Onboard users with Layer

This guide will walk you through how to onboard users to Plaid Check with Layer. This process involves creating a user, onboarding the user with Layer, and retrieving the user's Plaid Check data.

1. Create a user token using the /user/create endpoint. At this stage, the consumer_report_user_identity field is optional.

1. Onboard the user by following Layer's Integration Overview steps.
   When creating the Link token, be sure to include CRA products and layer in the products array. Do not specify a consumer_report_permissible_purpose unless you provided a consumer_report_user_identity when creating the user, and you want to automatically create a Consumer Report after the Layer process.

2. Call /user_account/session/get to retrieve user-permissioned identity information.

3. After processing the identity information, update the Plaid user record by calling the /user/update endpoint. Populate the consumer_report_user_identity field with the relevant information.

1. Now that the identity information has been added to the user record, you can generate a Consumer Report by calling /cra/check_report/create.

2. Once the Consumer Report has been generated (indicated by a CHECK_REPORT_READY webhook), retrieve the report by calling /cra/check_report/base_report/get, /cra/check_report/income_insights/get, /cra/check_report/partner_insights/get, or /cra/check_report/pdf/get.