effects25
Our latest product updates
Meet Plaid's next-gen tools to tackle fraud, improve credit decisions, and help you grow
Dive into 20+ product updates announced at Effects
Introducing Plaid Protect
The first solution to combine thousands of data signals, investigation, and rule-building—all in one place.
New tools to tackle GenAI fraud
Make it even harder for fraudsters to bypass identity verification with new security features in Plaid Identity Verification (IDV)—no additional integration required.
Learn moreEnhance deepfake and synthetic detection
Even unsophisticated fraudsters can fake ID checks with the help of AI. Our models can help catch deepfake videos, synthetic documents, and spoofing attempts in real time.
Detect duplicate faces to catch repeat fraud
Plaid IDV now catalogs every ID portrait and liveness frame to detect facial duplicates within your org—blocking reused faces across verification attempts, and making it much harder for deepfake attempts.
Offer smarter, more personalized user flows
Dynamically step up users during verification based on their holistic risk level - examining any information you have collected up until that point of time. You can easily apply friction to only the highest risk users.
Estimate a user's age during verification
Our ML model now estimates facial age from ID portraits and liveness sessions—flagging mismatches against declared age and authoritative data to block identities that don’t add up.
customer story
How Zip streamlined fraud ops—without slowing customers
Reclaiming time and impressing customers rarely go hand-in-hand, but Zip made it look easy. See how they automated AML compliance and supported 8 million customers along the way.
Read the storyDeep Dive: See Plaid Protect in action
Take a closer look at the data powering Plaid Protect’s fraud model, and learn how to integrate with the Protect SDK.
Watch nowA partner ecosystem designed to make cash flow data accessible at scale
Supporting the lender loan lifecycle with cash flow data
From pre-qualification to decisioning, our solution helps you seamlessly embed cash flow data and insights to improve underwriting, while managing risk—all without added friction.
Learn moreSupporting the lender loan lifecycle with cash flow data
From pre-qualification to decisioning, our solution helps you seamlessly embed cash flow data and insights to improve underwriting, while managing risk—all without added friction.
Learn morefireside chat
Reinventing the homeownership experience
AI is changing how every industry works—especially mortgage lending. Hear how Rocket is reimagining homeownership by combining data, automation, and smarter decisioning at scale.
Watch nowDeep Dive: Smarter lending with cash flow insights
Experian and Plaid experts discuss how lenders are using alternative cash flow data—what’s working, what’s changing, and how to get started.
Watch nowArtificial Intelligence
Speed up your integrations with AI tools
Build tailored agents on OpenAI
Plaid’s MCP Server is now available via OpenAI’s API so your agents can access up-to-date developer data to build smarter internal tools and reduce dashboard reliance.
Learn to deploy smart agentsAnalyze your integration—just ask Claude
Use Anthropic’s Claude to monitor usage, improve conversion, and troubleshoot issues. Powered by Plaid’s new MCP Server.
Chat with Claude
Get faster fixes and better data—thanks to AI tools
From improving transaction categorization to reducing downtime, see how Plaid is deploying AI Agents in our product suite.
Learn how Plaid uses AIBuild faster with AI coding tools and Plaid's MCP
Get your Plaid integration up and running faster with a development toolkit for AI coding tools, including prompts, sandbox data, and the MCP Server.
See how to build faster
Deep Dive: AI tools to build faster with Plaid
Learn how to build integrations faster with Plaid’s Sandbox MCP server, and explore our latest AI integration guides.
Watch nowpayments
Power modern bank payments
Now live: Instant bank pay-ins with Plaid Instant Payments
Plaid now enables real-time, authenticated bank payments through Request for Payment (RfP)—pairing trusted account linking and high-converting UX with faster settlement, lower costs, and a smoother checkout.
Learn moreNow live: Instant bank pay-ins with Plaid Instant Payments
Plaid now enables real-time, authenticated bank payments through Request for Payment (RfP)—pairing trusted account linking and high-converting UX with faster settlement, lower costs, and a smoother checkout.
Learn morecustomer story
Transforming the cross-border payment experience
Easy bank linking. Faster funding. Stronger security. Hear how MoneyGram CEO Anthony Soohoo is thinking about seamless transactions in the cross-border landscape.
Read the storyfinancial management
Power the next generation of business financial tools
customer story
How Brex lends smarter with live cash flow data
Brex believes in helping customers spend smarter and move faster. Learn how they use live bank connections to accurately assess financial health and offer credit to a broader range of companies.
Read the storyonboarding
Convert more users, weed out bad actors
Smarter Link updates that boost conversion
We’re continuously improving Link to proactively block fraud attempts with built-in security and anti-abuse measures.
Learn moreSmarter Link updates that boost conversion
We’re continuously improving Link to proactively block fraud attempts with built-in security and anti-abuse measures.
Learn moreCUSTOMER Q&A
How PredictionStrike streamlined onboarding and slashed fraud with Plaid
A conversation with Deven Hurt, Co-founder and CEO of PredictionStrike.
Read the storyAdditional platform updates
We’re shipping updates behind the scenes—so your product scales faster without extra lift.
Upgraded access management in Dashboard
New tools like SSO, SAML, and SCIM make managing access easier and more secure.
Learn about new security toolsImproved UX for European users
New returning-user features in Europe are reducing friction and boosting conversion by up to 11%.
Learn how EU conversion roseContinuous investments in reliable connectivity
We’re strengthening infrastructure to improve connection quality and keep data flowing reliably.
Learn how we stay reliable
Deep Dive: Level up your integration with Plaid
Learn how to get more from your Plaid integration using new Dashboard tools to track migration status and improve Link conversion rates.
Watch now