Add Identity to your app 
=========================

#### Use Identity to verify user data 

In this guide, we'll start from scratch and walk through how to use [Identity](https://plaid.com/docs/api/products/identity/index.html.md) to retrieve identity data. If you are already familiar with using Plaid and are set up to make calls to the Plaid API, you can skip ahead to [Matching identity data](https://plaid.com/docs/identity/add-to-app/index.html.md#matching-identity-data) (for [/identity/match](https://plaid.com/docs/api/products/identity/index.html.md#identitymatch) ) or [Fetching identity data](https://plaid.com/docs/identity/add-to-app/index.html.md#fetching-identity-data) (for [/identity/get](https://plaid.com/docs/api/products/identity/index.html.md#identityget) ).

#### Get Plaid API keys and complete application and company profile 

If you don't already have one, you'll need to [create a Plaid developer account](https://dashboard.plaid.com/signup) . After creating your account, you can find your [API keys](https://dashboard.plaid.com/developers/keys) under the Developers menu on the Plaid Dashboard.

You will also need to complete your [application profile](https://dashboard.plaid.com/settings/company/app-branding) and [company profile](https://dashboard.plaid.com/settings/company/profile) on the Dashboard. The information in your profile will be shared with users of your application when they manage their connection on the [Plaid Portal](https://my.plaid.com) . Your application profile and company profile must be completed before connecting to certain institutions in Production.

#### Install and initialize Plaid libraries 

You can use our official server-side client libraries to connect to the Plaid API from your application:

```node
// Install via npm
npm install --save plaid

```

```bash
## Not applicable with curl calls

```

```ruby
# Available as a gem
gem install plaid

```

```java
/*
For Gradle, add the following dependency to your build.gradle and replace {VERSION} with the version number you want to use from
- https://github.com/plaid/plaid-java/releases/latest
*/
implementation "com.plaid:plaid-java:{VERSION}"

/*
For Maven, add the following dependency to your POM and replace {VERSION} with the version number you want to use from
- https://github.com/plaid/plaid-java/releases/latest
*/

  com.plaid
  plaid-java
  {VERSION}


```

```python
# Install through pip, only supports Python 3
pip install --upgrade plaid-python

```

```go
go get github.com/plaid/plaid-go

```

After you've installed Plaid's client libraries, you can initialize them by passing in your `client_id`, `secret`, and the environment you wish to connect to (Sandbox or Production). This will make sure the client libraries pass along your `client_id` and `secret` with each request, and you won't need to explicitly include them in any other calls.

In the code samples below, you will need to replace `PLAID_CLIENT_ID` and `PLAID_SECRET` with your own keys, which you can obtain from the [Dashboard](https://dashboard.plaid.com/developers/keys) . These code samples also demonstrate starting up a server commonly used in each framework (such as Express or Flask).

```node
// Using Express
const express = require('express');
const app = express();
app.use(express.json());

const { Configuration, PlaidApi, PlaidEnvironments } = require('plaid');

const configuration = new Configuration({
  basePath: PlaidEnvironments.sandbox,
  baseOptions: {
    headers: {
      'PLAID-CLIENT-ID': process.env.PLAID_CLIENT_ID,
      'PLAID-SECRET': process.env.PLAID_SECRET,
    },
  },
});

const client = new PlaidApi(configuration);

```

```bash
## Not applicable with curl calls

```

```ruby
require 'sinatra'
require 'plaid'

set :port, ENV['APP_PORT'] || 8000

configuration = Plaid::Configuration.new
configuration.server_index = Plaid::Configuration::Environment[ENV['PLAID_ENV'] || 'sandbox']
configuration.api_key['PLAID-CLIENT-ID'] =  ENV['PLAID_CLIENT_ID']
configuration.api_key['PLAID-SECRET'] = ENV['PLAID_SECRET']

api_client = Plaid::ApiClient.new(
  configuration
)

client = Plaid::PlaidApi.new(api_client)

