# Plaid > Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services. ## Reach more customers worldwide with over 95% bank coverage and localized support across 20 countries ## Documentation: Index.html - [Home | Plaid Docs](https://plaid.com/docs/index.html.md): Plaid developer documentation home. Here you'll find guides, resources, and references you can use to build with Plaid ## Documentation: Account - [Account - Activity, logs, and status | Plaid Docs](https://plaid.com/docs/account/activity/index.html.md): Information on the Plaid Dashboard institution status and account activity - [Account - Pricing and billing | Plaid Docs](https://plaid.com/docs/account/billing/index.html.md): Learn about our one-time, subscription, and per-request flat fee pricing models. Learn which Plaid products fall under each pricing model - [Account - Overview | Plaid Docs](https://plaid.com/docs/account/index.html.md): Learn about your Plaid developer account - [Account - For resellers | Plaid Docs](https://plaid.com/docs/account/resellers/index.html.md): Learn how to create and manage your customers as a Plaid reseller partner - [Account - Security | Plaid Docs](https://plaid.com/docs/account/security/index.html.md): Learn about resetting passwords, account management, two-factor authentication, and key rotations to protect your developer account and keep your keys safe. - [Account - Teams | Plaid Docs](https://plaid.com/docs/account/teams/index.html.md): Learn about Plaid teams, which let you manage memberships and permissions to effectively collaborate across different teams and companies. ## Documentation: Api - [API - Accounts | Plaid Docs](https://plaid.com/docs/api/accounts/index.html.md): API reference for retrieving account information and seeing all possible account types and subtypes - [API - Consent | Plaid Docs](https://plaid.com/docs/api/consent/index.html.md): API reference for managing consent - [API - Overview | Plaid Docs](https://plaid.com/docs/api/index.html.md): Comprehensive reference for integrating with Plaid API endpoints - [API - Items | Plaid Docs](https://plaid.com/docs/api/items/index.html.md): API reference for managing Items. Items, created with Link, enable access to Plaid products. - [API - Look up Dashboard users | Plaid Docs](https://plaid.com/docs/api/kyc-aml-users/index.html.md): API reference for viewing Dashboard users for Monitor and Beacon - [API - Libraries | Plaid Docs](https://plaid.com/docs/api/libraries/index.html.md): Learn about libraries and SDKs to easily integrate with the Plaid APIs - [API - Link | Plaid Docs](https://plaid.com/docs/api/link/index.html.md): API reference for Link tokens and Link webhooks - [API - Network | Plaid Docs](https://plaid.com/docs/api/network/index.html.md): API reference for Plaid Network, which powers the returning user experience for streamlined onboarding. - [API - OAuth | Plaid Docs](https://plaid.com/docs/api/oauth/index.html.md): API reference for Plaid OAuth endpoints - [API - Reseller partners | Plaid Docs](https://plaid.com/docs/api/partner/index.html.md): API reference for Reseller Partner endpoints and webhooks used to manage reseller partner end customers. - [API - Postman Collection | Plaid Docs](https://plaid.com/docs/api/postman/index.html.md): Learn more about the Plaid Postman Collection, which allows you to send API requests without code - [API - Processor partners | Plaid Docs](https://plaid.com/docs/api/processor-partners/index.html.md): API reference for endpoints for use by Plaid partners - [API - Processor tokens | Plaid Docs](https://plaid.com/docs/api/processors/index.html.md): API reference for endpoints for use with Plaid partners - [API - Assets | Plaid Docs](https://plaid.com/docs/api/products/assets/index.html.md): API reference for endpoints and webhooks associated with the Plaid Assets product. - [API - Auth | Plaid Docs](https://plaid.com/docs/api/products/auth/index.html.md): API reference for endpoints and webhooks associated with the Plaid Auth product. - [API - Balance | Plaid Docs](https://plaid.com/docs/api/products/balance/index.html.md): API reference for endpoints and webhooks associated with the Plaid Balance product. - [API - Beacon (beta) | Plaid Docs](https://plaid.com/docs/api/products/beacon/index.html.md): API reference for endpoints and webhooks associated with the Plaid Beacon product. - [API - Consumer Report (by Plaid Check) | Plaid Docs](https://plaid.com/docs/api/products/check/index.html.md): API reference for endpoints and webhooks associated with Plaid Check. - [API - Enrich | Plaid Docs](https://plaid.com/docs/api/products/enrich/index.html.md): API reference for endpoints and webhooks associated with the Plaid Enrich product. - [API - Identity Verification | Plaid Docs](https://plaid.com/docs/api/products/identity-verification/index.html.md): API reference for endpoints and webhooks associated with the Plaid Identity Verification product. - [API - Identity | Plaid Docs](https://plaid.com/docs/api/products/identity/index.html.md): API reference for endpoints and webhooks associated with the Plaid Identity product. - [API - Income | Plaid Docs](https://plaid.com/docs/api/products/income/index.html.md): API reference for endpoints and webhooks associated with the Plaid Income product. - [API - Investments Move | Plaid Docs](https://plaid.com/docs/api/products/investments-move/index.html.md): API reference for endpoints and webhooks associated with the Plaid Investments Move product. - [API - Investments | Plaid Docs](https://plaid.com/docs/api/products/investments/index.html.md): API reference for endpoints and webhooks associated with the Plaid Investments product. - [API - Layer | Plaid Docs](https://plaid.com/docs/api/products/layer/index.html.md): API reference for endpoints associated with the Plaid Layer product. - [API - Liabilities | Plaid Docs](https://plaid.com/docs/api/products/liabilities/index.html.md): API reference for endpoints and webhooks associated with the Plaid Liabilities product. - [API - Monitor | Plaid Docs](https://plaid.com/docs/api/products/monitor/index.html.md): API reference for endpoints and webhooks associated with the Plaid Monitor product. - [API - Payment Initiation (Europe) | Plaid Docs](https://plaid.com/docs/api/products/payment-initiation/index.html.md): API reference for endpoints and webhooks associated with the Plaid Payment Initiation product. - [API - Protect | Plaid Docs](https://plaid.com/docs/api/products/protect/index.html.md): API reference for endpoints associated with the Plaid Protect product. - [API - Signal | Plaid Docs](https://plaid.com/docs/api/products/signal/index.html.md): API reference for Signal endpoints - [API - Statements | Plaid Docs](https://plaid.com/docs/api/products/statements/index.html.md): API reference for endpoints and webhooks associated with the Plaid Statements product. - [API - Transactions | Plaid Docs](https://plaid.com/docs/api/products/transactions/index.html.md): API reference for endpoints and webhooks associated with the Plaid Transactions product. - [API - Account Linking | Plaid Docs](https://plaid.com/docs/api/products/transfer/account-linking/index.html.md): API reference for endpoints to link accounts for the Transfer product. - [API - Transfer | Plaid Docs](https://plaid.com/docs/api/products/transfer/index.html.md): API reference for endpoints and webhooks to read Plaid transfers and transfer events. - [API - Initiating Transfers | Plaid Docs](https://plaid.com/docs/api/products/transfer/initiating-transfers/index.html.md): API reference for endpoints to create transfers with the Plaid Transfer product. - [API - Plaid Ledger | Plaid Docs](https://plaid.com/docs/api/products/transfer/ledger/index.html.md): API reference for endpoints to manage your Plaid Ledger - [API - Program Metrics | Plaid Docs](https://plaid.com/docs/api/products/transfer/metrics/index.html.md): API reference for endpoints to view your Transfer configuration and usage - [API - Platform Payments | Plaid Docs](https://plaid.com/docs/api/products/transfer/platform-payments/index.html.md): API reference for endpoints and webhooks associated with the Plaid Transfer Platform Payments product. - [API - Reading Transfers | Plaid Docs](https://plaid.com/docs/api/products/transfer/reading-transfers/index.html.md): API reference for endpoints and webhooks to read Plaid transfers and transfer events. - [API - Recurring Transfers | Plaid Docs](https://plaid.com/docs/api/products/transfer/recurring-transfers/index.html.md): API reference for endpoints and webhooks to create and manage recurring transfers. - [API - Refunds | Plaid Docs](https://plaid.com/docs/api/products/transfer/refunds/index.html.md): API reference for endpoints to create and manage transfer refunds. - [API - Virtual Accounts | Plaid Docs](https://plaid.com/docs/api/products/virtual-accounts/index.html.md): API reference for endpoints and webhooks associated with the Plaid Virtual Accounts product. - [API - Sandbox | Plaid Docs](https://plaid.com/docs/api/sandbox/index.html.md): API reference for Plaid's Sandbox endpoints. Use these endpoints to configure testing scenarios, create sample webhooks, and more. - [API - Users | Plaid Docs](https://plaid.com/docs/api/users/index.html.md): API reference for Users - [API - API versioning | Plaid Docs](https://plaid.com/docs/api/versioning/index.html.md): Keep track of changes and updates to the Plaid API - [API - Webhooks | Plaid Docs](https://plaid.com/docs/api/webhooks/index.html.md): API reference for webhooks, which allow you to receive programmatic updates when an Item goes into an error state or its account information is updated - [API - Webhook verification | Plaid Docs](https://plaid.com/docs/api/webhooks/webhook-verification/index.html.md): API reference for authenticating Plaid webhooks, which provide you with precise real-time information, to avoid abuse and improve security. ## Documentation: Assets - [Assets - Create an Asset Report | Plaid Docs](https://plaid.com/docs/assets/add-to-app/index.html.md): View step by step instructions and sample code you can use to build with the Plaid Assets product. - [Assets - Introduction to Assets | Plaid Docs](https://plaid.com/docs/assets/index.html.md): Learn how to use Assets to access users' financial information for loan underwriting. - [Assets - Assets partners | Plaid Docs](https://plaid.com/docs/assets/partnerships/index.html.md): Find providers who have partnered with Plaid to provide Assets verification - [Assets - Ocrolus | Plaid Docs](https://plaid.com/docs/assets/partnerships/ocrolus/index.html.md): Use Ocrolus with Plaid Assets to digitize data collection ## Documentation: Auth - [Auth - Add Auth to your app | Plaid Docs](https://plaid.com/docs/auth/add-to-app/index.html.md): Learn how to set up Auth, which is used for connecting to users' bank accounts and powering ACH, European, and Canadian (EFT) transfers of funds. - [Auth - Automated Micro-deposits | Plaid Docs](https://plaid.com/docs/auth/coverage/automated/index.html.md): Learn how to use automated micro-deposits to quickly and securely verify your users - [Auth - Database Auth | Plaid Docs](https://plaid.com/docs/auth/coverage/database-auth/index.html.md): Authenticate your users instantly - [Auth - Database Insights and Match (legacy) | Plaid Docs](https://plaid.com/docs/auth/coverage/database/index.html.md): Authenticate your users instantly - [Auth - Configuring entry points | Plaid Docs](https://plaid.com/docs/auth/coverage/flow-options/index.html.md): Configure end users' options for verifying their account with Reroute to Credentials and Auth Type Select - [Auth - Additional Auth flows | Plaid Docs](https://plaid.com/docs/auth/coverage/index.html.md): Learn how to support Auth for all users using our fast and secure flows, also known as Longtail Auth, Extended Auth, and Fallback Auth. - [Auth - Instant Auth, Instant Match, & Instant Micro-deposits | Plaid Docs](https://plaid.com/docs/auth/coverage/instant/index.html.md): Authenticate your users instantly - [Auth - Micro-deposit Events | Plaid Docs](https://plaid.com/docs/auth/coverage/microdeposit-events/index.html.md): Learn how to use Bank Transfers webhooks to receive micro-deposit status updates - [Auth - Anti-fraud best practices | Plaid Docs](https://plaid.com/docs/auth/coverage/same-day-link-best-practices/index.html.md): Maximize performance and security of manual entry Auth flows - [Auth - Same Day Micro-deposits | Plaid Docs](https://plaid.com/docs/auth/coverage/same-day/index.html.md): Learn about authenticating your users with simple same-day, manually verified micro-deposits - [Auth - Test in Sandbox | Plaid Docs](https://plaid.com/docs/auth/coverage/testing/index.html.md): Use our sample credentials to test Auth flows in the Plaid Sandbox environment - [Auth - Introduction to Auth | Plaid Docs](https://plaid.com/docs/auth/index.html.md): Instantly retrieve account information to set up pay-by-bank payments via ACH and more - [Auth - Dwolla | Plaid Docs](https://plaid.com/docs/auth/partnerships/dwolla/index.html.md): Use Dwolla with Plaid Auth to send and receive payments - [Auth | Plaid Docs](https://plaid.com/docs/auth/partnerships/gainbridge/index.html.md): Instantly authenticate your customers' bank accounts to fund policies through Gainbridge's Bank Accounts API - [Auth - Gusto | Plaid Docs](https://plaid.com/docs/auth/partnerships/gusto/index.html.md): Build payroll with Gusto, then use Plaid Auth to instantly connect your customers’ bank accounts and run payroll faster - [Auth - Money movement partnerships | Plaid Docs](https://plaid.com/docs/auth/partnerships/index.html.md): Find payment providers who have partnered with Plaid to provide general purpose ACH money movement - [Auth - Stripe | Plaid Docs](https://plaid.com/docs/auth/partnerships/stripe/index.html.md): Use Stripe with Plaid Auth to send and receive payments - [Auth - Wedbush | Plaid Docs](https://plaid.com/docs/auth/partnerships/wedbush/index.html.md): Plaid-linked bank accounts can be connected to fund or withdraw from accounts on the Wedbush Securities platform. - [Auth - Zero Hash | Plaid Docs](https://plaid.com/docs/auth/partnerships/zero-hash/index.html.md): Use Zero Hash with Plaid Auth to embed bank account linking for ACH-funded crypto trades - [Auth - Increasing pay-by-bank adoption | Plaid Docs](https://plaid.com/docs/auth/pay-by-bank-ux/index.html.md): Enhance discovery and conversion on bank payments via UX design ## Documentation: Balance - [Balance - Add Balance to your app | Plaid Docs](https://plaid.com/docs/balance/add-to-app/index.html.md): Learn how to add Plaid's Balance endpoints to your application to obtain current balance information. - [Balance - Introduction to Balance | Plaid Docs](https://plaid.com/docs/balance/index.html.md): Retrieve real-time balance information to prevent NSFs and ACH returns - [Balance - Troubleshooting | Plaid Docs](https://plaid.com/docs/balance/troubleshooting/index.html.md): Learn how to troubleshoot common Balance issues ## Documentation: Beacon - [Beacon - Introduction to Beacon | Plaid Docs](https://plaid.com/docs/beacon/index.html.md): Learn how to fight fraud with the Plaid Beacon network ## Documentation: Changelog - [Changelog | Plaid Docs](https://plaid.com/docs/changelog/index.html.md): Track changes to the Plaid API and products ## Documentation: Check - [Consumer Report (by Plaid Check) - Implementation | Plaid Docs](https://plaid.com/docs/check/add-to-app/index.html.md): Learn how to onboard your users to Plaid Check and Consumer Report - [Consumer Report (by Plaid Check) - Introduction | Plaid Docs](https://plaid.com/docs/check/index.html.md): Use Consumer Report for smarter credit and lending