beta, see the Database Insights (beta) documentation.
• Added support for the SMS_MICRODEPOSITS_VERIFICATION webhook to /sandbox/item/fire_webhook to support testing the Text Message Verification flow.

For Income:

• Added the ability to customize test data in the Sandbox environment for use with Document Income, by uploading a special JSON configuration object during the document upload step. For details, see Testing Document Income.

For Payment Initiation:

• Added supports_payment_consents field to an institution's Payment Initiation metadata object.
• Added counterparty date of birth and address as optional request fields for /payment_initiation/payment/reverse. Providing these fields increases the likelihood that the recipient's bank will process the transaction successfully.

For Statements:

• Released Statements to General Availability.
• Added Statements support to /sandbox/public_token/create.

For Transfer:

• Updated the possible values for network in recurring transfer contexts to reflect the fact that recurring transfers now support RTP.
• Added funds_available transfer status and transfer event type.
• Deprecated the /transfer/balance/get endpoint in favor of the Plaid Ledger.

For Plaid Link SDKs:

• Multiple improvements to the Remember Me experience.
• Added the ability to "pre-load" Link for a lower-latency user experience.

For Auth:

• Enabled Text Message Verification flow for Same-Day Micro-deposits by default. This new, non-breaking change can increase conversion of micro-deposit verification by up to 15%. This flow is now enabled for all Same Day Micro-deposit flows by default; to opt-out, use the auth.sms_microdeposits_verification_enabled: false setting when calling /link/token/create.

For Transactions:

• Multiple improvements to the /transactions/sync endpoint addressing common pain points:
  • /transactions/sync now returns the accounts array, eliminating the need for a separate call to /accounts/get.
  • /transactions/sync now returns a transactions_update_status, reflecting the status of the transaction pulls, which was previously only available via webhook.
  • The list of removed transactions now includes the account_ids they were associated with, to make reconciliation and management easier.
• Granted all customers self-serve access to the original_description field. To access original transaction descriptions, set options.include_original_description to true when calling /transactions/get or /transactions/sync. It is no longer necessary to request access from your Account Manager.
• Made account_id optional in the /transactions/recurring/get endpoint.

For Transfer:

• Added has_more field to /transfer/event/list and /transfer/event/sync to indicate there are more events to be pulled.
• Updated the possible values for network in recurring transfer contexts to reflect the fact that recurring transfers are only supported via ACH.

For Processor Partners:

• Added institution_id to /processor/account/get endpoint.

For Auth:

• Released the Text Message Verification flow for Same-Day Micro-deposits. This new, non-breaking change can increase conversion of micro-deposit verification by up to 15%. Currently, Text Message Verification is opt-in, and will transition to opt-out in March.

For Identity Verification:

• Added a large number of additional linked_services enum values.

For Investments:

• Added vested_quantity and vested_value fields to the holdings object.

For Liabilities:

• Added the pending idr status for student loans to reflect loans with a pending application for income-driven repayments.

For Transfer:

• Added fields including wire_details and wire_routing_number, and wire as a supported network, to support wire transfers. If you are interested in using wire transfers with Transfer, contact your Account Manager or (if you are not yet a customer) Sales.
• Increased maximum length of description field on /transfer/intent/create from 8 to 15.

For Signal:

• Added warnings array to /signal/evaluate response even if no warnings are present in order to match documented API behavior.

• Expanded the Returning User Link flow to more customers. For more details on the returning user experience, including the associated Link events, see returning user experience.
• Added events field to /link/token/get to capture Link events.
• Made the persistent_account_id field available in GA to all customers. The persistent_account_id field is a special field, available only for Chase Items. Because Chase accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify a Chase account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud.
• Released the USER_ACCOUNT_REVOKED webhook in GA to all customers, to complement the existing USER_PERMISSION_REVOKED webhook, but capturing account-level revocation rather than Item-level revocation. The USER_ACCOUNT_REVOKED webhook is sent only for Chase Items and is primarily intended for payments use cases. The webhook indicates that the TAN associated with the revoked account is no longer valid and cannot be used to create new transfers.

For Auth:

• Added support for the Stripe Payment Intents API. For more details, see Add Stripe to your App.