```

```java
import java.net.*;
import java.io.*;
import retrofit2.Response;
import java.util.Arrays;
import com.sun.net.httpserver.*;

import com.plaid.client.ApiClient;
import com.plaid.client.request.PlaidApi;

public class PlaidExample {
  private static final String CLIENT_ID = System.getenv("PLAID_CLIENT_ID");
  private static final String SECRET = System.getenv("PLAID_SECRET");

  public static void main(String[] args) {
    HttpServer server = HttpServer.create(
      new InetSocketAddress("localhost", 8000), 0);
    server.createContext("/create_link_token", new GetLinkToken());
    server.setExecutor(null);
    server.start();
  }

  // Additional server code goes here

}

```

```python
import plaid
from plaid.api import plaid_api

from flask import Flask
from flask import render_template
from flask import request
from flask import jsonify

app = Flask(name)

configuration = plaid.Configuration(
  host=plaid.Environment.Sandbox,
  api_key={
    'clientId': PLAID_CLIENT_ID,
    'secret': PLAID_SECRET,
  }
)

api_client = plaid.ApiClient(configuration)
client = plaid_api.PlaidApi(api_client)

# Additional server code goes here

if __name__ == "__main__":
    app.run(port=8000)

```

```go
import (
    "context"
    "net/http"
    "os"

    "github.com/gin-gonic/gin"
    "github.com/plaid/plaid-go/v3/plaid"
)


configuration := plaid.NewConfiguration()
configuration.AddDefaultHeader("PLAID-CLIENT-ID", os.Getenv("CLIENT_ID"))
configuration.AddDefaultHeader("PLAID-SECRET", os.Getenv("SECRET"))
configuration.UseEnvironment(plaid.Sandbox)
client := plaid.NewAPIClient(configuration)


func main() {
  r := gin.Default()
  // Server endpoints would be declared here
  // e.g.  r.POST("/create_link_token", createLinkToken)
 r.POST("/create_link_token", createLinkToken)

  err := r.Run(":8000")
  if err != nil {
    panic("unable to start server")
  }
}

```

#### Create an Item in Link 

Plaid Link is a drop-in module that provides a secure, elegant authentication flow for each institution that Plaid supports. Link makes it secure and easy for users to connect their bank accounts to Plaid. Note that these instructions cover Link on the web. For instructions on using Link within mobile apps, see the [Link documentation](https://plaid.com/docs/link/index.html.md) .

Using Link, we will create a Plaid _Item_, which is a Plaid term for a login at a financial institution. An Item is not the same as a financial institution account, although every account will be associated with an Item. For example, if a user has one login at their bank that allows them to access both their checking account and their savings account, a single Item would be associated with both of those accounts. If you want to customize Link's look and feel, you can do so from the [Dashboard](https://dashboard.plaid.com/link) .

Before initializing Link, you will need to create a new `link_token` on the server side of your application. A `link_token` is a short-lived, one-time use token that is used to authenticate your app with Link. You can create one using the [/link/token/create](https://plaid.com/docs/api/link/index.html.md#linktokencreate) endpoint. Then, on the client side of your application, you'll need to initialize Link with the `link_token` that you just created.

##### Create a link\_token 

```node
app.post('/api/create_link_token', async function (request, response) {
  // Get the client_user_id by searching for the current user
  const user = await User.find(...);
  const clientUserId = user.id;
  const linkTokenRequest = {
    user: {
      // This should correspond to a unique id for the current user.
      client_user_id: clientUserId,
    },
    client_name: 'Plaid Test App',
    products: ['identity'],
    language: 'en',
    webhook: 'https://webhook.example.com',
    redirect_uri: 'https://domainname.com/oauth-page.html',
    country_codes: ['US'],
  };
  try {
    const createTokenResponse = await client.linkTokenCreate(linkTokenRequest);
    response.json(createTokenResponse.data);
  } catch (error) {
    // handle error
  }
});