decisions powered by Plaid Check - [Consumer Report (by Plaid Check) - Migrate from Assets | Plaid Docs](https://plaid.com/docs/check/migrate-from-assets/index.html.md): Learn how to migrate from Asset Reports to Base Reports - [Consumer Report (by Plaid Check) - Migrate from Income | Plaid Docs](https://plaid.com/docs/check/migrate-from-income/index.html.md): Learn how to migrate from Bank Income to CRA Income Insights - [Consumer Report (by Plaid Check) - Migrate from Transactions | Plaid Docs](https://plaid.com/docs/check/migrate-from-transactions/index.html.md): Learn how to migrate from Transactions to CRA Base Report - [Consumer Report (by Plaid Check) | Plaid Docs](https://plaid.com/docs/check/oauth-sharing/index.html.md): Share consumer reports with approved partners using OAuth tokens - [Consumer Report (by Plaid Check) - Onboard users with Layer | Plaid Docs](https://plaid.com/docs/check/onboard-users-with-layer/index.html.md): Learn how to onboard users to Plaid Check with Layer. ## Documentation: Enrich - [Enrich - Introduction to Enrich | Plaid Docs](https://plaid.com/docs/enrich/index.html.md): Enrich your transaction data with merchant, category, and location insights. ## Documentation: Errors - [Errors - API errors | Plaid Docs](https://plaid.com/docs/errors/api/index.html.md): Guide to understanding and troubleshooting API errors returned during planned maintenance windows and in response to API errors. - [Errors - Assets errors | Plaid Docs](https://plaid.com/docs/errors/assets/index.html.md): Guide to understanding and troubleshooting ASSET_REPORT_ERROR and ASSET_REPORT_WARNING types, which identify a class of issues related to the creation of an Asset Report. - [Errors - Check Report errors | Plaid Docs](https://plaid.com/docs/errors/check-report/index.html.md): Guide to understanding and troubleshooting CHECK_REPORT_ERROR types, which identify a class of issues related to the creation of a Check Report. - [Errors - Income errors | Plaid Docs](https://plaid.com/docs/errors/income/index.html.md): Guide to understanding and troubleshooting errors specific to the Income product. - [Errors - Overview | Plaid Docs](https://plaid.com/docs/errors/index.html.md): A comprehensive breakdown of all Plaid error codes - [Errors - Institution errors | Plaid Docs](https://plaid.com/docs/errors/institution/index.html.md): Guide to understanding and troubleshooting Institution errors, which are returned when issues arise with the requested financial institution. - [Errors - Invalid Input errors | Plaid Docs](https://plaid.com/docs/errors/invalid-input/index.html.md): Guide to understanding and troubleshooting errors returned when all fields are provided and are in the correct format, but the values provided are incorrect in some way. - [Errors - Invalid Request errors | Plaid Docs](https://plaid.com/docs/errors/invalid-request/index.html.md): Guide to understanding and troubleshooting errors returned when the request is malformed and cannot be processed. - [Errors - Invalid Result errors | Plaid Docs](https://plaid.com/docs/errors/invalid-result/index.html.md): Guide to understanding and troubleshooting errors in which the request is valid, but the output would be unusable for any supported flow. - [Errors - Item errors | Plaid Docs](https://plaid.com/docs/errors/item/index.html.md): Guide to understanding and troubleshooting errors returned when Plaid could not connect to the Item or cannot use the Item in a particular way. - [Errors - Microdeposits errors | Plaid Docs](https://plaid.com/docs/errors/microdeposits/index.html.md): Guide to understanding and troubleshooting Micro-deposits errors. - [Errors - OAuth errors | Plaid Docs](https://plaid.com/docs/errors/oauth/index.html.md): Guide to understanding and troubleshooting errors returned when there are issues with OAuth. - [Errors - Partner errors | Plaid Docs](https://plaid.com/docs/errors/partner/index.html.md): Guide to understanding and troubleshooting partner errors. - [Errors - Payment errors (Europe) | Plaid Docs](https://plaid.com/docs/errors/payment/index.html.md): Guide to understanding and troubleshooting errors specific to the Payment Initiation product. - [Errors - Rate Limit Exceeded errors | Plaid Docs](https://plaid.com/docs/errors/rate-limit-exceeded/index.html.md): Guide to understanding and troubleshooting errors returned when the request is valid but has exceeded established rate limits. - [Errors - Recaptcha errors | Plaid Docs](https://plaid.com/docs/errors/recaptcha/index.html.md): Guide to understanding and troubleshooting reCAPTCHA errors, which indicate that the user must solve a reCAPTCHA challenge before proceeding. - [Errors - Sandbox errors | Plaid Docs](https://plaid.com/docs/errors/sandbox/index.html.md): Guide to understanding and troubleshooting errors returned when invalid parameters are supplied in the Sandbox environment. - [Errors - Transactions errors | Plaid Docs](https://plaid.com/docs/errors/transactions/index.html.md): Guide to understanding and troubleshooting errors specific to the Transactions product. - [Errors - Transfer errors | Plaid Docs](https://plaid.com/docs/errors/transfer/index.html.md): Errors specific to the Transfer product - [Errors - Virtual Accounts errors (Europe) | Plaid Docs](https://plaid.com/docs/errors/virtual-account/index.html.md): Guide to understanding and troubleshooting errors specific to the Virtual Account product. ## Documentation: Financial-insights - [Financial Insights | Plaid Docs](https://plaid.com/docs/financial-insights/index.html.md): Overview and comparison of Plaid financial insights solutions ## Documentation: Identity-verification - [Identity Verification - Input validation rules | Plaid Docs](https://plaid.com/docs/identity-verification/hybrid-input-validation/index.html.md): Input Validation Rules - [Identity Verification - Introduction to Identity Verification | Plaid Docs](https://plaid.com/docs/identity-verification/index.html.md): Verify the identity of your users for global KYC and anti-fraud. - [Identity Verification - Link callbacks | Plaid Docs](https://plaid.com/docs/identity-verification/link/index.html.md): Guide to using Link events and callbacks with Identity Verification - [Identity Verification - Metrics and reporting | Plaid Docs](https://plaid.com/docs/identity-verification/reporting/index.html.md): Generating metrics for Identity Verification - [Identity Verification - Testing in Sandbox | Plaid Docs](https://plaid.com/docs/identity-verification/testing/index.html.md): Learn test values to ensure you always pass a session. - [Identity Verification - Webhooks | Plaid Docs](https://plaid.com/docs/identity-verification/webhooks/index.html.md): Subscribe to events and get real-time alerts for changes ## Documentation: Identity - [Identity - Add Identity to your app | Plaid Docs](https://plaid.com/docs/identity/add-to-app/index.html.md): Learn how to add Identity endpoints to your app. Identity lets you use user information such as names and addresses to verify users and reduce fraud. - [Identity - Identity Document Upload | Plaid Docs](https://plaid.com/docs/identity/identity-document-upload/index.html.md): Learn how to verify account ownership identity using bank statement uploads. - [Identity - Introduction to Identity | Plaid Docs](https://plaid.com/docs/identity/index.html.md): Verify users' account ownership and reduce fraud with the Identity product. ## Documentation: Income - [Income - Add Income to your app | Plaid Docs](https://plaid.com/docs/income/add-to-app/index.html.md): Learn how to add Plaid's Income endpoints to your application to obtain income information. - [Income - Bank Income | Plaid Docs](https://plaid.com/docs/income/bank-income/index.html.md): Learn about Bank Income features and implementation - [Income - Document Income | Plaid Docs](https://plaid.com/docs/income/document-income/index.html.md): Learn about Document Income features and implementation - [Income - Introduction to Income | Plaid Docs](https://plaid.com/docs/income/index.html.md): Optimize your income verification process with document, payroll, and bank-based Income verification - [Income - Payroll Income | Plaid Docs](https://plaid.com/docs/income/payroll-income/index.html.md): Learn about Payroll Income features and implementation ## Documentation: Investments-move - [Investments Move - Add Investments Move to your app | Plaid Docs](https://plaid.com/docs/investments-move/add-to-app/index.html.md): Learn how to add Plaid's Investments Move to your application to streamline brokerage-to-brokerage account transfers. - [Investments Move - Introduction to Investments Move | Plaid Docs](https://plaid.com/docs/investments-move/index.html.md): Automate ACATS and reduce rejections with broker-sourced data ## Documentation: Investments - [Investments - Add Investments to your app | Plaid Docs](https://plaid.com/docs/investments/add-to-app/index.html.md): Follow these instructions to add Investments endpoints to your application. Investments allows you to obtain information on securities and holdings. - [Investments - Introduction to Investments | Plaid Docs](https://plaid.com/docs/investments/index.html.md): View holdings and transactions from investment accounts ## Documentation: Kyc-aml - [KYC/AML and anti-fraud | Plaid Docs](https://plaid.com/docs/kyc-aml/index.html.md): Overview and comparison of Plaid KYC, AML, and anti-fraud solutions ## Documentation: Launch-checklist - [Launch checklist | Plaid Docs](https://plaid.com/docs/launch-checklist/index.html.md): For a more robust Plaid integration, use this launch checklist, which consists of recommended pre-production steps for your Plaid app. ## Documentation: Layer - [Layer - Add Layer to your app | Plaid Docs](https://plaid.com/docs/layer/add-to-app/index.html.md): Learn how to add Plaid Layer to your application to provide a fast, frictionless onboarding experience - [Layer - Introduction to Layer | Plaid Docs](https://plaid.com/docs/layer/index.html.md): Onboard users instantly with just a phone number ## Documentation: Liabilities - [Liabilities - Add Liabilities to your app | Plaid Docs](https://plaid.com/docs/liabilities/add-to-app/index.html.md): Learn how to add Plaid's Liabilities endpoints to your application to obtain data from credit card, PayPal credit, and student loan accounts. - [Liabilities - Introduction to Liabilities | Plaid Docs](https://plaid.com/docs/liabilities/index.html.md): Access data for private student loans, mortgages, and credit cards using the Liabilities product. ## Documentation: Link - [Link - Android | Plaid Docs](https://plaid.com/docs/link/android/index.html.md): Learn how to integrate your app with the Link Android SDK. Link enables the connection of your app to financial institutions. - [Link - Troubleshooting | Plaid Docs](https://plaid.com/docs/link/android/troubleshooting/index.html.md): Troubleshooting the Plaid Android SDK - [Link - Optimizing Link conversion | Plaid Docs](https://plaid.com/docs/link/best-practices/index.html.md): Discover best practices for improving Link conversion - [Link - Customizing Link | Plaid Docs](https://plaid.com/docs/link/customization/index.html.md): Learn how to customize aspects of the Link UI for your app via the Plaid Dashboard. You can customize color schemes, text strings, Account Select panes, and more. - [Link - Data Transparency Messaging migration | Plaid Docs](https://plaid.com/docs/link/data-transparency-messaging-migration-guide/index.html.md): Learn how to enable and manage Data Transparency Messaging for your application. - [Link - Preventing duplicate Items | Plaid Docs](https://plaid.com/docs/link/duplicate-items/index.html.md): Learn how to identify and prevent duplicate Items. Identifying duplicate Items prevents excess billing and confusing application behavior. - [Link - Embedded Link | Plaid Docs](https://plaid.com/docs/link/embedded-institution-search/index.html.md): Enhance conversion by embedding institution search directly into your app. - [Link - Handling an invalid Link Token | Plaid Docs](https://plaid.com/docs/link/handle-invalid-link-token/index.html.md): Learn how to handle invalid Link tokens by catching the error in the onExit callback and re-fetching a new link_token for the next time the user opens Link - [Link - Hosted Link for embedded clients | Plaid Docs](https://plaid.com/docs/link/hosted-link/embedded-clients/index.html.md): Guide to Hosted Link for embedded clients - [Link - Hosted Link | Plaid Docs](https://plaid.com/docs/link/hosted-link/index.html.md): Learn how to build a backend-only Plaid integration by using Hosted Link for your frontend - [Link - Overview | Plaid Docs](https://plaid.com/docs/link/index.html.md): Use Plaid Link to connect to your users' financial accounts with the Plaid API. Link handles credential validation, MFA, errors, and more. - [Link - Choosing when to initialize products | Plaid Docs](https://plaid.com/docs/link/initializing-products/index.html.md): Increase conversion and reduce costs by learning how to configure products in Link - [Link - Institution status in Link | Plaid Docs](https://plaid.com/docs/link/institution-status/index.html.md): Learn how Link proactively notifies users if an institution's connection is responsible for an error. - [Link - iOS | Plaid Docs](https://plaid.com/docs/link/ios/index.html.md): Learn how to integrate your app with the Link iOS SDK. Link enables the connection of your app to financial institutions. - [Link - Link Recovery (beta) | Plaid Docs](https://plaid.com/docs/link/link-recovery/index.html.md): Link Recovery (beta) allows you to track the status of institution downtimes and notify users when they have been resolved - [Link - Link Token migration guide | Plaid Docs](https://plaid.com/docs/link/link-token-migration-guide/index.html.md): Learn how to convert your app from the public_key to a new link_token to continue using the Plaid Link product. - [Link - Link analytics and tracking | Plaid Docs](https://plaid.com/docs/link/measuring-conversion/index.html.md): Learn how to measure Link conversion - [Link - Pre-Link messaging | Plaid Docs](https://plaid.com/docs/link/messaging/index.html.md): Maximize Link conversion and customer confidence with pre and post Link messaging - [Link - Modular Link (UK/EU only) | Plaid Docs](https://plaid.com/docs/link/modular-link-guide/index.html.md): Learn how to get started with Modular Link - [Link - Multi-Item Link | Plaid Docs](https://plaid.com/docs/link/multi-item-link/index.html.md): Multi-Item Link allows users to connect accounts from multiple institutions in a single Link session - [Link - OAuth guide | Plaid Docs](https://plaid.com/docs/link/oauth/index.html.md): Configure Link to connect to institutions via OAuth, which redirects users to their bank's site to log in. - [Link - React Native | Plaid Docs](https://plaid.com/docs/link/react-native/index.html.md): Reference for integrating with the Link React Native SDK. Includes requirements, compatibility information, and steps for getting started. - [Link - Returning user experience | Plaid Docs](https://plaid.com/docs/link/returning-user/index.html.md): Learn about the Link returning user experience, which simplifies the onboarding experience for users who have already linked a financial institution with Plaid - [Link - Troubleshooting | Plaid Docs](https://plaid.com/docs/link/troubleshooting/index.html.md): Learn how to troubleshoot common errors associated with the Plaid Link flow - [Link - Update mode | Plaid Docs](https://plaid.com/docs/link/update-mode/index.html.md): Link's update mode allows you to fix Items requiring re-authentication, or for users to grant additional permissions on existing Items. - [Link - Web | Plaid