For Assets:

• Added vested_quantity and vested_value fields to the Investments object within the Asset Report.
• Added margin_loan_amount field to the Balance object within the Asset Report.

For Enrich:

• Added counterparty phone_number to the /transactions/enrich response.

For Income:

• Added the ability to filter the results of /credit/payroll_income/get and /credit/bank_statements/uploads/get to only certain Items, via an optional item_ids request field.
• Added num_1099s_uploaded to the document_income_results object in /credit/sessions/get response.

For Identity Verification:

• Added new no_data type to name and date_of_birth fields in documentary_verification.documents[].analysis.extracted_data in the response of all of the Identity Verification endpoints.
• Made street and city optional in the address attribute of /identity_verification/create.

For Payment Initiation:

• Added optional scope and reference fields to /payment_initiation/consent/payment/execute.

For Transactions:

• Added a new Sandbox test user, user_transactions_dynamic. When logging into Sandbox with this username, you will see more realistic, dynamic Sandbox transactions data, including a wider variety of transaction types, and transactions moving between pending and posted state.

For Virtual Accounts:

• Added available balance to balance object in /wallet/get and /wallet/list.

For Partners:

• Added /processor/liabilities/get endpoint.
• Added optional registration_number to /partner/customer/create request.

• Announced the upcoming removal of the Development environment. To simplify the development process, Plaid will be replacing the Development environment with the ability to test with real data for free directly in Production. On June 20, 2024, the Plaid Development environment will be decommissioned, and all Development Items will be removed. You may continue to test on the Development environment until this time.
• Capital One now provides real-time balance data for depository accounts, including checking and savings accounts. It is no longer necessary to include min_last_updated_datetime when making /accounts/balance/get calls for these accounts.

For Investments:

• Added market_identifier_code to the security object.
• Added option_contract to the security object, adding additional details contract_type, expiration_date, strike_price, and underlying_security_ticker for better insight into derivatives.

For Identity:

• Released Identity Match and the /identity/match/ endpoint to General Availability.

For Income:

• Expanded /sandbox/income/fire_webhook to support the INCOME_VERIFICATION_RISK_SIGNALS webhook, adding a new webhook_code parameter to the endpoint.

For Transfer Platform Payments (beta):

• Added /transfer/ledger/distribute endpoint, as well as a facilitator_fee field to /transfer/create, both of which can be used to collect payments from end customers.
• Removed support for doc and docx format files in /transfer/diligence/document/upload.

For Transfer:

• Updated default Sandbox behavior of Ledger. Ledgers in Sandbox will now have a $100 default balance.

For Transactions:

• Added the days_requested field to /transactions/sync and /transactions/get under the options object, and to /link/token/create under the transactions object to support a behavior change in the Transactions product. For all new customers who created accounts after December 3, 2023 the maximum number of days of historical data requested from transactions endpoints will default to 90 days if the days_requested field is not specified. This change will also be applied to existing customers on June 24, 2024. To change the amount of historical data requested, use the days_requested field when Transactions is first added to your Item.

For Partners:

• Added /processor/signal/prepare
• Added /processor/transactions/get
• Make products field in /partner/customers/create optional. If empty or null, this field will default to the products enabled for the partner.

• Chase has extended the September 30 deadline for migrating away from in-process webviews. The new cutoff date will be in mid-January 2024. All impacted customers should migrate by January 1, 2024 to avoid a negative impact on Link conversion. See the deprecation notice for more details.

• Added Belgium as a supported country.

For Auth:

• Added an instant_microdeposits_enabled flag to /link/token/create to allow customers to disable Instant Micro-deposits. By default, Instant Micro-deposits will be enabled for all sessions.

For Income:

• Released Document Fraud to General Availability.
• Added /credit/payroll_income/parsing_config/update, allowing users of Document Fraud to update the parsing configuration used for document income.
• Deprecated the /credit/payroll_income/precheck endpoint.

For Investments:

• Added the investments.allow_manual_entry parameter in /link/token/create and the corresponding is_investments_fallback_item field to /investments/transactions/get and /investments/holdings/get. Enabling manual entry allows a user to create an investments fallback Item for a non-supported institution by manually entering their holdings in Link.
• Extended the deadline beyond which Plaid customers will need a CGS license to obtain cusip and isin data. The new deadline is March 2024.