```

```bash
curl -X POST https://sandbox.plaid.com/link/token/create \
-H 'Content-Type: application/json' \
-d '{
  "client_id": "${PLAID_CLIENT_ID}",
  "secret": "${PLAID_SECRET}",
  "client_name": "Plaid Test App",
  "user": { "client_user_id": "${UNIQUE_USER_ID}" },
  "products": ["identity"],
  "country_codes": ["US"],
  "language": "en",
  "webhook": "https://webhook.example.com",
  "redirect_uri": "https://domainname.com/oauth-page.html"
}'

```

```ruby
post '/api/create_link_token' do
  # Get the client_user_id by searching for the current user
  current_user = User.find(...)
  client_user_id = current_user.id

  # Create a link_token for the given user
  request = Plaid::LinkTokenCreateRequest.new(
    {
      user: { client_user_id: client_user_id },
      client_name: 'Plaid Test App',
      products: ['identity'],
      country_codes: ['US'],
      language: "en",
      redirect_uri: nil_if_empty_envvar('PLAID_REDIRECT_URI'),
      webhook: 'https://webhook.example.com'
    }
  )
  response = client.link_token_create(request)
  content_type :json
  response.to_json
end

```

```java
import com.plaid.client.model.Products;
import com.plaid.client.model.CountryCode;
import com.plaid.client.model.LinkTokenCreateRequest;
import com.plaid.client.model.LinkTokenCreateRequestUser;
import com.plaid.client.model.LinkTokenCreateResponse;

public class PlaidExample {

  ...
  static class GetLinkToken implements HttpHandler {
    private static PlaidApi plaidClient;

    public void handle(HttpExchange t) throws IOException {
      // Create your Plaid client
      HashMap apiKeys = new HashMap();
      apiKeys.put("clientId", CLIENT_ID);
      apiKeys.put("secret", SECRET);
      ApiClient apiClient = new ApiClient(apiKeys);
      apiClient.setPlaidAdapter(ApiClient.Sandbox);

      plaidClient = apiClient.createService(PlaidApi.class);

      // Get the clientUserId by searching for the current user
      User userFromDB = db.find(...);
      String clientUserId = userFromDB.id;
      LinkTokenCreateRequestUser user = new LinkTokenCreateRequestUser()
        .clientUserId(clientUserId);

      // Create a link_token for the given user
      LinkTokenCreateRequest request = new LinkTokenCreateRequest()
        .user(user)
        .clientName("Plaid Test App")
        .products(Arrays.asList(Products.fromValue("identity")))
        .countryCodes(Arrays.asList(CountryCode.US))
        .language("en")
        .redirectUri("https://domainname.com/oauth-page.html")
        .webhook("https://webhook.example.com");

      Response response = plaidClient
        .linkTokenCreate(request)
        .execute();

      // Send the data to the client
      return response.body();
    }
  }
}

```

```python
from plaid.model.link_token_create_request import LinkTokenCreateRequest
from plaid.model.link_token_create_request_user import LinkTokenCreateRequestUser
from plaid.model.products import Products
from plaid.model.country_code import CountryCode

@app.route("/create_link_token", methods=['POST'])
def create_link_token():
    # Get the client_user_id by searching for the current user
    user = User.find(...)
    client_user_id = user.id

    # Create a link_token for the given user
    request = LinkTokenCreateRequest(
            products=[Products("identity")],
            client_name="Plaid Test App",
            country_codes=[CountryCode('US')],
            redirect_uri='https://domainname.com/oauth-page.html',
            language='en',
            webhook='https://webhook.example.com',
            user=LinkTokenCreateRequestUser(
                client_user_id=client_user_id
            )
        )
    response = client.link_token_create(request)

    # Send the data to the client
    return jsonify(response.to_dict())