Docs](https://plaid.com/docs/link/web/index.html.md): Use this guide to learn how to integrate with the Plaid Link JavaScript and React SDKs for web apps. - [Link - Webview integrations | Plaid Docs](https://plaid.com/docs/link/webview/index.html.md): Use this guide to learn how to integrate with the Link Webview JavaScript SDK ## Documentation: Monitor - [Monitor - Watchlists and matching algorithms | Plaid Docs](https://plaid.com/docs/monitor/algorithms-and-lists/index.html.md): Learn about the matching algorithms employed by Plaid Monitor as well as the available watchlists. - [Monitor - Introduction to Monitor | Plaid Docs](https://plaid.com/docs/monitor/index.html.md): Sanction, PEP, and watchlist screening for anti-money laundering compliance ## Documentation: Payment-initiation - [Payments (Europe) | Plaid Docs](https://plaid.com/docs/payment-initiation/index.html.md): Initiate real-time payments for account funding and transfers - [Payments (Europe) - Add Payment Initiation to your app | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/add-to-app/index.html.md): Learn how to use one-time Payment Initiation in your application - [Payments (Europe) - Handling failed payments | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/handling-failed-payments/index.html.md): Learn how to handle failed payments, implement retry strategies, and provide a good user experience. - [Payments (Europe) - Payment Initiation | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/index.html.md): Learn about making one-time payments (Single Immediate Payments) in Europe. - [Payments (Europe) - Payment Status | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/payment-status/index.html.md): Learn how to verify payment status using webhooks and understand payment settlement times. - [Payments (Europe) - Refunds | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/refunds/index.html.md): Learn how to handle refunds for Payment Initiation transactions. - [Payments (Europe) - User onboarding and account funding guide | Plaid Docs](https://plaid.com/docs/payment-initiation/payment-initiation-one-time/user-onboarding-and-account-funding/index.html.md): Set up an account linking flow that uses Plaid to connect your user's bank account. Then, use the obtained access token to improve account funding and withdrawals. - [Payments (Europe) - Account Sweeping | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/account-sweeping/index.html.md): Sweep funds from your virtual account - [Payments (Europe) - Add Virtual Accounts to your app | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/add-to-app/index.html.md): Use virtual accounts to gain additional insight and control over the flow of funds - [Payments (Europe) - Virtual Accounts and Payouts | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/index.html.md): Manage the entire lifecycle of a payment - [Payments (Europe) - Managing your Virtual Account | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/managing-virtual-accounts/index.html.md): Set up, control, and monitor virtual account activity - [Payments (Europe) - Payment Confirmation | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/payment-confirmation/index.html.md): Confirm when funds have settled in a virtual account - [Payments (Europe) - Payouts | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/payouts/index.html.md): Send funds from your virtual account - [Payments (Europe) - Refunds | Plaid Docs](https://plaid.com/docs/payment-initiation/virtual-accounts/refunds/index.html.md): Refund a Payment Initiation payment ## Documentation: Payments - [Payments and Funding | Plaid Docs](https://plaid.com/docs/payments/index.html.md): Overview and comparison of Plaid payment and funding solutions ## Documentation: Protect - [Protect - Introduction to Protect | Plaid Docs](https://plaid.com/docs/protect/index.html.md): Prevent fraud before it happens — at every step of the user lifecycle. ## Documentation: Quickstart - [Quickstart - Glossary | Plaid Docs](https://plaid.com/docs/quickstart/glossary/index.html.md): Learn about key Plaid terms, with links to learn more. - [Quickstart | Plaid Docs](https://plaid.com/docs/quickstart/index.html.md): Follow these instructions to start building with Plaid. You will learn about our API keys, development environments, and more. ## Documentation: Resources - [Resources | Plaid Docs](https://plaid.com/docs/resources/index.html.md): External resources to help build your Plaid integration - [Resources - MCP Server | Plaid Docs](https://plaid.com/docs/resources/mcp/index.html.md): Connect your LLM-powered application to Plaid’s developer tools - [Resources - Vibe coding tips | Plaid Docs](https://plaid.com/docs/resources/vibe-coding/index.html.md): Get the best results when using AI tools with Plaid ## Documentation: Sandbox - [Sandbox - Overview | Plaid Docs](https://plaid.com/docs/sandbox/index.html.md): Use the Sandbox to quickly develop and test your app - [Sandbox - Test credentials | Plaid Docs](https://plaid.com/docs/sandbox/test-credentials/index.html.md): Learn about using sample credentials in the Plaid Sandbox environment. The Sandbox allows you to simulate situations such as MFA, reCAPTCHA, and Item creation errors. - [Sandbox - Customize test data | Plaid Docs](https://plaid.com/docs/sandbox/user-custom/index.html.md): Use custom Sandbox accounts to create rich testing data for the Assets, Auth, Balance, Identity, Liabilities, Transactions, Bank Transfers, and Investments products. ## Documentation: Signal - [Signal - Add Signal to your app | Plaid Docs](https://plaid.com/docs/signal/add-to-app/index.html.md): Follow these instructions to add Plaid Signal to your application. - [Signal - Creating Signal Items | Plaid Docs](https://plaid.com/docs/signal/creating-signal-items/index.html.md): Create Plaid Items to be used with Signal - [Signal - Introduction to Plaid Signal | Plaid Docs](https://plaid.com/docs/signal/index.html.md): Evaluate ACH payment risk - [Signal - Reporting returns | Plaid Docs](https://plaid.com/docs/signal/reporting-returns/index.html.md): Improve accuracy by reporting outcomes - [Signal - Signal Rules | Plaid Docs](https://plaid.com/docs/signal/signal-rules/index.html.md): Learn about configuring Signal Rules - [Signal - Tuning the Signal Rules | Plaid Docs](https://plaid.com/docs/signal/tuning-rules/index.html.md): Learn about tuning your Signal Rules logic ## Documentation: Statements - [Statements - Introduction to Statements | Plaid Docs](https://plaid.com/docs/statements/index.html.md): Retrieve a PDF copy of a user's financial statement ## Documentation: Support - [Support - Overview | Plaid Docs](https://plaid.com/docs/support/index.html.md): Help and support for your Plaid integration, including ways to contact us ## Documentation: Transactions - [Transactions - Add Transactions to your app | Plaid Docs](https://plaid.com/docs/transactions/add-to-app/index.html.md): Learn how to fetch Transactions data for your users - [Transactions - Introduction to Transactions | Plaid Docs](https://plaid.com/docs/transactions/index.html.md): Retrieve up to 24 months of transaction data and stay up-to-date with webhooks. - [Transactions - Personal Finance Category migration guide | Plaid Docs](https://plaid.com/docs/transactions/pfc-migration/index.html.md): Learn how to migrate from Plaid's legacy categories to the new personal finance categories - [Transactions - Transactions Sync migration guide | Plaid Docs](https://plaid.com/docs/transactions/sync-migration/index.html.md): Learn how to migrate from the /transactions/get endpoint to the /transactions/sync endpoint - [Transactions - Transaction states | Plaid Docs](https://plaid.com/docs/transactions/transactions-data/index.html.md): Learn about the differences between pending and posted transactions as well as how each type of transaction is handled by Plaid. - [Transactions - Troubleshooting | Plaid Docs](https://plaid.com/docs/transactions/troubleshooting/index.html.md): Learn how to troubleshoot common Transactions issues including API error responses and incorrect data fields. - [Transactions - Transactions webhooks | Plaid Docs](https://plaid.com/docs/transactions/webhooks/index.html.md): Listen for Transaction webhooks to learn when transactions are ready for retrieval or when transactions have been updated. ## Documentation: Transfer - [Transfer - Transfer Application | Plaid Docs](https://plaid.com/docs/transfer/application/index.html.md): Get approved to create transfers - [Transfer - Creating transfers | Plaid Docs](https://plaid.com/docs/transfer/creating-transfers/index.html.md): Link accounts and initiate transfers - [Transfer - Transfer Dashboard | Plaid Docs](https://plaid.com/docs/transfer/dashboard/index.html.md): Learn about the features available in the Plaid Transfer dashboard. - [Transfer - Plaid Ledger flow of funds | Plaid Docs](https://plaid.com/docs/transfer/flow-of-funds/index.html.md): Understand how Transfer moves money with the Plaid Ledger - [Transfer - Glossary | Plaid Docs](https://plaid.com/docs/transfer/glossary/index.html.md): Glossary of Transfer-specific terminology - [Transfer - Transfer Overview | Plaid Docs](https://plaid.com/docs/transfer/index.html.md): Intelligently process transfers between accounts - [Transfer - Platform Payments | Plaid Docs](https://plaid.com/docs/transfer/platform-payments/index.html.md): Learn how to use Transfer as a Payments Platform - [Transfer - Tracking transfer status | Plaid Docs](https://plaid.com/docs/transfer/reconciling-transfers/index.html.md): Monitor for updates to transfers, sweeps, and refunds - [Transfer - Recurring transfers | Plaid Docs](https://plaid.com/docs/transfer/recurring-transfers/index.html.md): Learn how to set up and use recurring ACH transactions - [Transfer - Refunds | Plaid Docs](https://plaid.com/docs/transfer/refunds/index.html.md): Issue a refund for an ACH debit - [Transfer - Reserves | Plaid Docs](https://plaid.com/docs/transfer/reserves/index.html.md): Learn about Transfer reserves requirements - [Transfer - Testing in Sandbox | Plaid Docs](https://plaid.com/docs/transfer/sandbox/index.html.md): Use Sandbox to test your transfer integration - [Transfer - Customizing Transfer Rules | Plaid Docs](https://plaid.com/docs/transfer/transfer-rules/index.html.md): Learn how to understand and customize Transfer rules - [Transfer - Errors and returns | Plaid Docs](https://plaid.com/docs/transfer/troubleshooting/index.html.md): Troubleshooting common errors and ACH returns - [Transfer - Transfer UI | Plaid Docs](https://plaid.com/docs/transfer/using-transfer-ui/index.html.md): Facilitate transfers with an intuitive user interface ## Documentation: Underwriting - [Credit and Underwriting | Plaid Docs](https://plaid.com/docs/underwriting/index.html.md): Overview and comparison of Plaid underwriting and lending solutions ## Marketing Pages For North America - [2022 Fintech Predictions with Zach Perret](https://plaid.com/2022-fintech-predictions-whitepaper/): Find out how the biggest fintech trends will shape digital financial services for years to come. - [2023 Fintech Predictions with Zach Perret - Plaid](https://plaid.com/2023-fintech-predictions-whitepaper/): Learn about some of the biggest fintech trends and predictions for 2023 from Zach Perret, Co-Founder & CEO of Plaid - [Fintech Predictions 2024 Whitepaper](https://plaid.com/2024-fintech-predictions-whitepaper/): 🔮 What does the future hold for fintech in 2024? Download our whitepaper to read the latest on the trends shaping digital finance, from AI to RTP. - [Plaid's 2024 letter to shareholders](https://plaid.com/2024-shareholder-letter/): Plaid’s first shareholder letter is here. We reflect on a pivotal year, our growing network, and why fintech’s future looks brighter than ever. Read more. - [Fintech Predictions 2025 Whitepaper](https://plaid.com/2025-fintech-predictions-whitepaper/): Explore key trends in Fraud, Payments, Credit, and Open Finance for 2025. Download Plaid’s Fintech Predictions report to stay ahead in the industry. - [5 ways to optimize your business with Plaid](https://plaid.com/5-ways-optimize-business-with-plaid/): Find out how Plaid makes it easy to deliver fintech services—and make your business more competitive. - [Embedded Finance: Financial services whenever and wherever customers need them](https://plaid.com/accenture-report-embedded-finance/): This report explores how firms are leveraging embedded finance to create new revenue streams and radically improve the customer experience. - [ACH return codes guide](https://plaid.com/ach-return-codes-download/): ACH returns can be costly and complex. Download our guide to understand what return codes mean and how to prevent returns. - [The ACH Whitepaper](https://plaid.com/ach-whitepaper/): Find out why today’s biggest fintech apps are powered by ACH payments and how you can use it to win more customers, increase your margins & build brand loyalty. - [AI for financial fraud detection with MIT - Report](https://plaid.com/ai-fraud-detection-mit/): Fraud is evolving alongside AI. See how smarter tools and industry collaboration can help businesses prevent fraud. Download the report from MIT & Plaid today. - [The future of open banking regulation with American Banker](https://plaid.com/american-banker-1033-regulation-webinar-on-demand/): The final Section 1033 rule is here. Watch this webinar for insights on how open banking is changing the financial landscape for financial institutions. - [App2App account authentication](https://plaid.com/app2app/): App2App is a faster, safer, and easier way for users to connect their financial accounts to third-party apps and services. - [AWS Activate x Plaid: The trusted platform for fintechs](https://plaid.com/aws-activate/): Learn how Plaid helps startups of all sizes connect to millions of fintech users worldwide. Visit us for a special offer just for AWS Activate. - [Plaid's Bank Transfers API (beta)](https://plaid.com/bank-transfers-beta/): Plaid’s Bank Transfers API (beta) provides multiple payment types, bank partner flexibility, and early indication of payment success. - [Beyond the Credit Card Whitepaper](https://plaid.com/beyond-the-credit-card/): The Plaid Whitepaper explores how companies can use new payment methods to boost customer engagement and build brand loyalty. Download to learn more. - [Breaking Banks Podcast](https://plaid.com/breakingbanks/): Welcome Breaking Banks listeners. More than 4,000 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [Power your app with consumer-permissioned financial data](https://plaid.com/build-with-plaid/): Plaid gives developers the tools to easily build great financial products. - [Cash flow data in lending: A step-by-step guide](https://plaid.com/cash-flow-data-lending-guide/): Lenders who adopt cash flow underwriting today will lead the market tomorrow. Download a step-by-step guide on using cash flow data in your lending tech stack. - [Benefits of streamlining your onboarding stack](https://plaid.com/celent-benefits-streamlining-onboarding-stack/): Find out how fintechs and digital banks can win more valuable customers and reduce fraud with Plaid. - [Chime Tech Talk 2020](https://plaid.com/chime-tech-talk-2020-form/): By leveraging Plaid solutions, Chime accelerated account funding and became a top US bank - [Hold strong in the face of market volatility with Coinbase](https://plaid.com/coinbase-building-through-market-volatility/): Change is a part of the markets. Hear from Coinbase on building through crypto market volatility with a focus on compliance, regulation, and mission. - [About us - our mission](https://plaid.com/company/): Plaid empowers innovators by delivering