For Transactions:

• Added counterparties, logo_url, and website information about merchants (previously available only via Enrich) to /transactions/sync and /transactions/get data.

For Transfer:

• Added new methods to fund your Plaid Ledger. In addition to the /transfer/ledger/deposit and /transfer/ledger/withdraw endpoints, you can now initiate a funds transfer via the Dashboard, set up a recurring schedule or minimum balance by contacting Support, or fund your ledger via ACH or wire transfer from your bank account.
• Made Plaid Ledger the default method for funding transfers for all new Transfer customers. Plaid Ledger allows faster funds transfers and is now the easiest way to move money between your bank account and Plaid. Existing customers who want to switch to Plaid Ledger should contact their Plaid Account Manager.
• Added /sandbox/transfer/refund/simulate to test refunds in the Sandbox environment.
• Added refund-specific event types. These are existing event types with the prefix refund., e.g. refund.settled.
• For /transfer/configuration/get, stopped returning max_single_transfer_amount and max_monthly_amount. To maintain compatibility with older client libraries, these fields will still be present in the API, but will be blank strings.
• For /transfer/metrics/get, stopped returning monthly_transfer_volume. To maintain compatibility with older client libraries, this field will still be present in the API, but will be a blank string.

For Virtual Accounts:

• Added RETURN as possible Virtual Account wallet transaction type.

• Added the LOGIN_REPAIRED webhook. This webhook will fire when an Item's status transitions from ITEM_LOGIN_REQUIRED to a healthy state, without the user having used the update mode flow in your app.

• Added Update Mode Product Validations (beta). Update Mode Product Validations (UMPV) allows you to validate that a user going through update mode at an OAuth institution has selected the appropriate authorizations to enable Auth and/or Identity. If they do not select the correct options, they will be prompted to update their selections.

• Added Optional Products. If a product is specified in the optional_products field when calling /link/token/create, the product will be added to the Item if possible. However, if the product cannot be added to the Item -- for example, because the Item is not supported by the institution, the user did not grant the correct OAuth permissions, or because of an institution connectivity error for that product -- Item creation will still succeed with the other products specified.

• Added institution_not_supported as a potential Link session exit metadata status.

  For Auth:

• Added Instant Micro-Deposits, allowing end users to verify their accounts in seconds, using micro-deposits sent over RTP or FedNow rails. Instant Micro-Deposits can be used as a faster alternative to Same-Day Micro-Deposits at supported institutions.

  For Assets:

• Deprecated report_type field used in /asset_report/create, and replaced it with verification_report_type. This change was made to avoid confusion with the existing report_type field used to by the PRODUCT_READY webhook to distinguish between Fast Asset Reports and Full Asset Reports.

For Signal:

• Launched the Signal Dashboard to help customers monitor return rates and tune Signal risk score thresholds.

For Transactions:

• Made Personal Finance Categories returned by default for all users. Personal Finance Categories are Plaid's newest and most accurate way of categorizing transactions, using more intuitive categories that correspond better to personal finance management use cases.

For Transfer:

• Launched Transfer from beta to Early Availability (EA) status.
• Added support for FedNow payments, which can be accessed by specifying rtp as the payment network.
• Added Plaid Ledger. Your Plaid Ledger allows you to maintain a funds balance with Plaid, which can be used to fund payouts over FedNow and RTP rails. You can use APIs to move money in and our of your Ledger.
• Removed Payment Profiles; access tokens are now the only supported mechanisms for connecting accounts on Transfer.
• Removed beacon_id, as it was used only to support Guarantee. Guarantee is no longer offered and will be replaced by a more sophisticated set of risk management tools within Transfer.

For Income:

• Updated API docs to reflect "NOT LISTED" as a potential value for marital_status.

For Statements (beta):

• Released Statements in beta. Statements allows you to retrieve an exact PDF copy of a customer's statement at supported institutions.

For Enrich:

• Added frequency field to recurring transactions to indicate the recurrence frequency.

For Identity Verification:

• Added area_code match status to the responses of the /identity_verification/get and /identity_verification/list endpoints.

