Welcome to the Docs 
====================

#### Here you'll find guides, resources, and references to build with Plaid. 

(An image of "Decorative image of a Abe Lincoln enjoying an energy drink")

#### Quickstart 

Learn about Plaid's key concepts and run starter code

[Get started](https://plaid.com/docs/quickstart/index.html.md)

#### API Reference 

Explore server-side API libraries and integrate with API endpoints

[View reference](https://plaid.com/docs/api/index.html.md)

#### Link 

Link, Plaid's client-side component, helps your users connect their accounts

[Build with Link](https://plaid.com/docs/link/index.html.md)

#### Payments and Funding 

#### Auth 

[Retrieve bank account information for ACH, wire, and other bank-to-bank transfers.](https://plaid.com/docs/auth/index.html.md)

#### Balance 

[Retrieve real-time balance information to prevent ACH returns.](https://plaid.com/docs/balance/index.html.md)

#### Identity 

[Verify users' financial account ownership and reduce fraud.](https://plaid.com/docs/identity/index.html.md)

#### Signal Transaction Scores 

[Reduce fraud and provide instant funds access by assessing the return risk of an ACH debit transaction.](https://plaid.com/docs/signal/index.html.md)

#### Transfer 

[Send and receive money end to end with Plaid.](https://plaid.com/docs/transfer/index.html.md)

#### Investments Move 

[Get verified data for initiating an ACATS or ATON brokerage-to-brokerage transfer.](https://plaid.com/docs/investments-move/index.html.md)

#### Payments (Europe) 

[Make one-time payments, recurring payments, or payouts within your app.](https://plaid.com/docs/payment-initiation/index.html.md)

#### Financial Insights 

#### Transactions 

[Retrieve transaction data for budgeting tools, expense management, and more.](https://plaid.com/docs/transactions/index.html.md)

#### Investments 

[View holdings and transactions from investment accounts.](https://plaid.com/docs/investments/index.html.md)

#### Liabilities 

[Access loan data, like balances and interest rates, for student loans, mortgages, and credit cards.](https://plaid.com/docs/liabilities/index.html.md)

#### Enrich 

[Add detailed information and insights to your existing transactions data.](https://plaid.com/docs/enrich/index.html.md)

#### KYC, AML, and anti-fraud 

#### Identity Verification 

[Global KYC compliance and anti-fraud. Verify user identity data and documents.](https://plaid.com/docs/identity-verification/index.html.md)

#### Monitor 

[Use with Identity Verification to enable sanction, PEP, and watchlist screening for anti-money laundering compliance.](https://plaid.com/docs/monitor/index.html.md)

#### Protect 

[Prevent fraud before it happens — at every step of the user lifecycle.](https://plaid.com/docs/protect/index.html.md)

#### Credit and Underwriting 

#### Consumer Report (by Plaid Check) 

[Make smarter credit and lending decisions with insights powered by Plaid Check.](https://plaid.com/docs/check/index.html.md)

#### Assets 

[Access users' financial information for loan underwriting.](https://plaid.com/docs/assets/index.html.md)

#### Statements 

[Get PDF statements directly from the user's bank, for underwriting verification and compliance.](https://plaid.com/docs/statements/index.html.md)

#### Income 

[Verify income and employment, for lending use cases and more.](https://plaid.com/docs/income/index.html.md)

#### Instant Onboarding 

#### Layer 

[Onboard users instantly with just a phone number.](https://plaid.com/docs/layer/index.html.md)