access to the financial system. Learn more about our company. - [Contact Plaid](https://plaid.com/contact-balance/): Contact us to learn more about how Plaid Balance can help you enhance your products. We'll reach out with more information. - [Contact Plaid](https://plaid.com/contact-identity/): Contact us to learn more about how Plaid Identity can help you enhance your products. We'll reach out with more information. - [Contact Plaid](https://plaid.com/contact-lending/): Contact us to learn more about how Plaid Income and Assets can help you enhance your products. We'll reach out with more information. - [Contact Plaid to learn more](https://plaid.com/contact-plaid-mql/): Tell us what you're planning to build, and we'll help get you started. - [Contact us](https://plaid.com/contact-thanks/): - [Contact us](https://plaid.com/contact/): We love hearing from you! Contact the Plaid team with sales, partnerships, press, and brand inquiries - [CRA: Learn more about Plaid's consumer reporting agency](https://plaid.com/cra-interest-form/): Plaid 's consumer reporting agency delivers credit risk insights from alternative data sources like consumer-permissioned cash-flow data. Learn more. - [Power efficient underwriting processes with Plaid](https://plaid.com/credit-underwriting-whitepaper/): Power efficient underwriting processes with Plaid - [How to offer your customers access to crypto](https://plaid.com/crypto-checklist/): A 5 step checklist to embed crypto into your product - [Learn more about Building with Plaid](https://plaid.com/dashboard-learn-more/): Dashboard users who want to talk to Plaid's sales team - [Data Access Infrastructure Whitepaper](https://plaid.com/data-access-infrastructure/): Financial institutions should improve data access infrastructure. Learn to meet the scale of consumer demand and future proof data access in our whitepaper. - [Data connectivity landing page submission form thank you](https://plaid.com/data-connectivity-thank-you/): Data connectivity landing page submission for thank you - [Future of lending guide & cash flow data - Datos Insights](https://plaid.com/datos-insights-future-of-lending-guide/): Leverage cash flow data to get a clearer picture of a borrower's finances. Download the latest guide on the future of lending from Datos Insights & Plaid. - [Decoder Podcast Page](https://plaid.com/decoder/): Welcome Decoder listeners. More than 4,000 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [Developer Policy](https://plaid.com/developer-policy/): - [Discover apps that are powered by Plaid](https://plaid.com/discover-apps/): When you connect your financial accounts, you can do some pretty amazing things. Discover more than 7,000 apps and services that are powered by Plaid. - [H&R Block on driving growth through financial partnerships](https://plaid.com/driving-growth-partnerships-h-r-block/): Growth requires a trusted network. Hear 5 tips from H&R Block on building trust and the importance of partnerships in consumer fintech products. - [Watch Effects 2024 - Customer Conversations](https://plaid.com/effects-2024-on-demand/): Hear from some of the largest names in finance on where the industry is headed and the solutions they're using to scale faster. Watch Effects 2024 on demand. - [Watch Effects 2025: The future of finance unlocked](https://plaid.com/effects-2025-on-demand/): Plaid Effects 2025 is now on demand. Explore innovative solutions shaping the future of finance across credit, fraud, and payments. Watch now! - [Plaid Engineering](https://plaid.com/engineering/): Everything you need to know about Plaid Engineering - [Affirm on new fintech product development & consumer control](https://plaid.com/financial-product-development-tips-affirm/): Align new financial products with customer outcomes. Hear from Affirm on putting consumer control and feedback at the heart of your product development. - [We've saved your spot | 2024 Fintech Predictions](https://plaid.com/fintech-predictions-thank-you/): Thanks for registering for 2024 Fintech Predictions. - [Fintech Spotlight 2023: A focus on profitability](https://plaid.com/fintech-spotlight-2023/): Whether you’re a fintech company, lender or large bank, download this year’s guide for actionable strategies to improve your bottom line. - [Fintech Takes: Success in the new era of open banking](https://plaid.com/fintech-takes-new-era-open-banking/): Fintech Takes and Plaid cover how to be successful in the new era of open banking for consumers, data providers, developers, and more. Read the full story. - [For financial institutions landing page submission form thank you](https://plaid.com/for-financial-institutions-thank-you/): For financial institutions landing page submission for thank you - [Forrester report: IDV solutions for ATO & fraud prevention](https://plaid.com/forrester-idv-fraud-prevention-report/): Learn how financial services firms use digital identity verification to prevent account takeover, deepfakes, & synthetic fraud. Download the Forrester report. - [Forrester New Wave™ Report: Open Banking Intermediaries Q1 2023](https://plaid.com/forrester-wave-open-banking/): The Forrester New Wave™ Open Banking Intermediaries report evaluated the 13 providers that matter most and how they stack up. Find out why Plaid was named a Leader. - [Fraudulent Recruiting Activities Disclaimer](https://plaid.com/fraudulent-recruiting-activities-disclaimer/): Fraudulent Recruiting Activities Disclaimer - [Gartner® Guide - Automation tips for lending & underwriting](https://plaid.com/gartner-automation-use-cases-lending-underwriting/): Manual processes could be costing you customers. Approve more qualified borrowers with modernized underwriting & automation. Read our guide to learn more. - [Global coverage - North America, UK, and Europe](https://plaid.com/global/): Plaid is available in the US, Canada, and Europe. Sign up to be notified as soon as we launch in your country. - [Top trends shaping the future of finance](https://plaid.com/guide-top-trends-future-of-finance/): Our financial lives are evolving quickly and the impacts of these shifts are far-reaching. Learn about trends shaping the future of finance in this report. - [Plaid helps you link your financial institutions](https://plaid.com/how-it-works-for-consumers/): Plaid’s technology provides connections to more than 11,000 US banks and credit unions. Learn how we power the apps in your financial life. - [How financial services companies can lower fraud and drive growth for less](https://plaid.com/how-to-lower-fraud-and-drive-growth/): Consumers expect great digital experiences. Learn how digitization can protect your business by lowering fraud and driving growth. - [How we handle your personal financial data](https://plaid.com/how-we-handle-data/): At Plaid, we don’t share your personal information without your permission, and we don’t sell or rent it to outside companies. - [Increase conversion with Plaid](https://plaid.com/increase-conversion-with-plaid/): Find out how Plaid makes it easy to improve conversion and encourage use of your app or service. - [Plaid: Enabling all companies to build fintech solutions](https://plaid.com/): Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services. - [10 fintech trends that are defining the industry’s future: an infographic](https://plaid.com/infographic-fintech-trends/): New trends are emerging in the fintech industry from both consumers and the marketplace at large. Find out what’s shaping the industry and gain insights you can use. - [Personal Finance Insights | Data APIs](https://plaid.com/insights-solution/): Drive engagement and revenue with Plaid’s Personal Finance Insights. Access transaction, investment, and loan data to understand a consumer’s finances. - [Thank you for your interest in Plaid solutions](https://plaid.com/interest-form-thank-you/): Thank you for your submission. A representative will reach out to you shortly. - [Product Interest Form](https://plaid.com/interest-form/): Let us know what products at Plaid you would like to learn more about. - [Breaking down silos in identity fraud - Javelin: Watch now](https://plaid.com/javelin-identity-fraud-tech-talk-watch-now/): Watch Javelin & Plaid discuss AI-driven fraud prevention, deepfake defenses, & real-time strategies to stay ahead of evolving fraud threats. Watch now! - [Javelin: Breaking down silos in identity fraud tech talk](https://plaid.com/javelin-identity-fraud-tech-talk/): Watch Javelin & Plaid discuss AI-driven fraud prevention, deepfake defenses, & real-time strategies to stay ahead of evolving fraud threats. Register now. - [Javelin: Breaking down silos in identity fraud whitepaper](https://plaid.com/javelin-identity-fraud-whitepaper/): Discover how connected, adaptive fraud defenses help stop identity fraud, ATO, & transaction fraud across the customer journey in Javelin’s latest report. - [Thank you for submitting](https://plaid.com/keep-open-finance-open-thank-you/): Thank you! - [Keep Open Finance Open](https://plaid.com/keep-open-finance-open/): Keep Open Finance Open - [Layer - Instant onboarding for new customer accounts](https://plaid.com/layer/): Bad onboarding kills conversion rates. Instantly onboard new customers from the Plaid Network with just a phone number. Learn about Layer. - [Laying the foundation for an open finance future](https://plaid.com/laying-the-foundation-for-an-open-finance-future/): Plaid has partnered with Celent to produce a report that explores the transition from open banking to open finance - [A lender's guide: Find the right solution to drive efficient growth](https://plaid.com/lending-guide/): In this guide, learn how lenders can deliver experiences to increase customer acquisition, reduce manual reviews and stop fraud with bank and payroll data - [Lending report: Cash flow data goes mainstream](https://plaid.com/lending-report-cash-flow-mainstream/): Download the guide for insight into the future of lending from 400 lending professionals and 2,000 borrowers. - [Plaid is a Market Leader for KYC and anti-fraud solutions](https://plaid.com/liminal-names-plaid-market-leader-for-kyc/): Liminal evaluated providers across critical product capabilities and named Plaid as a Market Leader for KYC and anti-fraud solutions. See why. - [Thank you for registering!](https://plaid.com/moneylion-tech-talk-thank-you/): Thank you for registering! Look out for an email confirming your registration. - [Nacha Whitepaper 2022](https://plaid.com/nacha-whitepaper-2022/): Download the report to get the latest update on Nacha's operating rules and how to stay compliant with ACH payments. - [Nacha’s Account Validation Rule Whitepaper](https://plaid.com/nacha-whitepaper/): The Nacha Whitepaper tells you everything you need to know about the new account validation rules and what you need to do in order to stay compliant. - [How to navigate Nacha in a multi-rail payment universe](https://plaid.com/navigate-nacha-multi-rail-payment-2023/): How can you navigate Nacha in a multi-rail payment universe? Download this guide to learn how to reach more customers with a comprehensive multi-rail strategy. - [NPR Podcasts](https://plaid.com/npr/): Welcome NPR listeners. More than 4,000 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [PSD2 and Open Banking](https://plaid.com/open-banking/): What is PSD2? What is Open Banking? We provide answers to common questions that we've received around AIS, PIS, registration requirements, and more. - [Plaid & MIT Technology Review Insights: How can open finance reinvent financial services?](https://plaid.com/open-finance-mit-tech-review/): Open finance is transforming digital finance apps. Learn more about how upcoming regulation, security, and consumer education will shape its future. - [Open Finance Whitepaper](https://plaid.com/open-finance-whitepaper/): Learn more about open finance for financial institutions and their customers. Our whitepaper explores how open finance is changing the financial landscape. - [Pay by bank - bank payment API solution](https://plaid.com/pay-by-bank/): Enable faster and more reliable payments by helping customers pay with bank accounts. Learn more about Plaid's pay by bank solutions for payment processing. - [Plaid Payroll Solution](https://plaid.com/payroll-solution/): Plaid payroll solution, reduce fraud, improve employee onboarding - [Pivot Podcast](https://plaid.com/pivot/): Welcome Pivot listeners. More than 2,900 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [Plaid Accelerate Thank you](https://plaid.com/plaid-accelerate-thank-you/): Thank you for registering for Plaid Accelerate application alerts - [Pay by Bank: Global payment trends from Plaid & Adyen - Lipis Advisors](https://plaid.com/plaid-adyen-pay-by-bank-global-trends/): Pay by bank helps businesses revolutionize payments through lower costs. Lipis Advisors looks at the rise of bank payments with Plaid & Adyen. Learn more. - [Plaid Exchange landing page submission form thank you](https://plaid.com/plaid-exchange-thank-you/): Plaid exchange landing page submission for thank you - [Plaid: Finance’s next great network](https://plaid.com/plaid-finance-next-great-network/): After turning down Visa, the $13.4 billion fintech is thriving solo. But how did Plaid become a true multi-product company with room to run? - [5 fintech startups growing with Plaid - eBook](https://plaid.com/plaid-for-fintech-startups-ebook/): Every business wants to grow faster when they’re starting up. These startups have figured out how. Learn how fintech startups are scaling up with Plaid. - [Verify ID & Income for tenant rental application process](https://plaid.com/plaid-for-property-management/): Rental applications can take up to 5-7 days to process. Unlock a toolkit for ID & income verification for property management with Plaid. Learn more. - [Plaid Forum Hybrid FAQ](https://plaid.com/plaid-forum-hybrid-faq/): Plaid Forum frequently asked questions - [Plaid Forum 2022 Hybrid](https://plaid.com/plaid-forum-hybrid/): Join us online or in-person in San Francisco, CA to learn how Plaid’s new products are powering the future of digital finance. - [Plaid Forum On-Demand 2021](https://plaid.com/plaid-forum-on-demand-2021/): Catch up on-demand the latest platform and product updates, insights, and trends that you missed from Plaid Forum - [Plaid Forum On-Demand 2022](https://plaid.com/plaid-forum-on-demand-2022/): Catch up on the latest product updates, insights, and trends from Plaid Forum 2022. Hear from the leading companies powering the future of digital finance. - [Plaid Forum Terms & Conditions](https://plaid.com/plaid-forum-terms-and-conditions/): Plaid Forum Terms & Conditions - [Plaid Forum Thank you](https://plaid.com/plaid-forum-thank-you/): Thank you for registering for Plaid Forum - [Link - Seamless bank account linking & API integration](https://plaid.com/plaid-link/): Bring your product to life with seamless account connectivity. Plaid Link helps you connect users to 12,000+ institutions in seconds—securely and at scale. - [Plaid Payment Partner Ecosystem](https://plaid.com/plaid-payment-partner-ecosystem/): Plaid is launching an ecosystem of payments partners to bring smoother, secure account-to-account payment experiences to every digital financial interaction. - [Plan Flexibility Research](https://plaid.com/plan-flexibility-research/): Gathering users for research on plan flexibility initiative - [Powered by Plaid eBook](https://plaid.com/powered-by-plaid-ebook/): Powered by Plaid eBook - [Powered by Plaid Mashup](https://plaid.com/powered-by-plaid/): Discover why 7,000+ companies choose Plaid to boost conversion, build best-in-class user experiences, and fight fraud. - [Press](https://plaid.com/press/): We've