For Income:

• Added a number of new categories for Payroll Income canonical_description field: ALLOWANCE, BEREAVEMENT, HOLIDAY_PAY, JURY_DUTY, LEAVE, LONG_TERM_DISABILITY_PAY, MILITARY_PAY, PER_DIEM, REFERRAL_BONUS, REIMBURSEMENTS, RETENTION_BONUS, RETROACTIVE_PAY, SEVERANCE_PAY, SHIFT_DIFFERENTIAL, SHORT_TERM_DISABILITY_PAY, SICK_PAY, SIGNING_BONUS, and TIPS_INCOME. Also made null a valid value.
• Added status field to /credit/payroll_income/risk_signals/get to show the status of evaluated documents.
• Added payroll_income.parsing_config to /link/token/create to expose configuration options for risk signal evaluation.

For Liabilities:

• Added saving on a valuable education (SAVE) as a student loan repayment plan type.

For Signal:

• Added the ability to change an initiated status reported via /signal/decision/report. Previously, attempting to change the status of a reported decision that was originally reported as initiated would result in an INVALID_FIELD error; now it is allowed.

For Transfer:

• Added failure_reason to refund objects to indicate why a Transfer refund failed.

For Virtual Accounts:

• Added failure_reason to /wallet/transaction/get and /wallet/transaction/list endpoints to indicate why a wallet transaction failed.

• Added /processor/token/webhook/update endpoint to allow customers using processor partners to update the webhook endpoint associated with a processor token.

For Assets:

• Made asset_report_token optional in /asset_report/get request to support future development of Asset Reports based on other types of tokens.

For Investments:

• Added the async_update option for /investments/transactions/get, along with an accompanying HISTORICAL_UPDATE webhook. If async_update is enabled, the initial call to /investments/transactions/get for an Item will be made as an async call with a webhook, similar to /transactions/get.

For Enrich:

• Added confidence_level to counterparty and personal_finance_category fields.

For Identity Verification:

• Added date_of_birth and address fields to documentary_verification.documents[].extracted_data in the response of all Identity Verification endpoints.
• Mark all region and postal_code fields as nullable, to better support countries that do not use these fields.

For Transfer:

• Added transfer_id and status filters to /transfer/sweep/list request.
• Added status field to the sweep object.

• Added the required_if_supported_products field to /link/token/create. When using multiple Plaid products, you can use this field to specify products that must be enabled when the user's institution and account type support them, while still allowing users to add Items if the institution or linked account doesn't support these products. If a product in this field cannot be enabled at a compatible institution (for example, because the user failed to grant the required OAuth permissions, generating an ACCESS_NOT_GRANTED error), the Item will not be created, and the user will be prompted to try again in the Link flow.

• Changed the behavior of the oauth field on the institution object. Previously, oauth would be true only if all Items at an institution used OAuth connections. Now, oauth is true if any Items at an institution use OAuth connections.

• Changed the behavior of the account_selection_enabled flag in /link/token/create. To improve conversion, at institutions that provide OAuth account selection flows, this flag will be overridden and treated as though it were always true. For other institutions, the flag behavior is unchanged.

For Auth:

• Added the ability to customize Same-day Microdeposit flows via the new reroute_to_credentials option in /link/token/create. Using this field, you can detect whether a user is attempting to use Same-day Microdeposits to add an institution that is supported via a direct Plaid connection, and optionally either require or recommend that they use a direct connection instead.

For Enrich:

• Added income_source enum to counterparty_type field.

For Identity Verification:

• Added the ability to prefill user data when retrying a verification by providing a user object to /identity_verification/retry.
• Added client_user_id field to /identity_verification/create. It is recommended to use this field instead of user.client_user_id, although both fields are supported.

For Income:

• Added num_bank_statements_uploaded to document_income_results object in /credit/sessions/get.

For Signal:

• Removed the maximum length constraint for client_user_id when calling /signal/evaluate or /processor/signal/evaluate.

For Transfer:

• Added the ability to specify a test_clock_id when calling /sandbox/transfer/sweep/simulate or /sandbox/transfer/simulate. If provided, the simulated action will take place at the virtual_time of the given test clock.
• Made the virtual_time field optional when calling /sandbox/transfer/test_clock/create. If a time is not provided, the current time will be used.
• Updated the sweep_id format to be either a UUID or an 8-character hexadecimal string.
• Made next_origination_date nullable in the recurring transfer object.