```

```go
func createLinkToken(c *gin.Context) {
  ctx := context.Background()

  // Get the client_user_id by searching for the current user
  user, _ := usermodels.Find(...)
  clientUserId := user.ID.String()

  // Create a link_token for the given user
  request := plaid.NewLinkTokenCreateRequest("Plaid Test App", "en", []plaid.CountryCode{plaid.COUNTRYCODE_US}, *plaid.NewLinkTokenCreateRequestUser(clientUserId))
  request.SetWebhook("https://webhook.sample.com")
  request.SetRedirectUri("https://domainname.com/oauth-page.html")
  request.SetProducts([]plaid.Products{plaid.PRODUCTS_IDENTITY})

  resp, _, err := testClient.PlaidApi.LinkTokenCreate(ctx).LinkTokenCreateRequest(*request).Execute()

  // Send the data to the client
  c.JSON(http.StatusOK, gin.H{
    "link_token": resp.GetLinkToken(),
  })
}


```

##### Install Link dependency 

index.html

```html
<head>
  <title>Connect a bank</title>
  <script src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"></script>
</head>
```

##### Configure the client-side Link handler 

app.js

```javascript
const linkHandler = Plaid.create({
  token: (await $.post('/create_link_token')).link_token,
  onSuccess: (public_token, metadata) => {
    // Send the public_token to your app server.
    $.post('/exchange_public_token', {
      public_token: public_token,
    });
  },
  onExit: (err, metadata) => {
    // Optionally capture when your user exited the Link flow.
    // Storing this information can be helpful for support.
  },
  onEvent: (eventName, metadata) => {
    // Optionally capture Link flow events, streamed through
    // this callback as your users connect an Item to Plaid.
  },
});

linkHandler.open();
```

#### Get a persistent access\_token 

Next, on the server side, we need to exchange our `public_token` for an `access_token` and `item_id`. The `access_token` will allow us to make authenticated calls to the Plaid API. Doing so is as easy as calling the [/item/public\_token/exchange](https://plaid.com/docs/api/items/index.html.md#itempublic_tokenexchange) endpoint from our server-side handler. We'll use the client library we configured earlier to make the API call.

Save the `access_token` and `item_id` in a secure datastore, as they're used to access `Item` data and identify `webhooks`, respectively. The `access_token` will remain valid unless you actively choose to expire it via rotation or remove the corresponding Item via [/item/remove](https://plaid.com/docs/api/items/index.html.md#itemremove) . The `access_token` should be stored securely, and never in client-side code. A `public_token` is a one-time use token with a lifetime of 30 minutes, so there is no need to store it.

```node
app.post('/api/exchange_public_token', async function (
  request,
  response,
  next,
) {
  const publicToken = request.body.public_token;
  try {
    const tokenResponse = await client.itemPublicTokenExchange({
      public_token: publicToken,
    });

    // These values should be saved to a persistent database and
    // associated with the currently signed-in user
    const accessToken = tokenResponse.data.access_token;
    const itemID = tokenResponse.data.item_id;

    response.json({ public_token_exchange: 'complete' });
  } catch (error) {
    // handle error
  }
});

```

```bash
curl -X POST https://sandbox.plaid.com/item/public_token/exchange \
-H 'Content-Type: application/json' \
-d '{
  "client_id": "${PLAID_CLIENT_ID}",
  "secret": "${PLAID_SECRET}",
  "public_token": "public-sandbox-12345678-abcd-1234-abcd-1234567890ab"
}'

```

```ruby
access_token = nil

post '/api/exchange_public_token' do
  request = Plaid::ItemPublicTokenExchangeRequest.new(
    {
      public_token: params["public_token"]
    }
  )
  response = client.item_public_token_exchange(request)

  # These values should be saved to a persistent database and
  # associated with the currently signed-in user
  access_token = response.access_token
  item_id = response.item_id

  content_type :json
  {public_token_exchange: "complete"}.to_json
end