compiled some basics you might need while covering Plaid or the fintech industry. Contact us if you need more information or to schedule an interview. - [Pricing - United States & Canada](https://plaid.com/pricing/): Build with our free tier; pay as you go; or scale with tailored API solutions and volume pricing. Your first 200 API calls are free. - [Pay by Bank with Pirate Ship & Plaid](https://plaid.com/promo-details/): Pirate Ship makes it easy to pay by bank. Receive up to $3.00 cash back on the first pay by bank purchase made with Pirate Ship using Plaid. Learn more. - [Proptech - tenant income verification solutions](https://plaid.com/proptech-rental-verification/): Reduce the time from application to approval. Plaid is an all-in-one solution for proptech, with payments, identity, and income verification. Learn more. - [Personal Finance Insights | Recurring Transactions | Data APIs](https://plaid.com/recurring-transactions/): Retrieve a summary of the recurring bill payments, subscriptions, and deposits within an account to help consumers manage their cash flow and reduce spend. - [Trust and Safety](https://plaid.com/safety/): Plaid helps you safely connect your financial accounts to apps and services. Every Plaid product is built with meaningful control and security in mind. - [Plaid's 2024 letter to shareholders](https://plaid.com/shareholder-letter/): Plaid’s first shareholder letter is here. We reflect on a pivotal year, our growing network, and why fintech’s future looks brighter than ever. Read more. - [6 tips for choosing the right identity verification (IDV) solution for your startup](https://plaid.com/six-tips-for-choosing-the-right-identity-verification-solution-for-startups/): Need to pick the best identity verification (IDV) solution for your fintech startup? Here's how to pick one that meets KYC regulations and increases your sign-ups. - [Community Development Financial Institutions & Open Finance](https://plaid.com/supporting-community-development-financial-institutions-and-minority/): Community Development Financial Institutions (CDFIs) should offer customers the same experience as a big bank by embracing open finance. Learn how. - [Tearsheet Whitepaper](https://plaid.com/tearsheet-whitepaper/): The Tearsheet Whitepaper explores how companies can create a hybrid model to win over the next generation of investors. Download the whitepaper to learn more. - [Thank You for registering to our Tech Talk](https://plaid.com/tech-talk-thank-you-registration/): Thank You for registering to our Tech Talk - [The Digital Transformation of Financial Institutions](https://plaid.com/the-digital-transformation-financial-institutions-whitepaper/): The Tearsheet Whitepaper shares how financial institutions can become agile with digital transformation to create experiences customers love. - [The Fintech Effect: Consumer Impact Survey Report](https://plaid.com/the-fintech-effect-2020-consumer-report/): In this annual report, learn how consumers are driving the future of financial services. This year, we focus on financial access, well-being, and engagement. - [The Fintech Effect: Fintech’s Mass Adoption Moment](https://plaid.com/the-fintech-effect-2021-mass-adoption/): Fintech has now reached mass adoption–with 88% of U.S. consumers now using digital apps and services to manage their finances. Download Plaid's latest report. - [Executive briefing: The Fintech Effect 2022](https://plaid.com/the-fintech-effect-2022-executive-brief/): Plaid’s research finds fintech helps consumers navigate economic stress. Learn more consumer insights in this summary of the Fintech Effect 2022 report. - [Risk teams' guide: The Fintech Effect 2022](https://plaid.com/the-fintech-effect-2022-risk/): The top two things consumers want out of their fintech experiences are convenience and security. Learn more about how ID verification can help. - [Wealth manager’s guide: The Fintech Effect 2022](https://plaid.com/the-fintech-effect-2022-wealth-managers/): Plaid’s research finds consumers are focused on short-term needs. Learn how wealth managers can help them move closer to financial wellness. - [The Fintech Effect 2022 - An annual fintech industry report](https://plaid.com/the-fintech-effect-report-2022/): Fintech adoption continues to grow—even in uncertain economic times. Learn more about the trends shaping the fintech industry in The Fintech Effect 2022. - [The Fintech Effect 2023 - our annual fintech industry report](https://plaid.com/the-fintech-effect-report-2023/): Download the Fintech Effect. Our latest fintech report shares the trends and statistics shaping financial technology, with data from over 2,000 consumers. - [Three tips to prevent fraud in 2023: download](https://plaid.com/three-tips-to-prevent-fraud-download/): Fraud is on the rise. Get our tips for improving your risk management strategy and protecting your business. - [Guide to calculating the value of identity verification](https://plaid.com/total-value-of-identity-verification-download/): Learn how to calculate the total value of identity verification for your business. - [Transactions+ | Waitlist](https://plaid.com/transactions-plus-waitlist/): Join the waitlist to access Transactions+ (Beta), user-level competitive and spending insights that help you reach users with the right message at the right time - [Trouble connecting your financial account to an app?](https://plaid.com/trouble-connecting/): Trouble connecting your financial account to Plaid? We’ve got you covered. Learn common issues & how to fix them so you can get connected with confidence. - [Consumer trust - Plaid safety & security](https://plaid.com/trust-safety/): Millions of people use Plaid to safely connect their financial accounts to the apps and services they need. Learn how we keep your data safe and secure. - [Vergecast Podcast](https://plaid.com/vergecast/): Welcome Vergecast listeners. More than 2,900 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [Effects 2024 - Watch now - Connect to the future of finance](https://plaid.com/watch-effects-2024/): Shape the future of finance with Plaid. Watch the virtual event to catch-up on new Plaid products powering fintech, from onboarding to money movement. - [What is fintech? Download report](https://plaid.com/what-is-fintech-download/): Download this guide to learn more about what fintech is, how it works, and why it matters. - [What is Plaid?](https://plaid.com/what-is-plaid/): Plaid makes it easy to securely connect your bank to the apps you want to use. - [Why is Plaid involved?](https://plaid.com/why-is-plaid-involved/): Money can be a significant source of stress. Plaid helps people connect their financial accounts to the apps they rely on to manage their money. - [WSJ Podcasts](https://plaid.com/wsj/): Welcome WSJ listeners. More than 4,000 fintech companies rely on Plaid's APIs to enable consumers to permission their data. Learn More. - [ZoomInfo Form Complete Test Page](https://plaid.com/zoominfo-form-complete-test/): This is just to test ZoomInfo Form Complete ## Blog - [Blog](https://plaid.com/blog/): Plaid.com blog - [Now supporting Identity for 1,000+ institutions](https://plaid.com/blog/1000-identity/): A few weeks ago, we announced that we had expanded coverage of our Identity product to 300 financial institutions in t... - [180 days is not enough](https://plaid.com/blog/180-days-is-not-enough/): The European Banking Authority closed its public consultation today on the amendment of its RTS on Strong Customer Authentication (SCA) and the 90-day exemption - [Changelog - 2017 Year in Review](https://plaid.com/blog/2017-review-changelog/): Going into 2018, we wanted to take a look back at the product launches and improvements of last year in our final Changelog - [3,000+ supported institutions for Auth and Identity](https://plaid.com/blog/2018-coverage-milestones/): This year, we’ve made deep investments into expanding our institution coverage in order to help you reach more users, and more account types, using Plaid. I... - [2019 State of Diversity & Inclusion in Plaid Engineering](https://plaid.com/blog/2019-state-of-diversity-inclusion-in-plaid-engineering/): Building amazing products that power thousands of fintech apps requires us on the Plaid engineering team to empathize with the developers and end users who b... - [Survey finds that fintech has been a lifeline during COVID-19; consumers say it's the "new normal"](https://plaid.com/blog/2020-fintech-effect-covid/): Read the report The COVID-19 pandemic sparked the worst economic crisis since the Gr... - [2020 State of Diversity, Equity, Inclusion and Belonging in Plaid Engineering](https://plaid.com/blog/2020-state-of-diversity-equity-inclusion-and-belonging-in-plaid-engineering/): 2020 State of Diversity, Equity, Inclusion and Belonging in Plaid Engineering. - [2021 State of Diversity, Equity, Inclusion and Belonging at Plaid](https://plaid.com/blog/2021-State-of-Diversity-Equity-Inclusion-Belonging-Plaid/): In this post, we’ll look at each component of DEIB — diversity, equity, inclusion and belonging — and our efforts on each of these fronts. - [2022 State of Diversity, Equity, Inclusion & Belonging](https://plaid.com/blog/2022-state-of-diversity-equity-inclusion-belonging-plaid/): In this post, we’ll look at each component of DEIB—diversity, equity, inclusion, and belonging— and our efforts on each of these fronts. - [2023 State of Diversity, Equity, Inclusion, and Belonging at Plaid](https://plaid.com/blog/2023-state-of-diversity-equity-inclusion-belonging-plaid/): At Plaid, diversity in leadership is critical to our mission. Our 2023 DEIB update reviews our continued focus on DEIB & sustainability across every team. - [Summer 2024 Plinterns: A Look Back](https://plaid.com/blog/2024-plinterns/): Before returning to school, our San Francisco and New York City-based Plinterns shared their experiences and learnings from this summer. - [Now supporting Identity for 300+ institutions](https://plaid.com/blog/300-identity/): We’re excited to announce today that our Identity product supports more than 300 financial institutions in the United ... - [4 ways to reduce user drop-off and improve Link conversion](https://plaid.com/blog/4-ways-to-improve-link-conversion/): We’re sharing 4 ways to create a seamless user transition from your app experience to Link, which can improve conversion and help you activate more users. - [5 reasons why you don’t want to miss Plaid Forum](https://plaid.com/blog/5-reasons-why-you-dont-want-to-miss-plaid-forum/): Plaid Forum | May 19, 2022 | Join the online community of leading developers and companies building the future of digital finance. - [A more seamless way to reauthenticate in the UK is coming](https://plaid.com/blog/90-day-are-you-ready/): The Financial Conduct Authority has changed the 90-day reauthentication rules. We break down what this rule change means and how Plaid is supporting customers. - [A call to action for fintech](https://plaid.com/blog/a-call-to-action-for-the-fintech-ecosystem/): After much anticipation /plaid-policy-pulse-consumer-data-rights-matter-for-fintech/#:~:text=In%20this%20Policy%20Pulse%2C%20we%20will%3A&text=Lay%20out%20a... - [Why fast and easy account validation is the key to onboarding more customers](https://plaid.com/blog/a-fast-and-easy-account-validation-solution-for-ach/): Accelerate account validation and onboard more users with Plaid. NACHA approved Auth, Identity, and Balance can enable faster, easier, and safer ACH solutions. - [A guide: How to effectively pentest Plaid’s web applications & APIs?](https://plaid.com/blog/a-guide-how-to-effectively-pentest-plaids-web-applications-and-apis/): We recently announced our new and improved bug bounty program and to make it easier for you. - [A more inclusive design system](https://plaid.com/blog/a-more-inclusive-design-system/): As illustrators, how do you decide on a color as personal as skin tone? Learn how Plaid’s Design Team chooses skin tones for their illustrations. - [A New Architecture for Plaid Link: Server-Driven UI with Directed Graphs](https://plaid.com/blog/a-new-architecture-for-plaid-link-server-driven-ui-with-directed-graphs/): Flexible Link, our new product platform that would deliver years of diverse new product experiences for our customers. - [A new chapter for Plaid’s bug bounty program](https://plaid.com/blog/a-new-chapter-for-plaids-bug-bounty-program/): October is Cybersecurity Awareness month and we’re excited to share some new updates to Plaid’s bug bounty program. - [A new era of investing: strategies for changing investor needs](https://plaid.com/blog/a-new-era-of-investing-strategies-for-changing-investor-needs/): Learn the latest investment trends, support investors with API driven data and holistic insights based on a deep understanding of their motivations and needs. - [A New Era for Open Finance](https://plaid.com/blog/a-vision-for-open-finance/): Plaid's comment letter to the CFPB addressing open banking calls for a strong data right, meaningful innovation, and API support amongst other points. - [Navigating Bank Secrecy Act compliance: Keys to a strong customer identification program](https://plaid.com/blog/acams-webinar/): How should digital businesses be thinking about the benefits and uses for KYC? How does this compare with AML regulations? - [Introducing Plaid’s Accelerate Class of 2021](https://plaid.com/blog/accelerate-cohort-2021/): Announcing Plaid Accelerate's inaugural cohort of five early-stage fintech startups - [Adopting the OpenAPI schema to generate Plaid’s SDKs](https://plaid.com/blog/adopting-the-openapi-schema-to-generate-plaids-sdks/): The developer experience team focuses on building tools and features that make it as easy as possible for developers. - [Agents in Action: Leveraging AI to improve our core product experiences](https://plaid.com/blog/ai-agents-june-2025/): Plaid has built multiple AI Agents to improve our core product offerings - [Transforming Engineers: How we grew AI coding adoption at Plaid](https://plaid.com/blog/ai-coding-adoption-plaid/): One of our top priorities is to help all Plaid engineers become AI power users. The problem was how to change habits while keeping our ship moving. - [From prompt to prototype: AI tools for developers](https://plaid.com/blog/ai-development-toolkit/): Build and test Plaid integrations faster with new AI tools: integration guides and a sandbox MCP server for local development and testing. - [PSD2 compliance](https://plaid.com/blog/aisp/): The Revised Payment Service Directive , also known as PSD2 or Open Banking, ... - [Alto is a pharmacy for the digital age](https://plaid.com/blog/alto/): With ACH powered by Plaid, Alto saves an average of $50 on every high-value transaction. That translates to a monthly savings of $20,000—and growing. - [An improved Sandbox with customizable accounts](https://plaid.com/blog/an-improved-sandbox/): Today, we’re excited to share improvements to our Sandbox environment based on your feedback. You'll now be able to: * Customize the number of accounts and... - [Announcing a new mobile experience for Plaid Link](https://plaid.com/blog/announcing-a-new-mobile-experience-for-plaid-link/): We're excited to share new Link product updates that we've been working on that improve the mobile experience and make it... - [Announcing Instant Pay-Ins on Plaid Transfer](https://plaid.com/blog/announcing-instant-pay-ins/): Plaid launches real-time pay-ins via Request for Payment—now powering instant payments for Carvana vehicle purchases. - [Phil Venables Joins Plaid as Security Advisor](https://plaid.com/blog/announcing-our-new-advisor/): Plaid is thrilled to announce Phil Venables, Google Cloud's Chief Information Security Officer (CISO), joins Plaid as an advisor. Read more. - [Introducing our new class of Plaid Accelerate startups](https://plaid.com/blog/announcing-plaid-accelerate-cohort-three/): Plaid Accelerate announced the third cohorts of companies and fintechs going through the program. - [The Next Phase of Developer Tools with Anthropic and Plaid](https://plaid.com/blog/anthropic-api-mcp/): Connect agents built with Anthropic’s API to Plaid’s MCP Server for real-time diagnostics, debugging, and support automation - [Building an Open Finance Future: Safe and Reliable Connectivity for All](https://plaid.com/blog/api-progress-update/): Plaid is the leader in open finance API connectivity. This blog gives an update to our progress on API connectivity with financial institutions of all sizes. - [Creating processes for API clarity and consistency](https://plaid.com/blog/api-review-council/): The primary way we enforce API consistency is through the API Review Council (APIRC). - [Introducing API secrets by environment](https://plaid.com/blog/api-secrets/): Starting today, distinct API secrets can be set for the Sandbox, Development, and Production environments. This allows you to easily grant varying levels of ... - [April Changelog](https://plaid.com/blog/april-changelog/): Welcome to the Plaid Changelog! Our Changelogs are a series of posts dedicated to highlighting the new products, features, and upgrades we launch each month.... - [Ashley Cornall on building roads that lead to highways as a Product Manager at Plaid](https://plaid.com/blog/ashley-cornall-on-building-roads-that-lead-to-highways-as-a-product-manager/): Get to know the people behind Plaid. - [Plaid Assets and Day 1 Certainty: a win-win solution for digital mortgage](https://plaid.com/blog/assets-d1c/): Today, we’re thrilled to announce that our Assets product is out of beta and Plaid is officially approved to supply asse... - [New Assets features including transaction insights](https://plaid.com/blog/assets-insights/): Since introducing Assets earlier this year, we received a lot of great feedback from lenders about how they are using the... - [Astra makes it easier for professionals to achieve their financial goals](https://plaid.com/blog/astra/): Astra uses a suite of Plaid products to quickly collect and display users’ spending data in real time, as well as authorize and execute ACH transfers - [Atom bank and Plaid join forces to lend SMEs a hand](https://plaid.com/blog/atom-bank-and-plaid-join-forces-to-lend-smes-a-hand/): Plaid is joining forces with Atom to offer SME owners a streamlined application journey to business loans. - [August Changelog](https://plaid.com/blog/august-2017-changelog/): We’re back with the August edition of the Changelog! We’ve been busy shipping improvements to our platform this summer, and we’re excited to share some highl... - [Authenticate payments faster with QR codes](https://plaid.com/blog/authenticate-payments-faster-with-qr-codes/): QR code authentication reduces friction from the Plaid account linking desktop experience, enabling your users to authenticate securely and quickly. - [AWS SSO in a DevOps first world](https://plaid.com/blog/aws-sso-devops/): In this post, we’ll talk about how we built end-to-end automated solutions for our DevOps scenarios with AWS SSO and our key learnings so far. - [Beacon adds bank account insights to help companies strengthen fraud defense](https://plaid.com/blog/beacon-adds-account-insights-fraud-detection/): Your defense against fraud just got stronger. Beacon, our anti-fraud network, adds bank account insights to detect, prevent, and fight fraud. Learn more. - [Behind the scenes with our design team: our design system, website, and more](https://plaid.com/blog/behind-the-scenes-with-design/): In case you missed it, Plaid launched a new website and design system a few months ago. In this post, I sit down with designers Elena Gil-Chang and Ryan “Smi... - [Benefits of writing our own application bootloader](https://plaid.com/blog/benefits-of-writing-our-own-application-bootloader/): There's a lot of variability in Plaid's 75+ internal services. Most of our services are written in Go, TypeScript, and Python. They can communicate with each... - [Better payments, better business](https://plaid.com/blog/better-payments-better-business/): Learn how Plaid is helping companies of all sizes boost conversion, manage fraud and risk, and seamlessly handle multi-rails. - [How Betterment enables 91% of users to maintain a higher median account balance with Plaid](https://plaid.com/blog/betterment-customer-story/): Betterment grows the lifetime value of users with Plaid, enabling 91% of users to maintain a higher median account balance. - [Bhargavi Kamakshivalli on her passion for building a more inclusive financial ecosystem](https://plaid.com/blog/bhargavi-kamakshivalli-on-her-passion-for-building-a-more-inclusive/): Get to know the people behind Plaid. - [Branch helps people with cash flow challenges take care of unplanned expenses](https://plaid.com/blog/branch/): Branch needed a way to quickly verify users’ debit cards. With Plaid, 84% of debit cards are verified within 1 day. 62% are verified within 45 seconds. - [Brigit uses cash flow data to help users improve financial health](https://plaid.com/blog/brigit/): Brigit needed a reliable way to access users’ bank transactions data. With Plaid, Brigit helps each of its users save, on average, $500 per year. - [Building a better customer experience for you](https://plaid.com/blog/building-a-better-customer-experience-for-you/): See how we’ve improved the quality of Plaid products as well as tools to provide greater visibility into your integration, support cases, and more. - [Building a better future for UK savers](https://plaid.com/blog/building-a-better-future-for-uk-savers/): There’s no financial sector in the UK in greater need of innovation than pensions. Every working individual in the union is automatically enrolled in a pensi... - [Building a new future: My path to becoming an engineering apprentice at Plaid](https://plaid.com/blog/building-a-new-future-my-path-to-becoming-an-engineering-apprentice-at-plaid/): Luke Yeom shares his experience as a member of Plaid's first Apprenticeship Program. - [Building a partner ecosystem for the future of payments](https://plaid.com/blog/building-a-partner-ecosystem-for-the-future-of-payments/): Plaid has built a payment partner ecosystem to make account-based payments simpler. - [Building a spiky org](https://plaid.com/blog/building-a-spiky-org/): A few months ago, I spoke on the SFELC podcast (Part I - [Building an Inclusive Code Review Culture](https://plaid.com/blog/building-an-inclusive-code-review-culture/): Every engineer is familiar with code reviews, and many before us have compiled thoughts and suggestions on how to do them. Code reviews have an outsized impa... - [Building an Income verification product for every American](https://plaid.com/blog/building-an-income-verification-product-for-every-american/): Plaid provides an income verification product that can be utilized by every american - [Building for the next 1,000 developers](https://plaid.com/blog/building-for-the-next-thousand-developers/): Over the past few months, we talked to developers to understand their experience with Plaid. Here's how our learnings are shaping Plaid's 2021 roadmap. - [Expanded Canadian coverage and country filtering in Link](https://plaid.com/blog/canadian-coverage-and-country-filter/): We’ve continued to expand institution coverage in Canada since we launched in the country last year. Recently, we a... - [Carvana uses Plaid to drive profitability](https://plaid.com/blog/carvana/): Carvana needed to modernize its digital payment process. With Plaid, Carvana customers can quickly set up accounts with their online banking credentials. - [Unlock smarter lending with our ecosystem partners](https://plaid.com/blog/cash-flow-data-ecosystem-partners/): Cash flow data is essential to modern lending. Learn how Plaid and our partners are bringing real-time insights into loan workflows to boost lending outcomes. - [Moving beyond alternative data — cash flow underwriting becomes industry standard](https://plaid.com/blog/cash-flow-underwriting-industry-standard/): It's now even easier for lenders to access real-time cash flow data Plaid’s new hosted Link solution. Read our blog to learn more. - [Unlock cash flow underwriting with no code required](https://plaid.com/blog/cash-flow-underwriting-no-code/): Plaid is introducing the Credit Dashboard, a new no-code solution designed to accelerate speed to market for lenders. - [The CFPB’s final 1033 rule and the future of open finance](https://plaid.com/blog/cfpb-open-banking-rule-announced/): The CFPB announced the open banking rule, commonly known as section 1033. Learn more about what 1033 entails and how it applies to you. - [Changelog - 2018 Year in Review](https://plaid.com/blog/changelog-2018-year-in-review/): 2018 was an exciting year for everyone in fintech. As we kickoff the new year here at Plaid, here’s a look back at our product launches, improvements, and m... - [Changelog - 2019 Year in Review](https://plaid.com/blog/changelog-2019-year-in-review/): 2019 was a big year for us at Plaid—from the Quovo acquisition /quovo/ and the release of exciting new products such as Investments /investments/ and Li... - [Changelog - April 2018](https://plaid.com/blog/changelog-april-2018/): Here is a summary of what we've been working on over the last month: * Assets: We announced that our new Assets h... - [Changelog - April 2019](https://plaid.com/blog/changelog-april-2019/): Highlights from what we've been working on over the last month: Institutions: We upgraded dozens of institutions including Boeing Employees Credit Union, Vy... - [Changelog - April 2020](https://plaid.com/blog/changelog-april-2020/): Highlights from what we've been working on over the last month: SBA Verification: We launched a free solution that enables small businesses to share relevan... - [April 2023 Changelog](https://plaid.com/blog/changelog-april-2023/): Check out all the latest Plaid features, updates, and bug fixes in the April changelog. - [Changelog - August 2018](https://plaid.com/blog/changelog-august-2018/): Here is a summary of what we've shipped over the last month: * Institutions: We expanded our Identity institution coverage to over 2,100 institutions, ... - [Changelog - August 2019](https://plaid.com/blog/changelog-august-2019/): Highlights from what we've been working on over the last month: Assets: We updated the naming convention for the state and zip fields to region and p... - [Changelog - August 2020](https://plaid.com/blog/changelog-august-2020/): Highlights from what we've been working on over the past month: Improved error messaging in Link: We updated error messages to provide more actionable instr... - [Changelog - February 2019](https://plaid.com/blog/changelog-february-2019/): Highlights from what we've been working on over the last month: Auth: We launched new features for Auth enabling develop... - [Changelog - February 2020](https://plaid.com/blog/changelog-february-2020/): Highlights from what we've been working on over the last month: Transactions: We introduced an optional refresh feature - [Changelog - January 2020](https://plaid.com/blog/changelog-january-2020/): Highlights from what we've been working on over the last month: Transactions: We added store_number, authorized_date, and payment_channel to the /transacti... - [Changelog - July 2018](https://plaid.com/blog/changelog-july-2018/): Here are highlights from among the things we've been working on over the last month: * Institutions: We expanded our Auth - [Changelog - July 2019](https://plaid.com/blog/changelog-july-2019/): Highlights from what we've been working on over the last month: Liabilities: We launched Liabilities which enables d... - [Changelog - July 2020](https://plaid.com/blog/changelog-july-2020/): Highlights from what we've been working on over the past month: Link tokens & Link event logs: We launched /introducing-link-tokens-and-link-event-logs/ ... - [Changelog - June 2018](https://plaid.com/blog/changelog-june-2018/): Here is a summary of what we've shipped over the last month: * Institutions: We significantly expanded coverage during June, for example adding support... - [Changelog - June 2019](https://plaid.com/blog/changelog-june-2019/): Highlights from what we've been working on over the last month: Investments: We launched Investments which allows dev... - [Changelog - June 2020](https://plaid.com/blog/changelog-june-2020/): Highlights from what we've been working on over the past month: New Transactions field (US & Canada): We added a new ‘merchant_name’ field to the /transacti... - [Changelog - March 2018](https://plaid.com/blog/changelog-march-2018/): Here is a summary of what we've been working on over the last month: * Link Web: We made major improvements to the Link Web experience on mobile browse... - [Changelog - March 2019](https://plaid.com/blog/changelog-march-2019/): Highlights from what we've been working on over the last month: Institutions: We added support for Varo Money and over 20 Canadian credit unions including C... - [Changelog - March 2020](https://plaid.com/blog/changelog-march-2020/): Highlights from what we've been working on over the last month: The Netherlands: We launched /plaid-in-the-netherlands/ support for the largest financial ... - [March 2023 Changelog](https://plaid.com/blog/changelog-march-2023/): Check out all the latest Plaid features, updates, and bug fixes in the March changelog. - [Changelog - May 2018](https://plaid.com/blog/changelog-may-2018/): Here is a summary of what we've shipped over the last month: * Canada: We announced support for Canadian fina... - [Changelog - May 2019](https://plaid.com/blog/changelog-may-2019/): Highlights from what we've been working on over the last month: Plaid in the UK: We launched Transactions, Identit... - [Changelog - May 2020](https://plaid.com/blog/changelog-may-2020/): Highlights from what we've been working on over the last month: Plaid Exchange: We launched /introducing-plaid-exchange/ a new open finance platform that ... - [May & June Changelog](https://plaid.com/blog/changelog-may-june-2023/): Check out all the latest Plaid features, updates, and bug fixes in the May and June changelog. - [Changelog - November 2018](https://plaid.com/blog/changelog-november-2018/): Highlights from what we've been working on over the last month: * Institutions: We added support for ATB Financial while making a range of quality and ... - [Changelog - November 2019](https://plaid.com/blog/changelog-november-2019/): Highlights from what we've been working on over the last month: France, Spain, and Ireland: We launched Plaid in France, Spain, and Ireland /plaid-in-franc... - [Changelog - October 2018](https://plaid.com/blog/changelog-october-2018/): Here are a few highlights from what we've been working on over the last month: * Transactions: We made major improvements to how we match pending transact... - [Changelog - October 2019](https://plaid.com/blog/changelog-october-2019/): Highlights from what we've been working on over the last month: Institution Status: We’ve updated institution status to include the success rates of Balance... - [Changelog - September 2018](https://plaid.com/blog/changelog-september-2018/): Here are a few highlights from what we've been working on over the last month: * Institutions: We added Identity sup... - [Changelog - September 2019](https://plaid.com/blog/changelog-september-2019/): Highlights from what we've been working on over the last month: UK: We added support for even more institutions