ai companies
The platform for building trusted AI experiences
Deliver accurate insights, verify who’s real, and move money safely with user-permissioned financial data.
What AI companies can do with Plaid
Understand financial context
Give your AI accurate, up-to-date financial context using live balances, transactions, and account data so responses stay relevant.
Verify identity and access
Only let real people and businesses take action. Verify identity and access to keep AI workflows secure and compliant.
Run agentic commerce
Offer more ways to pay with secure bank transfers, while optimizing payment costs for agentic commerce and wallet funding.
400+ AIcompanies
already building with Plaid
12,000+ banks
and financial institutions on Plaid
1 in 2 U.S.adults
with a bank account use Plaid
10 seconds
to verify a user’s identity
Give AI the context it needs
See the full financial picture based on user-permissioned data, so guidance is based on real accounts and activity.
Work with up to 24 months of transaction history that updates continuously
Access a wide range of account types, including checking, savings, credit, loans, and investments
Uncover spending patterns, subscriptions, and cash flow trends
Give AI the context it needs
See the full financial picture based on user-permissioned data, so guidance is based on real accounts and activity.
Work with up to 24 months of transaction history that updates continuously
Access a wide range of account types, including checking, savings, credit, loans, and investments
Uncover spending patterns, subscriptions, and cash flow trends
Know who’s on your platform
Stay confident in who’s using your platform, even as actions become automated or agent-driven.
Check users and businesses at onboarding
Grant access only after document checks, liveness detection, and age verification confirm who’s real.
Spot bots, deepfakes, and risky behavior
Protect AI workflows as they run with device, network, and behavioral signals.
Verify users as a part of Know Your Agent
Base agent permissions and limits on verified human and business identities.
Know who’s on your platform
Stay confident in who’s using your platform, even as actions become automated or agent-driven.
Check users and businesses at onboarding
Grant access only after document checks, liveness detection, and age verification confirm who’s real.
Spot bots, deepfakes, and risky behavior
Protect AI workflows as they run with device, network, and behavioral signals.
Verify users as a part of Know Your Agent
Base agent permissions and limits on verified human and business identities.
Move money in AI workflows
Enable secure, lower-cost payments across agentic commerce—giving people and businesses more ways to pay than credit cards.
Offer pay-by-bank in agentic checkout
Let users pay from their bank account, with ownership, risk, and balances confirmed before funds move.
Fund wallets for agentic commerce
Support wallet funding from verified bank accounts with live balance checks to enable repeat purchases.
Move money in AI workflows
Enable secure, lower-cost payments across agentic commerce—giving people and businesses more ways to pay than credit cards.
Offer pay-by-bank in agentic checkout
Let users pay from their bank account, with ownership, risk, and balances confirmed before funds move.
Fund wallets for agentic commerce
Support wallet funding from verified bank accounts with live balance checks to enable repeat purchases.
MCP INTEGRATIONS
Built into leading platforms
How AI teams use Plaid
Foundation model companies
Ground AI responses in user-permissioned real-time financial data and verified identity.
Agentic commerce platforms
Verify users and fund wallets so agents can act within clear financial guardrails.
AI coding tools
Support billing and monetization with verified bank accounts and trusted financial data.
AI marketplaces
Verify identity and ownership across buyers, sellers, and creators at scale.
Enterprise AI tools
Support AI-powered workflows for any use case with trusted identity and financial signals.
AI-native startups
Build with verified identity and financial data—ready for production when you are.
Your questions, answered
Reach out if we didn’t answer yours.
What is agentic commerce?
Agentic commerce is commerce initiated and coordinated by AI agents on a user’s behalf. An agent can discover options, make selections, and initiate purchases within user-defined permissions.
What is an AI agent for personal finance?
An AI agent for personal finance is software that helps users manage money using real financial data. It can answer questions, surface insights, and automate tasks based on a user’s actual financial situation.
What does Know Your Agent (KYA) mean?
Know Your Agent (KYA) refers to verifying the real person or business behind an AI agent. It helps platforms tie agent actions to accountable, trusted identities.
How does Plaid support Know Your Agent (KYA) workflows?
Plaid supports KYA by verifying real people and businesses through KYC. Platforms can use these verified identities as a foundation for their own KYA workflows as agent-based experiences evolve.
How does Plaid enable secure payments and wallet funding?
Plaid enables secure payments and wallet funding for AI platforms by verifying account ownership, checking balances in real time, and assessing fraud risk before payments are initiated or wallets are funded.
What’s the difference between agentic commerce and AI-assisted checkout?
The difference between agentic commerce and AI-assisted checkout is autonomy. AI-assisted checkout requires human confirmation, while agentic commerce allows agents to initiate actions within defined rules and safeguards.
How does Plaid share user-permissioned financial data with AI platforms?
Plaid shares financial data based on user consent. An app's use of data, including by AI, is determined by the app or developer and is subject to their terms of use.
How does Plaid work with leading AI model providers?
Plaid works with leading AI model providers through integrations like MCP servers. These include providers such as OpenAI, Anthropic, and Mistral to bring trusted financial data into AI experiences.
What types of AI companies use Plaid?
The types of AI companies that use Plaid include consumer chat apps, agent platforms, enterprise AI tools, and developer products. Plaid supports both early-stage startups and scaled AI platforms.