```

```java
import com.plaid.client.model.ItemPublicTokenExchangeRequest;
import com.plaid.client.model.ItemPublicTokenExchangeResponse;

public class PlaidExample {

  ...
  static class GetAccessToken implements HttpHandler {
    private static PlaidClient plaidClient;

    private String publicToken;
    private String accessToken;
    private String itemId;

    public void handle(HttpExchange t) throws IOException {
      // Simplified pseudo-code for obtaining public_token
      InputStream is = t.getRequestBody();
      publicToken = is.publicToken();

      // Create your Plaid client
      HashMap apiKeys = new HashMap();
      apiKeys.put("clientId", CLIENT_ID);
      apiKeys.put("secret", SECRET);
      apiKeys.put("plaidVersion", "2020-09-14");
      apiClient = new ApiClient(apiKeys);
      apiClient.setPlaidAdapter(ApiClient.Sandbox);

      plaidClient = apiClient.createService(PlaidApi.class);

      // Exchange public_token for an access_token
      ItemPublicTokenExchangeRequest request = new ItemPublicTokenExchangeRequest()
        .publicToken(publicToken);

      Response response = plaidClient
        .itemPublicTokenExchange(request)
        .execute();

      // These values should be saved to a persistent database and
      // associated with the currently signed-in user
      accessToken = response.body().getAccessToken();
      itemId      = response.body().getItemId();

      String message = "{\"public_token_exchange\": \"complete\"}";
      return Response
        .status(Response.Status.OK)
        .entity(message)
        .type(MediaType.APPLICATION_JSON)
      }
  }
}

```

```python
access_token = None
item_id = None

@app.route('/exchange_public_token', methods=['POST'])
def exchange_public_token():
    global access_token
    public_token = request.form['public_token']
    request = ItemPublicTokenExchangeRequest(
      public_token=public_token
    )
    response = client.item_public_token_exchange(request)

    # These values should be saved to a persistent database and
    # associated with the currently signed-in user
    access_token = response['access_token']
    item_id = response['item_id']

    return jsonify({'public_token_exchange': 'complete'})

```

```go
func getAccessToken(c *gin.Context) {
  ctx := context.Background()
  publicToken := c.PostForm("public_token")

  // exchange the public_token for an access_token
  exchangePublicTokenReq := plaid.NewItemPublicTokenExchangeRequest(publicToken)
    exchangePublicTokenResp, _, err := client.PlaidApi.ItemPublicTokenExchange(ctx).ItemPublicTokenExchangeRequest(
        *exchangePublicTokenReq,
    ).Execute()

  // These values should be saved to a persistent database and
  // associated with the currently signed-in user
  accessToken := exchangePublicTokenResp.GetAccessToken()
  itemID := exchangePublicTokenResp.GetItemId()

  c.JSON(http.StatusOK, gin.H{"public_token_exchange": "complete"})
}



```

Now that the authentication step is out of the way, we can begin using authenticated endpoints from the Plaid API.

#### Matching Identity data 

To match Identity data, call [/identity/match](https://plaid.com/docs/api/products/identity/index.html.md#identitymatch) .

If you are using [Identity Verification](https://plaid.com/docs/api/products/identity-verification/index.html.md) , you can automatically match data from the linked account against data collected during the Identity Verification flow. To enable this setting, from the Identity Verification section of the Dashboard, access the template editor and on the "Setup" pane of the template, check the box under the "Financial Account Matching" header. If this option is selected, you should call [/identity/match](https://plaid.com/docs/api/products/identity/index.html.md#identitymatch) with only an `access_token` to obtain match scores.

If you are not using [Identity Verification](https://plaid.com/docs/api/products/identity-verification/index.html.md) , you will need to send the identity information that you have on file and would like to match against, such as name, phone number, and address, as part of your call to [/identity/match](https://plaid.com/docs/api/products/identity/index.html.md#identitymatch) .

```ruby
# Omit user object if using identity verification / financial account matching
user = Plaid::IdentityMatchUser.new(
  legal_name: 'Jane Smith',
  phone_number: '+14155552671',
  email_address: 'jane.smith@example.com',
  address: Plaid::AddressDataNullableNoRequiredFields.new(
    street: '500 Market St',
    city: 'San Francisco',
    region: 'CA',
    postal_code: '94105',
    country: 'US'
  )
)

request = Plaid::IdentityMatchRequest.new(
  access_token: access_token,
  user: user
)

response = client.identity_match(request)
accounts = response.accounts

accounts.map do |account|
  name_score = account.legal_name&.score
  phone_score = account.phone_number&.score
  email_score = account.email_address&.score
  address_score = account.address&.score
end