For Virtual Accounts:

• Added address and date of birth to /wallet/transaction/execute.
• Added payment scheme (scheme) to /wallet/transaction/get and /wallet/transaction/list.

For Assets:

• Added support for ASSETS: PRODUCT_READY and ASSETS: ERROR webhooks to /sandbox/item/fire_webhook

For Identity:

• Added is_business_name_detected to the /identity/match endpoint

For Identity Verification:

• Added the selfie_check field to the Income Verification object, to report the status of a selfie check.

For Document Income:

• Added the INCOME_VERIFICATION_RISK_SIGNALS webhook to indicate when /credit/payroll_income/risk_signals/get is ready to be called.

For Transfers:

• Increased the maximum length of the description field in /transfer/create to 15 characters.
• Added the /transfer/balance/get endpoint.
• To support prefunded credit processing, added the credit_funds_source field to distinguish between credits based on sweeps, RTP credit balances, and ACH credit balances, and made the funding_account_id field nullable.

For Processor partners:

• Added /processor/token/permissions/set and /processor/token/permissions/get endpoints.
• Added /processor/identity/match endpoint to allow Processor partners to support the new beta Identity Match feature.

For Signal:

• Added a warnings object to the /processor/signal/evaluate response.

For Income:

• Added STARTED and INTERNAL_ERROR statuses to /credit/sessions/get.

For Document Income:

• Released the /credit/payroll_income/risk_signals/get endpoint. This endpoint can be used as part of the Document Income flow to assess a user-uploaded document for signs of potential fraud or tampering.

For Identity Verification:

• Documented several fields in the user object of /link/token/create as being officially supported methods of pre-filling user data in Link for the Identity Verification flow, as an alternative to /identity_verification/create. (While this worked in the past, it was not previously an officially supported or documented flow.) As part of this change, un-deprecated the user.date_of_birth field.

For Enrich:

• Added recurrence and is_recurring fields to /transactions/enrich.

• To maximize conversion, updated Link to use a pop-up window for OAuth authentication rather than redirects on non-webview mobile web flows.
• Clarified that continue(from:) is no longer required for iOS OAuth integrations using Plaid's iOS and React Native iOS SDKs.
• Updated error codes for most RATE_LIMIT errors to be specific to the endpoint for which they apply.

For Auth:

• Changed the Link UI for Instant Match and Automated Micro-deposits flows to increase conversion by reducing the number of screens in the flow and removing unnecessary input fields. No developer action is required as a result of this change.

For Transactions:

• Added ANNUALLY as a possible frequency for recurring transactions in /transactions/recurring/get.

For Identity:

• Added /identity/match (beta) to simplify the process of using Identity for account ownership verification. /identity/match allows you to send user information such as name, address, email, and phone number, and returns a match score indicating how closely that data matches information on file with the financial institution, so that you no longer have to implement similarity matching logic on your own. /identity/match is currently in closed beta; to request access, contact your Account Manager or contact Sales.

For Identity Verification:

• Added risk_check object to Identity Verification API responses to provide more detail about the factors that influenced the risk check result.

For Assets:

• Released Fast Assets functionality to General Availability (GA). With Fast Assets, you can create a Fast Asset Report with partial information (current balance and identity data) in about half the time as a Full Asset Report, then request the Full Asset Report later. Fast Assets is available free of charge to all Assets customers. For more information, see the Assets API reference.
• Added the optional days_to_include field to /asset_report/get requests. This field allows you to optionally reduce the number of days displayed in an Asset Report, to improve usability for human reviewers.
• Added Freddie Mac as an audit copy token partner with auditor_id: freddie_mac.
• Added credit_category (beta) to transactions data returned by Asset Reports with Insights, describing the category of the transaction. Access to this field is in closed beta; to request access, contact your Account Manager.

For Income:

• Added support for bank_employment_results data to /credit/sessions/get. Employment functionality is currently in closed beta; for more details, contact your Account Manager.