```

```bash
curl -X POST https://sandbox.plaid.com/identity/match \
-H 'Content-Type: application/json' \
-d '{
   "client_id": "${PLAID_CLIENT_ID}",
   "secret": "${PLAID_SECRET}",
   "access_token": String,
   "user": {
       "phone_number": String,
       "legal_name": String,
       "email_address": String,
       "address": {
           "street": String,
           "region": String,
           "country": String,
           "city": String,
           "postal_code": String
       }
    }
}'


```

```node
const request = {
  access_token: accessToken,
  // Omit user object if using Identity Verification / Financial Account Matching
  user: {
    legal_name: 'Jane Smith',
    phone_number: '+14155552671',
    email_address: 'jane.smith@example.com',
    address: {
      street: '500 Market St',
      city: 'San Francisco',
      region: 'CA',
      postal_code: '94105',
      country: 'US',
    },
  },
};

try {
  const response = await plaidClient.identityMatch(request);
  const accounts = response.data.accounts;
  for (const account of accounts) {
    const legalNameScore = account.legal_name?.score;
    const phoneScore = account.phone_number?.score;
    const emailScore = account.email_address?.score;
    const addressScore = account.address?.score;
  }
} catch (error) {
  // handle error
}


```

```java
// Match identity provided by client against bank/account identity

// Omit user object if using Identity Verification / Financial Account Matching
IdentityMatchUser user = new IdentityMatchUser()
    .legalName("Jane Smith")
    .phoneNumber("+14155552671")
    .emailAddress("jane.smith@example.com")
    .address(new AddressDataNullableNoRequiredFields()
        .street("500 Market St")
        .city("San Francisco")
        .region("CA")
        .postalCode("94105")
        .country("US"));

IdentityMatchRequest request = new IdentityMatchRequest()
    .accessToken(accessToken)
    .user(user);

Response response = plaidClient.service().identityMatch(request).execute();

List accounts = response.body().getAccounts();

for (IdentityMatchResponse.AccountIdentityMatchScores account : accounts) {
  Integer legalNameScore = account.getLegalName() != null ? account.getLegalName().getScore() : null;
  Integer phoneNumberScore = account.getPhoneNumber() != null ? account.getPhoneNumber().getScore() : null;
  Integer emailAddressScore = account.getEmailAddress() != null ? account.getEmailAddress().getScore() : null;
  Integer addressScore = account.getAddress() != null ? account.getAddress().getScore() : null;

  // Compare scores to risk thresholds
}

```

```python
# Omit user object if using Identity Verification / Financial Account Matching
user = IdentityMatchUser(
    legal_name="Jane Smith",
    phone_number="+14155552671",
    email_address="jane.smith@example.com",
    address=AddressDataNullableNoRequiredFields(
        street="500 Market St",
        city="San Francisco",
        region="CA",
        postal_code="94105",
        country="US"
    )
)

request = IdentityMatchRequest(
    access_token=access_token,
    user=user
)

response = client.identity_match(request)
accounts = response['accounts']

for account in accounts:
    name_score = account['legal_name']['score'] if account['legal_name'] is not None else None
    phone_score = account['phone_number']['score'] if account['phone_number'] is not None else None
    email_score = account['email_address']['score'] if account['email_address'] is not None else None
    address_score = account['address']['score'] if account['address'] is not None else None


```

```go
// Omit user object if using Identity Verification / Financial Account Matching
user := plaid.IdentityMatchUser{}
user.SetLegalName("Jane Smith")
user.SetPhoneNumber("+14155552671")
user.SetEmailAddress("jane.smith@example.com")

address := plaid.AddressDataNullableNoRequiredFields{}
address.SetStreet("500 Market St")
address.SetCity("San Francisco")
address.SetRegion("CA")
address.SetPostalCode("94105")
address.SetCountry("US")
user.SetAddress(address)

request := plaid.NewIdentityMatchRequest(accessToken)
request.SetUser(user)

response, _, err := client.PlaidApi.IdentityMatch(ctx).IdentityMatchRequest(*request).Execute()
if err != nil {
    log.Fatal(err)
}

accounts := response.GetAccounts()
for _, account := range accounts {
    if legalName, ok := account.GetLegalNameOk(); ok {
        legalNameScore := legalName.GetScore()
        _ = legalNameScore
    }
    if phoneNumber, ok := account.GetPhoneNumberOk(); ok {
        phoneScore := phoneNumber.GetScore()
        _ = phoneScore
    }
    if emailAddress, ok := account.GetEmailAddressOk(); ok {
        emailScore := emailAddress.GetScore()
        _ = emailScore
    }
    if address, ok := account.GetAddressOk(); ok {
        addressScore := address.GetScore()
        _ = addressScore
    }
}

```

The call to [/identity/match](https://plaid.com/docs/api/products/identity/index.html.md#identitymatch) will return a match score for each field that was evaluated. Typically, your threshold to accept the field as a match should be set to at least 70. For more details, see the [match score table](https://plaid.com/docs/identity/index.html.md#sample-identity-match-data) .

Identity Match sample response

```json
{
  "accounts": [
    {
      "account_id": "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp",
      "balances": {
        "available": null,
        "current": null,
        "iso_currency_code": null,
        "limit": null,
        "unofficial_currency_code": null
      },
      "mask": "0000",
      "name": "Plaid Checking",
      "official_name": "Plaid Gold Standard 0% Interest Checking",
      "legal_name": {
        "score": 90,
        "is_nickname_match": true,
        "is_first_name_or_last_name_match": true,
        "is_business_name_detected": false
      },
      "phone_number": {
        "score": 100
      },
      "email_address": {
        "score": 100
      },
      "address": {
        "score": 100,
        "is_postal_code_match": true
      },
      "subtype": "checking",
      "type": "depository"
    },
    {
      "account_id": "3gE5gnRzNyfXpBK5wEEKcymJ5albGVUqg77gr",
      "balances": {
        "available": null,
        "current": null,
        "iso_currency_code": null,
        "limit": null,
        "unofficial_currency_code": null
      },
      "mask": "1111",
      "name": "Plaid Saving",
      "official_name": "Plaid Silver Standard 0.1% Interest Saving",
      "legal_name": {
        "score": 30,
        "is_first_name_or_last_name_match": false
      },
      "phone_number": {
        "score": 100
      },
      "email_address": null,
      "address": {
        "score": 100,
        "is_postal_code_match": true
      },
      "subtype": "savings",
      "type": "depository"
    }
  ],
  ...
}
```

#### Fetching Identity data 

If you are not using Identity Match, call [/identity/get](https://plaid.com/docs/api/products/identity/index.html.md#identityget) to obtain Identity data. You will need to implement your own matching algorithm to determine whether the data returned matches the information that you have on file about the user. For more detailed information on the schema returned, see [/identity/get](https://plaid.com/docs/api/products/identity/index.html.md#identityget) .

```ruby
require 'plaid'

# pull identity data for an item
request = Plaid::IdentityGetRequest.new({ access_token: access_token })
response = client.identity_get(request)
accounts = response.accounts
identities = accounts.map { |account| account.owners }.flatten

```

```bash
curl -X POST https://sandbox.plaid.com/identity/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": "${PLAID_CLIENT_ID}",
  "secret": "${PLAID_SECRET}",
  "access_token": String
}'