For Signal:

• Added warnings field to /signal/evaluate response.

For Virtual Accounts:

• Added transaction_id to the Payment Initiation PAYMENT_STATUS_UPDATE webhook. This field will be present only when a payment was initiated using Virtual Accounts.
• Added payment_id and wallet_id to the WALLET_TRANSACTION_STATUS_UPDATE webhook.

• Added the persistent_account_id field (beta) to the account object. The persistent_account_id field identifies an account across multiple instances of the same Item, for use with Chase Items only, to simplify the management of Chase duplicate Item behavior. Access to this field is currently in closed beta; for more details, contact your Account Manager.

For Assets:

• Beginning March 31, 2023, Assets will be updated to return investment, instead of brokerage, as the account type for investment accounts. brokerage may still be returned as an account sub-type under the investment account type.

For Income:

• Added employment value to the products array for /link/token/create. Employment functionality is currently in closed beta; for more details, contact your account manager.

For Identity Verification:

• Added redacted_at field in Identity Verification response and Documentary Verification Document component.

For Transfer:

• Added the ability to specify a payment network (either ach or same-day-ach) when calling /transfer/intent/create.

For reseller partners:

• Added income_verification and employment as supported products for /partner/customer/create. Employment functionality is currently in closed beta.
• Added the ability to specify redirect_uris to /partner/customer/create.

For Virtual Accounts:

• Increased the minimum length of the reference field for /wallet/transaction/execute to 6 characters.
• To improve usability, added wallet_id field to /wallet/transaction/get and /wallet/transaction/list responses and to the WALLET_TRANSACTION_STATUS_UPDATE webhook.

For Payment Initiation:

• Increased the minimum length of the reference field for /payment_initiation/payment/reverse to 6 characters.
• To improve usability, added transaction_id field to the PAYMENT_STATUS_UPDATE webhook. This field will be populated when the payment status is PAYMENT_STATUS_SETTLED.
• Removed the deprecated options.wallet_id field from /payment_initiation/payment/create and /payment_initiation/consent/create.

For Signal:

• Added signal to the products array. For most current Signal customers, Signal is automatically enabled for all of their Items; over time, Signal will be moving to a model similar to Plaid's other products, in which customers instead initialize an Item with signal by adding signal to the products array when calling /link/token/create.

• Released Plaid React Native SDK 9.0.0 and Plaid iOS SDK 4.1.0. All iOS integrations must upgrade to these SDKs by June 30, 2023 in order to maintain support for Chase OAuth flows on iOS. Any integrations using webviews will also be required to update their webview handlers by June 30, 2023. For more details on required webview updates, see the OAuth Guide.
• Released improvements to the returning user experience: removing the requirement to provide a verified time for phone numbers and email addresses, making RUX flows available for more products, and adding Institution Boosting, which automatically surfaces institutions a user has previously linked to Plaid in the Link flow. Enabling the returning user experience can increase conversion by 8% or more. For more details, see Returning user experience documentation.

For Auth:

• Updated Same-Day Micro-deposits to make a single one-cent micro-deposit, which will not be reversed, rather than multiple micro-deposits. This change will reduce costs and decrease the incentive for micro-deposit fraud. No changes are required on the part of developers to support this change. This change will automatically be rolled out to customers over the next several months.

For Transfer:

• Added expected_settlement_date field to the Transfer object.
• Added funding_account_id field to clarify which account is used to fund a transfer. This field replaces the older origination_account_id.

For Virtual Accounts:

• Added status field to Wallet schema.

For Partners:

• Added PARTNER_END_CUSTOMER_OAUTH_STATUS_UPDATED webhook.

For Auth:

• Announced upcoming Instant Match automatic enrollment to existing customers who have not yet been enabled for Instant Match by default. Instant Match is a higher-converting experience for Link that expands Auth coverage to more end users. All customers will be enabled for Instant Match by default unless they opt-out by January 19, 2023, which they can do by contacting their Account Manager.

For Assets:

• Released relay tokens to beta, along with associated endpoints /credit/relay/create, /credit/relay/get, /credit/relay/refresh, and /credit/relay/remove. Relay tokens support sharing of Asset Reports with customers' authorized service providers, such as underwriters.