```

```node
const { IdentityGetRequest } = require('plaid');

// Pull Identity data for an Item
const request: IdentityGetRequest = {
  access_token: accessToken,
};
try {
  const response = await plaidClient.identityGet(request);
  const identities = response.data.accounts.flatMap(
    (account) => account.owners,
  );
} catch (error) {
  // handle error
}

```

```java
import com.plaid.client.model.IdentityGetResponse;

// Pull Identity data for an Item

// Java 7
List accounts = response.body().getAccounts();
List identities = new ArrayList<>();
for (IdentityGetResponse.AccountWithOwners account : accounts) {
  identities.addAll(account.getOwners());
}

// Java 8 and above
List accounts = response.body().getAccounts();
List identities = accounts.stream()
  .flatMap(account -> account.getOwners().stream())
  .collect(Collectors.toList());

```

```python
import plaid
from plaid.model.identity_get_request import IdentityGetRequest

# pull identity data for an item
request = IdentityGetRequest(access_token=access_token)
response = client.identity_get(request)
accounts = response['accounts']
identities = []
for account in accounts:
    identities.extend(account['owners'])

```

```go
import (
    "context"

    "github.com/plaid/plaid-go/v42/plaid"
)

identityGetResp, _, err := client.PlaidApi.IdentityGet(ctx).IdentityGetRequest(
  *plaid.NewIdentityGetRequest(accessToken),
).Execute()

accounts := identityGetResp.GetAccounts()

```

Example response data is below.

Identity sample data

```json
{
  "accounts": [
    {
      "account_id": "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp",
      "balances": {
        "available": 100,
        "current": 110,
        "iso_currency_code": "USD",
        "limit": null,
        "unofficial_currency_code": null
      },
      "mask": "0000",
      "name": "Plaid Checking",
      "official_name": "Plaid Gold Standard 0% Interest Checking",
      "owners": [
        {
          "addresses": [
            {
              "data": {
                "city": "Malakoff",
                "country": "US",
                "postal_code": "14236",
                "region": "NY",
                "street": "2992 Cameron Road"
              },
              "primary": true
            },
            {
              "data": {
                "city": "San Matias",
                "country": "US",
                "postal_code": "93405-2255",
                "region": "CA",
                "street": "2493 Leisure Lane"
              },
              "primary": false
            }
          ],
          "emails": [
            {
              "data": "accountholder0@example.com",
              "primary": true,
              "type": "primary"
            },
            {
              "data": "accountholder1@example.com",
              "primary": false,
              "type": "secondary"
            }
          ],
          "names": ["Alberta Bobbeth Charleson"],
          "phone_numbers": [
            {
              "data": "1112223333",
              "primary": false,
              "type": "home"
            },
            {
              "data": "1112224444",
              "primary": false,
              "type": "work"
            },
            {
              "data": "1112225555",
              "primary": false,
              "type": "mobile1"
            }
          ]
        }
      ],
      "subtype": "checking",
      "type": "depository"
    }
  ],
  "item": {
    "available_products": ["balance", "credit_details", "investments"],
    "billed_products": [
      "assets",
      "auth",
      "identity",
      "liabilities",
      "transactions"
    ],
    "consent_expiration_time": null,
    "error": null,
    "institution_id": "ins_3",
    "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
    "webhook": "https://www.genericwebhookurl.com/webhook"
  },
  "request_id": "3nARps6TOYtbACO"
}
```

#### Tutorial and example code in Plaid Pattern 

For a real-life example of an app that incorporates Identity, see the Node-based [Plaid Pattern Account Funding](https://github.com/plaid/pattern-account-funding) sample app. Pattern Account Funding is a sample account funding app that fetches Identity data in order to verify identity prior to a funds transfer. The Identity code can be found in [items.js](https://github.com/plaid/pattern-account-funding/blob/master/server/routes/items.js#L81-L116) .

For a tutorial walkthrough of creating a similar app, see [Account funding tutorial](https://github.com/plaid/account-funding-tutorial) .