For Income:

• For /credit/bank_income/get, deprecated amount, iso_currency_code, and unofficial_currency_code at top levels in response in favor of new total_amounts field. This change enables more accurate reporting of income for users with income in multiple different currencies.
• Added new possible values to rate_of_pay field returned by /credit/payroll_income/get: WEEKLY, BI_WEEKLY, MONTHLY, SEMI_MONTHLY, DAILY, and COMMISSION.
• Added new pay_basis field to the response of /credit/payroll_income/get.

For Virtual Accounts:

• Added FUNDS_SWEEP as a possible transaction type.

For Transfer:

• Added /transfer/capabilities/get endpoint to provide information about which Items support Real Time Payments (RTP)
• Added endpoints /transfer/originator/get, /transfer/originator/list, /transfer/originator/create, and /transfer/questionnaire/create to support marketplaces and reseller partners in creating and managing transfer originators.
• Added the ability to create and manage recurring transfers. API changes include the new endpoints /transfer_recurring/create, /transfer/recurring/cancel, /transfer/recurring/get, and /transfer/recurring/list, as well as the new webhooks RECURRING_NEW_TRANSFER, RECURRING_TRANSFER_SKIPPED, and RECURRING_CANCELLED, and the test endpoints /sandbox/transfer/test_clock/create, /sandbox/transfer/test_clock/advance, /sandbox/transfer/test_clock/get, and /sandbox/transfer/test_clock/list.

For Enrich:

• Released Enrich to Early Availability. Enrich access is now available by default in Sandbox. For details on requesting access to use Enrich with real data, see the Enrich documentation.
• Added support for legacy categories, using categories from /categories/get, in addition to the newer personal_finance_category schema.
• Renamed counterparty type delivery_marketplace to marketplace and added counterparty type payment_terminal.

For the Reseller Partner API:

• Added /partner/customer/oauth_institutions/get endpoint to provide OAuth-institution registration information to Reseller Partners.

• Released Signal to general availability. Signal uses machine learning techniques to evaluate a proposed ACH transaction and determine the likelihood that the transaction will be reversed. It also provides fields and insights that you can incorporate into your own data models. By using the Signal API, you can release funds earlier to optimize your user experience while managing the risk of ACH returns.

For Auth:

• Enabled Instant Match by default for most existing customers.

For Investments:

• Notified customers that customers must hold a CGS (CUSIP Global Services) license to obtain CUSIP and ISIN data. Beginning in mid-September 2023, customers who do not have a record of this license with Plaid will receive null data in these fields. To maintain access to these fields, contact your Plaid Account Manager or investments-vendors@plaid.com.

For Payment Initiation:

• Added the ability to initiate partial refunds by specifying an amount when calling /payment_initiation/payment/reverse. As part of this change, added amount_refunded field to /payment_initiation/payment/get and /payment_initiation/payment/list.
• Added support for local payment schemes for all supported currencies (previously, only EUR and GBP local payment schemes been supported), and added the enum values LOCAL_DEFAULT and LOCAL_INSTANT to represent them. In the UK, the FASTER_PAYMENTS enum value has been replaced by LOCAL_DEFAULT.
• Removed support for currencies CHF and CZK.

For Virtual Accounts:

• For improved consistency, renamed /wallet/transactions/list to /wallet/transaction/list.
• For clarity, renamed start_date to start_time in the /wallet/transaction/list response to reflect that the field is a date-time.

For Transfer:

• Made account_id nullable in the responses for /transfer/authorization/create and /transfer/create.
• Added deleted_at field to /payment_profile/get response.
• Added refunds field to the transfer object.
• Added refund_id to the transfer event object.

For Reseller Partners:

• Added the /partner/customer/remove endpoint to disable customers who have not yet been enabled in Production.

• Added support for additional Link display languages: Danish, German, Estonian, Italian, Latvian, Lithuanian, Norwegian, Polish, Romanian, and Swedish.
• Added support for additional countries: Denmark, Estonia, Latvia, Lithuania, Poland, Norway, and Sweden.
• Added support for USER_INPUT_TIMEOUT as a value for force_error in the Sandbox custom user schema.

For Auth:

• Enabled Instant Match by default for all new customers.

For Investments:

• Added non-custodial wallet to account subtypes.
• Added trade investment transaction subtype as a subtype of transfer investment transaction type

For Income:

• To improve reliability and developer ease of use, modified the multi-Item Link flow for Bank Income to use the new /credit/sessions/get endpoint rather than relying on Link events.
• Added Bank Income status USER_REPORTED_NO_INCOME.
• Added Income support to /sandbox/public_token/create.
• Deprecated VERIFICATION_STATUS_PENDING_APPROVAL.
• Established a 128 character limit for the client_user_id field in the /user/create request.
• Added institution_name and institution_id fields to /credit/payroll_income/get response.

For Virtual Accounts:

• Added options.start_time and options.end_time to /wallet/transaction/list request.
• Added last_status_update and payment_id field to wallet transactions.

For Payment Initiation:

• Added transaction_id field to the payment object.

For Transfer (beta):

• Added support for RTP networks
• Added decision rationale code PAYMENT_PROFILE_LOGIN_REQUIRED and the ability to update a Payment Profile via update mode. Also added /sandbox/payment_profile/reset_login to test this new update mode flow in Sandbox.
• To improve consistency, renamed LOGIN_REQUIRED decision rationale to ITEM_LOGIN_REQUIRED.
• Deprecated origination_account_id from /transfer/authorization/create endpoint.
• Added new originator_client_id field to support Third-Party Senders (TPS).

For Wallet Onboard (beta):

• Released Wallet Onboard to beta.

For Partner Resellers:

• Added Partner reseller endpoints to improve the experience of onboarding new customers for delegated diligence partners.

• Added the ability to simulate the USER_INPUT_TIMEOUT error in Sandbox.
• Added the ability to specify account mask when using custom Sandbox users.

For Investments:

• Added support for crypto wallet investment account subtype non-custodial wallet and crypto trade investment transaction type.
• Made institution_price_as_of nullable.

For Transfer (beta):

• Added support for client-side beacons. A beacon is now required when using Guarantee with web checkout flows.
• Removed the idempotency_key from the /transfer/authorization/create response.
• Added settled and swept_settled transfer events and event statuses.
• Added standard_return_window and unauthorized_return_window fields to the Transfer object.

For Payment Initiation:

• Added AUTHORISING wallet status.
• Added recipient_id to the /wallet/create, /wallet/get, and /wallet/list responses.

For Assets:

• Added days_to_include and options to /asset_report/get request.

• Released Identity Verification and Monitor to General Availability (GA).

• Added issuing_region as a field in the extracted data for Identity Verification documents

• Extended support for Android Link SDK versions prior to 3.5.0, iOS Link SDK versions prior to 2.2.2, and Link React Native SDK versions prior to 7.1.1. Previously, these SDK versions had been scheduled to be sunset on November 1, 2022. The sunset has been canceled and Plaid will now continue to support these versions past November 2022. We still recommend you use the latest SDK versions.

For Payment Initiation:

• Added support for virtual accounts.
• Added support for additional currencies PLN, SEK, DKK, NOK, CHF, and CZK.
• Added PAYMENT_STATUS_SETTLED payment status.

For Income:

• Removed verification fields from /credit/payroll_income/get and /income/verification/paystubs/get
• Removed pull_id field from /credit/payroll_income/get
• Added payroll institution to /credit/income/precheck

For /link/token/create user object:

• Deprecated the unused fields ssn, date_of_birth, and legal_name.
• Added the name, address, and id_number parameters to support Identity Verification.

For Payment Initiation:

• Added bin as a field under institution_metadata for /link/token/create.

For Income:

• Add stated_income_sources as a field under income_verification for /link/token/create.
• Add 1099 data to /credit/payroll_income/get response.
• Deprecate paystubs.verification in /credit/payroll_income/get response.

For Transfer:

• Add payment_profile_id to /transfer/authorization/create, /transfer/create, and /link/token/create and make account_number and access_token optional for /transfer/authorization/create and /transfer/create. These changes will support forthcoming Transfer functionality.
• Add user_present a required field for /transfer/authorization/create when using Guarantee (beta)
• Deprecated the no-longer-used swept and reverse_swept statuses.