using Open Banking APIs, including popular n... - [Changelog - September 2020](https://plaid.com/blog/changelog-september-2020/): Highlights from what we've been working on over the past month: Plaid Exchange instant account activity: We launched instant account activity /instant-acco... - [Safe, convenient, and reliable data access for consumers](https://plaid.com/blog/chase/): Ten years ago, the first wave of fintech companies sowed the seeds for dramatic change by offering technology-led, user-centric, digitally-optimized experien... - [New credit insights for driving growth and managing risk with Consumer Report](https://plaid.com/blog/check-cra-cash-flow-data-credit-insights/): Cash flow data is a big asset in underwriting and loan decisioning. Plaid's new product enhancements help make cash flow data more actionable and impactful. - [Clear Books helps small businesses simplify accounting](https://plaid.com/blog/clear-books-customer-story/): Plaid provides Clear Books with payment account information feeds that simplify accounting for small businesses, giving users a view of their finances. - [Identity verification platform Cognito is joining Plaid](https://plaid.com/blog/cognito-joins-plaid/): Cognito provides compliance technology to simplify identity verification when signing up for digital finance, preventing fraud and meeting safety requirements. - [Our commitment to building an inclusive financial ecosystem](https://plaid.com/blog/commitment-to-inclusive-financial-ecosystem/): We’re proud to announce that we’ve recently joined the Center for Financial Services Innovation’s (CFSI) Financial Health Networ... - [ConfigDB: from chaos to confidence with our unified app config stack](https://plaid.com/blog/configdb-from-chaos-to-confidence-with-our-unified-app-config-stack/): This article is a part of our engineering blog series where we take a deep-dive into our code, APIs, and documentation. - [The Fintech Effect 2023: Consumer insights reveal growth opportunities ahead](https://plaid.com/blog/consumer-insights-reshaping-finance/): Discover how consumers are using fintech in their daily lives, what they expect of financial services, and their behaviors are changing over time. - [Creating a Consumer-centered Financial Services Industry](https://plaid.com/blog/creating-a-consumer-centered-financial-services-industry/): There has never been a more urgent need to create equity and opportunity for consumers in financial services. Throughout my career, I’ve sought out organiz... - [Cristina Ciaravalli on creating a path for the next generation of fintech sales professionals](https://plaid.com/blog/cristina-ciaravalli-on-creating-a-path-for-the-next-generation-of-fintech/): Get to know the people behind Plaid. - [Curve and Plaid team up to make money easier](https://plaid.com/blog/curve-and-plaid-team-up-to-make-money-easier/): Plaid is joining forces with Curve to help give people a holistic view of their money, make the most of their spending, and improve their financial wellbeing. - [Customer Newsletter](https://plaid.com/blog/customer-newsletter/): Learn about Plaid's latest products, feature enhancements, company events, industry news, and more. - [Daniel LaCoste on the reward of helping others](https://plaid.com/blog/daniel-lacoste-on-the-reward-of-helping-others/): Get to know the people behind Plaid. - [Darius Simmons on the importance of finding your community](https://plaid.com/blog/darius-simmons-on-the-importance-of-finding-your-community/): Get to know the people behind Plaid. - [Two-factor authentication for the Dashboard](https://plaid.com/blog/dashboard-2fa/): As part of our ongoing commitment to security, we’re launching two-factor authentication for the Dashboard to... - [Enhanced Access Management for Plaid Dashboard](https://plaid.com/blog/dashboard-enhancements-may-2025/): New enterprise-grade features make it easier to manage your Plaid integration. Enhanced security with SSO, SCIM, SAML Roles, and detailed Audit Logs. - [Do more faster with the new Plaid dashboard](https://plaid.com/blog/dashboard-redesign-2023/): Plaid's updated dashboard design makes it easier to find all the tools you need and discover new ones. - [Announcing Plaid Portal: An ongoing commitment to data privacy](https://plaid.com/blog/data-privacy-week-2022/): We’re excited to announce Plaid Portal US, a privacy tool for people who have connected their financial accounts to apps and services in the US by using Plaid. - [Data quality drives better fintech experiences](https://plaid.com/blog/data-quality-drives-better-fintech-experiences/): Ever wonder how your favorite fintech apps get accurate and updated user-permissioned data? - [Debug user issues with new enhancements to Institution Status](https://plaid.com/blog/debug-user-issues-with-new-enhancements-to-institution-status/): Introducing historical and client-specific views of institution health directly in the Dashboard. - [Leading digital asset exchanges join the Plaid network](https://plaid.com/blog/digital-asset-exchanges/): Plaid adds crypto exchanges to the network - [Digital finance is everywhere, but it’s just getting started](https://plaid.com/blog/digital-finance-is-everywhere-but-its-just-getting-started/): Plaid raises Series D to support growth of fintech and enable the next generation of digital financial services - [Transaction Dupes - Debugging multiple race conditions](https://plaid.com/blog/distributed-duplicate-detective/): Last summer, we started receiving feedback from a few customers that they were being notified about pairs of new transactions that appeared to be duplicates ... - [Introducing DMV checks: License verification to fight fraud](https://plaid.com/blog/dmv-checks-license-verification-fight-fraud/): Plaid introduces DMV checks, adding DMV license verification to strengthen identity verification & fight fraud. Learn how to stay ahead of deepfakes. - [Driving Towards an Open Finance Future](https://plaid.com/blog/driving-towards-an-open-finance-future/): Plaid and Capital One announce an open finance partnership. Users will have secure, reliable access to the 5,000+ fintech apps and services powered by Plaid. - [Understanding DSA, DMA and Plaid’s Role in Verification](https://plaid.com/blog/dsa-dma-digital-regulation-bank-verification/): Explore how Europe’s DSA and DMA reshape digital platforms. Learn how Plaid supports compliance with fast, secure bank account verification and user protection. - [Dun & Bradstreet brings alternative data to small business credit profiles, powered by Plaid](https://plaid.com/blog/dun-and-bradstreet-brings-alternative-data-to-small-business-credit-profiles/): First solution to incorporate permissioned bank data to help unlock growth opportunities for small businesses. - [Easier troubleshooting with event logs and status improvements](https://plaid.com/blog/easier-troubleshooting-with-event-logs-and-status-improvements/): Having the right tools to monitor external systems can make or break your ability to provide a smooth experience for your users. At Plaid, we know these tool... - [Join us at Plaid Effects 2024 to discuss the future of finance](https://plaid.com/blog/effects-2024-building-the-future-of-finance/): The shift to open banking brings new market opportunities to financial technology. Learn about the products shaping the future of finance at Plaid Effects. - [The biggest product updates from Plaid Effects](https://plaid.com/blog/effects-2024-recap/): We expect everything to work almost instantaneously. At Plaid Effects 2024, we shared product updates that promote secure, instant experiences. Learn more. - [Elena Branchini on helping candidates find a home at Plaid](https://plaid.com/blog/elena-branchini-on-helping-candidates-find-a-home-at-plaid/): Get to know the people behind Plaid. - [Emily Downs on building out Plaid's HR team](https://plaid.com/blog/emily-downs/): Get to know the people behind Plaid. - [Enhancements to Plaid Link for an improved user experience](https://plaid.com/blog/enhancements-to-link-for-an-improved-user-experience/): Plaid Link enhancements provide an even more intuitive and consistent experience for people to conveniently connect their accounts to their chosen applications. - [Now you can enjoy 180 days of secure connectivity in Europe](https://plaid.com/blog/eu-reauth-update/): The reauthentication rules in the EU are changing so consent now lasts for 180 days. - [Making underwriting simpler: Introducing the Financial Insights Report](https://plaid.com/blog/europe-financial-insights-report/): Learn more about the Financial Insights Report, which helps lenders improve the borrower experience and workflows. - [New Frontiers in Lending: Transforming the Borrowing Experience in Europe](https://plaid.com/blog/europe-lending-transforming-the-borrowing-experience/): New Frontiers in Lending - [The Promise of PSD3: Modernising Open Banking with API access at the forefront](https://plaid.com/blog/europe-psd3/): The Promise of PSD3: Modernising Open Banking with API access at the forefront - [Making the returning user flow smoother in Europe: How we boosted conversions by up to 11%](https://plaid.com/blog/europe-returninguser-updates/): Plaid’s new returning user features have driven up to 11% higher conversion across Europe by removing friction and making reconnection seamless. - [Streamline Tenant Referencing with Open Banking & Identity Verification](https://plaid.com/blog/europe-tenant-referencing/): Streamline Tenant Referencing with Open Banking & Identity Verification - [Key Trends Shaping Fintech Across the UK and Europe in 2024](https://plaid.com/blog/europe2024predictions/): It's no secret that we’re evolving into a fundamentally new era in financial services. In this blog we're going to explore our fintech predictions for 2024. - [Exploring performance differences between Amazon Aurora and vanilla MySQL](https://plaid.com/blog/exploring-performance-differences-between-amazon-aurora-and-vanilla-mysql/): Amazon’s Aurora MySQL is Plaid’s primary relational database. - [The FCA’s 2030 Vision: The Time to Deliver Is Now](https://plaid.com/blog/fca-2030-vision/): The FCA urges UK finance to scale Open Banking, VRPs, and Open Finance to deliver real consumer value. - [FCA registration and how Plaid can help](https://plaid.com/blog/fca-registration-and-how-plaid-can-help/): In January of 2018, the revised Payment Services Directive (PSD2) went into effect across the UK and Europe. This opened up the banking industry to new playe... - [Changelog - February 2018](https://plaid.com/blog/february-2018-changelog/): LINK We released version 1.1.5 of Link for iOS, which improved error handling during initializa... - [Unlocking instant: How FedNow changes the payments game](https://plaid.com/blog/fednow-instant-payments/): FedNow instant payments are the future, but where are we today? Discover Plaid’s solution for instant debit, which Fednow isn’t offering quite yet. - [The key to fighting fraud at scale](https://plaid.com/blog/fight-fraud-scale/): Risk teams can fight fraud more effectively by using network-based strategies, which involve incorporating risk signals from the broader fintech ecosystem. - [Financial Access at Plaid](https://plaid.com/blog/financial-access-at-plaid/): The rapid digital transformation of our industry has created a unique opportunity to help people lead healthier financial lives. However, the economic fallou... - [How does interoperability support API data connectivity?](https://plaid.com/blog/financial-access-interoperability/): Interoperability supports data connectivity and data access - [Access to financial data helps consumers navigate a difficult economy](https://plaid.com/blog/financial-access-navigate-economy/): Financial service providers play a critical role in helping consumers tap into the benefits of data connectivity, especially during economic uncertainty. - [The CFPB’s open banking proposal and pay-by-bank developments](https://plaid.com/blog/financial-access-newsletter-december-2023/): Accelerating API strategies in light of the CFPB’s open banking proposal, widespread consumer adoption of online payments and multiple fintech apps - [Financial Access Newsletter - February 2022](https://plaid.com/blog/financial-access-newsletter-February-2022/): Learn how we're working with financial institutions to improve data security standards and enable API connectivity for millions of consumers - [Financial Access Newsletter - July, 2023](https://plaid.com/blog/financial-access-newsletter-july-2023/): Better digital experiences for your customers - [Financial Access Newsletter - March, 2023](https://plaid.com/blog/financial-access-newsletter-march-2023/): Delivering data privacy and transparency - [Financial Access Newsletter - May 2022](https://plaid.com/blog/financial-access-newsletter-may-2022/): Plaid is taking an API-first approach to data connectivity - [Financial Access Newsletter- November 2021](https://plaid.com/blog/financial-access-newsletter-November-2021/): Plaid is committed to advancing core industry-wide data access objectives around consumer safety, security and innovation. - [Making sense of data access approaches](https://plaid.com/blog/financial-data-access-methods/): Consumer access to financial data has become a hot topic of late—and with good reason. U.S. consumers are embracing a proliferation of digital financial serv... - [For Financial Gym, a balanced budget starts with clean data](https://plaid.com/blog/financial-gym/): Financial Gym was able to quickly connect its existing system with Plaid Transactions, which seamlessly links with clients’ bank and credit card accounts. - [Finding the right fit: How Plaid reconciles pending and posted transactions](https://plaid.com/blog/finding-the-right-fit-how-plaid-reconciles-pending-and-posted-transactions/): Plaid's API helps developers provide financial services to tens of millions of consumers across North America. These services help consumers manage their per... - [The evolution of identify verification and the future of fintech](https://plaid.com/blog/fintech-business-weekly-idv/): Alain Meier, Head of Identity at Plaid, talks with Fintech Business Weekly about the latest innovations in identity verification and digital finance. - [Plaid’s 2022 Consumer Survey: The Fintech Effect](https://plaid.com/blog/fintech-effect-report-2022/): Plaid is excited to share these among many other findings in our third annual Fintech Effect report, based on a sponsored survey with The Harris Poll. - [UK consumers double down on fintech use through a turbulent economy](https://plaid.com/blog/fintech-effect-uk-consumers/): The Fintech Effect is an annual report published by Plaid, which gathers insights on fintech’s consumer impact by surveying respondents in the UK and the US. - [Fintech everywhere is underway](https://plaid.com/blog/fintech-everywhere-is-underway/): In light of what’s going on in the world, the need for a digitally delivered financial system has never been more pressing. During this crisis people are lea... - [Bringing innovation thinking to policy, and policy understanding to innovation](https://plaid.com/blog/fintech-moneypot-regulatory-podcast/): Open finance will only reach its full potential if there’s a careful balance between fintech innovation and regulatory guidelines - [How the fintech revolution will lift all boats](https://plaid.com/blog/fintech-revolution-lift-boats/): Banks, credit unions, and other financial services providers support digital banking transformation and want to deliver the best experience to customers. - [Fintech Request for Startups](https://plaid.com/blog/fintech-rfc/): The past five years have brought significant excitement to financial services. From a consumer perspective, there have been more products launched in this pe... - [Fintech Without Borders: Creating Seamless Financial Experiences Across the Atlantic](https://plaid.com/blog/fintech-without-borders/): Fintech Without Borders: Creating Seamless Financial Experiences Across the Atlantic - [How to maximize business growth while complying with FINTRAC](https://plaid.com/blog/fintrac-regulations-webinar/): Learn how to to comply with Canada's FINTRAC identity verification guidelines while building and expanding your open finance solution. - [Plaid named a Leader in open banking intermediaries](https://plaid.com/blog/forrester-report-2023/): Plaid is proud to be named a Leader in The Forrester Wave™️: Open Banking Intermediaries, Q1 2023 report. - [Strengthening fraud defenses in the era of data breaches](https://plaid.com/blog/fraud-defenses-data-breaches/): Learn how we’re including data breach data into Plaid Beacon to help organizations better protect themselves and their users from fraud and abuse. - [3 strategies to fight fraud in 2023](https://plaid.com/blog/fraud-prevention-strategy-2023/): Improve your fraud prevention and risk management strategy for the year ahead. - [The rising tide of fraud: How fintechs can fight back](https://plaid.com/blog/fraud-rising-tide/): Risk leaders say the volume, variety, and sophistication of fraud attacks are all on the rise. Here's how fintechs can fight back. - [Get access to the FedNow Service via Plaid Transfer](https://plaid.com/blog/get-access-to-the-fednow-service-via-plaid-transfer/): Plaid is proud to enable FedNow access on Plaid Transfer, our flexible platform to manage bank-linked transfers and payments. - [Getting Started with Plaid Transactions](https://plaid.com/blog/getting-started/): This quickstart guide will get you up and running with Plaid Transactions (previously known as Connect), which allows you to retrieve user-authorized transac... - [Giving new meaning to “pay phone”: The year in review and where European fintech is headed in 2022](https://plaid.com/blog/giving-new-meaning-to-pay-phone-the-year-in-review-and-where-european/): 2021 demonstrated that fintech’s disruptive influence is particularly prominent in Europe.  - [Open finance efforts drive financial inclusion](https://plaid.com/blog/green-dot-integrates-with-plaid-exchange/): Plaid's open finance partnership with Green Dot’s digital bank GO2bank enables consumer fintech connectivity, including to the underbanked. - [Growing our team with retrospectives](https://plaid.com/blog/growing-our-team-with-retrospectives/): In my years in tech and leadership, one thing I have learned about myself is that I hate telling people what to do. That might sound weird coming from a mana... - [How we migrated our website from Handlebars to React in 12 weeks](https://plaid.com/blog/handlebars-to-react-migration/): TL;DR: We built an automated tool that let us incrementally migrate, while keeping up regular feature work and maintenance. As a company, Plaid has reached... - [Goodbye Dockerfile, Hello Bazel: Doubling Our CI Speed](https://plaid.com/blog/hello-bazel/): Plaid cut CI times by 50% & shrank images by 90% migrating 150+ Go services from Dockerfile to Bazel. Learn how we chose a remote cache & more. - [Prosper offers loans that are socially and financially rewarding](https://plaid.com/blog/helping-people-invest-in-each-other/): With Plaid, Prosper’s customers successfully connect their bank accounts about 80% of the time (an industry leading rate), versus 60% with a prior vendor. - [Highlights from Day 1 at Plaid Forum](https://plaid.com/blog/highlights-from-day-1-at-plaid-forum/): New products to help you accelerate your business - [Highlights from Day 2 at Plaid Forum](https://plaid.com/blog/highlights-from-day-2-at-plaid-forum/): Launch and grow with Plaid! Product news for developers: a new ACH product for lenders, Pattern apps, new Client Libraries, Dashboard and OAuth resources - [How data portability maximizes crypto’s value](https://plaid.com/blog/how-data-portability-maximizes-crypto-value/): How portability increases crypto’s universal value, how Plaid works across the spectrum, how to enable seamless onboarding, and what keeps Web3 safe and secure. - [How listening to developers improved our API docs](https://plaid.com/blog/how-listening-to-developers-improved-our-api-docs/): A sneak peek into how we improved our documentation over the last year. - [How many financial institutions are in the U.S.?](https://plaid.com/blog/how-many-fis/): It might seem like a simple thing to establish how many financial institutions are in the United States. After all, this is pretty important when you’re esta... - [How Plaid parses transaction data](https://plaid.com/blog/how-plaid-parses-transaction-data/): At Plaid, we link financial accounts to applications, removing the need for our customers to build individual connections to financial institutions and sta... - [Delivering a safe and secure open finance system for all](https://plaid.com/blog/how-plaid-protects-consumers-in-open-finance/): Plaid is the leader in both open finance tools and security measures for consumers who engage in digital finance. - [How to make re-authentication better: our response to the FCA’s consultation](https://plaid.com/blog/how-to-make-re-authentication-better-our-response-to-the-fcas-consultation/): How to make re-authentication better: our response to the FCA’s consultation - [How UK banks will benefit from VRPs](https://plaid.com/blog/how-uk-banks-will-benefit-from-VRPs/): With the CMA’s decision to mandate variable recurring payments (VRPs) as the mechanism for sweeping, the UK payment landscape is on the verge of change. - [How we built developer efficiency at Plaid](https://plaid.com/blog/how-we-built-developer-efficiency-at-plaid/): For the longest time, Plaid was a company with just a few engineers primarily focusing on the product and execution. Everyone was working on the product to c... - [How we 30x'd our Node parallelism](https://plaid.com/blog/how-we-parallelized-our-node-service-by-30x/): What's the best way to safely increase parallelism in a production Node service? That's a question my team needed to answer a couple of months ago. We were ... - [How we reduced deployment times by 95%](https://plaid.com/blog/how-we-reduced-deployment-times-by-95/): As Plaid grows, so does the scale of our infrastructure. We currently run over 20 internal services and deploy over 50 code commits per day across our core ... - [How we scaled our logging stack by creating per-team budgets](https://plaid.com/blog/how-we-scaled-our-logging-stack-by-creating-per-team-budgets/): Our strategy designing the logging stack was to optimize for a simple, seamless experience from the point of view of engineers writing and querying logs. - [How we stopped memory intensive queries from crashing ElasticSearch](https://plaid.com/blog/how-we-stopped-memory-intensive-queries-from-crashing-elasticsearch/): At Plaid we make heavy use of Amazon-hosted ElasticSearch for real time log analysis — everything from finding the root cause of produc... - [Zeta helps millennial couples achieve financial agency](https://plaid.com/blog/how-zeta-helps-millennial-couples-achieve-financial-agency/): With Plaid at its foundation, Zeta went from concept to fully integrated in 5 months. Zeta also saved millions of dollars with Plaid versus an in-house API. - [Channeling the power of identity data](https://plaid.com/blog/identity-primer/): Recent innovation in financial services has allowed consumers to share their data in the platforms of their choice. These data run the gamut from historical ... - [Enabling safe and fast ID verification in Canada](https://plaid.com/blog/identity-verification-canada/): Verify identities in seconds, prevent fraud, and comply with FINTRAC verification guidelines with Plaid. - [Faster digital onboarding and smarter fraud prevention](https://plaid.com/blog/idv-digital-onboarding-fraud-prevention/): New features added to Plaid Identity Verification that help prevent fraud and improve the digital onboarding experience for customers. Learn more. - [From Open Banking to Open Data, the panel at Innovate Finance Global Summit](https://plaid.com/blog/ifgs-open-data-panel/): IFGS Open Data Panel - [The primacy of identity verification in the age of fintech and crypto](https://plaid.com/blog/importance-identity-verification/): Alain Meier, Head of Identity at Plaid, spoke with Fintech Blueprint host Lex Sokolin about identity verification technology and where the market is heading - [Improvements to Plaid Link with account filtering and updated error messaging](https://plaid.com/blog/improvements-to-plaid-link-with-account-filtering-and-updated-error-messaging/): We’re continually iterating on Plaid Link to improve the experience for you and your users. That’s why we’re excited to share two additional enhancements to ... - [Improving the developer experience with our API](https://plaid.com/blog/improving-our-api/): We’re excited to announce upgrades and enhancements to our API — including simplified endpoints, redesigned docs and client libraries, a new sandbox, and a ... - [Improving the payments experience in the UK](https://plaid.com/blog/improving-the-payments-experience/): Modular Link enables you to customise your user interface, without the challenges of front-end integration complexities, to optimise your open banking UX. - [Improving the UK’s rental experience one tenant at a time](https://plaid.com/blog/improving-the-uks-rental-experience-one-tenant-at-a-time/): In recent years, developments in open banking and fintech have enabled consumers to manage their financial lives in new and creative ways. These include simp... - [Build a more inclusive credit system with Plaid Income](https://plaid.com/blog/inclusive-credit-system-plaid-income/): Introducing Plaid Income: Deliver fast and easy income verification—because income verification should be a smooth experience for both lenders and consumers. - [Plaid expands income verification suite, adding more automation and anti-fraud](https://plaid.com/blog/income-automation-anti-fraud/): Plaid is excited to share how we’re improving Plaid Income to help you boost automation while curbing fraud risk. - [Initiating: Payments in Europe](https://plaid.com/blog/initiating-payments-in-europe/): The payments race is heating up in Europe. Payment initiation services are taking off and we’re ready to rumble. Here's why PIS is a game changer for the EU - [Inside the design of Plaid Link](https://plaid.com/blog/inside-link-design/): Back when we first started Plaid, we set out to build APIs that would provide the most seamless way possible for developers to integrate with financial insti... - [Get instant updates to account activity through Plaid Exchange](https://plaid.com/blog/instant-account-activity-plaid-exchange/): In May, we launched /introducing-plaid-exchange/ Plaid Exchange, an open finance solution for institutions. With growing demand for digital financial servi... - [An easier way to manage ACH return risk with Signal Dashboard](https://plaid.com/blog/instant-ach-for-all/): Learn how Signal Dashboard helps you analyze ACH return risk in real time, make smarter risk decisions, and move money faster and safer for customers. - [Instant payments - A gateway to digital finance in Europe](https://plaid.com/blog/instant-payments-europe/): Instant payments are electronic retail payments that are settled virtually in real-time, all the time—including weekends—via the SEPA SCT Inst. Scheme. - [Greater transparency for institution, Item, and system status](https://plaid.com/blog/institution-item-system-status/): Today we’re releasing new Dashboard and API functionality to provide real-time status across bank integrations and Plaid systems. Institution and Item statu... - [Meet Plaid's Engineering Interns](https://plaid.com/blog/intern/): Plaid's inaugural class of engineering interns have shipped their projects and are back at school. We asked how their summer went. Our four interns for summ... - [5 Ways Plaid Simplifies International Expansion Between Europe and North America](https://plaid.com/blog/internationalexpansion/): Plaid can help you navigate the complexities of new markets with speed and ease. We'll cover 5 ways Plaid simplifies the process of expanding into Europe. - [Plaid’s Data Connectivity solutions enable industry-aligned access to fintech applications](https://plaid.com/blog/introducing-data-connectivity-solutions/): Plaid’s Data Connectivity solutions enable industry-aligned access to fintech applications - [Our commitment to continually enhancing consumer transparency](https://plaid.com/blog/introducing-data-transparency-messaging/): With Data Tranparency Messaging, it’s now easier to see what type of information an app is requesting, such as transaction history to help create a budget. - [Introducing fraud calibration and Trust Index for Plaid Identity Verification](https://plaid.com/blog/introducing-fraud-calibration-trust-index/): Announcing new features for IDV: fraud calibration, scores for your verification funnel, and Plaid Trust Index. Get a better picture of your users with Plaid. - [Introducing Plaid Identity Verification and Monitor](https://plaid.com/blog/introducing-identity-verification/): Reduce fraud, improve conversion, and achieve AML and KYC compliance with Plaid Identity Verification and Monitor. - [Introducing Investments Move: A better way to transfer assets and grow AUM](https://plaid.com/blog/introducing-investments-move/): Simplify investment transfers. Investments Move eliminates manual data entry and streamlines data collection for an ACATS transfer in just a few clicks. - [Introducing Link tokens and Link event logs](https://plaid.com/blog/introducing-link-tokens-and-link-event-logs/): We’re consistently working to strengthen the infrastructure and security of our ecosystem. Today, we’re releasing two updates to Link–Link tokens and Link ev... - [Introducing Payouts in the UK - enabling your users to instantly make withdrawals and refunds](https://plaid.com/blog/introducing-payouts-in-the-uk/): To help drive adoption for open banking payments and make it a full stack payment solution, today we’re excited to announce a new product–Payouts. - [Introducing Beacon](https://plaid.com/blog/introducing-plaid-beacon/): Learn more about Plaid Beacon, the anti-fraud network for fintechs and financial institutions, that's creating a safer digital finance ecosystem. - [Introducing Consumer Report: Making better credit risk decisions with Plaid](https://plaid.com/blog/introducing-plaid-check-cra-consumer-report/): Credit scores offer a small lens into a consumer's finances. Unlock lending opportunities with Consumer Report offered through Plaid Check. - [Introducing Plaid Exchange](https://plaid.com/blog/introducing-plaid-exchange/): The financial ecosystem is undergoing an unprecedented digital transformationdue to new realities brought on by COVID-19. Consumers and businesses haveturn... - [Introducing Plaid Income: Delivering easier and faster income verification](https://plaid.com/blog/introducing-plaid-income/): Income, a new beta product, makes it easier for applicants to prove their income in order to secure loans, qualify for mortgages, rent apartments, and more. - [Introducing Plaid Layer: The future of secure instant financial experiences](https://plaid.com/blog/introducing-plaid-layer/): Plaid Layer is a new platform for secure, instant experiences that transforms how people use financial services—starting with onboarding. - [Introducing Plaid Link SDKs for Android and React Native](https://plaid.com/blog/introducing-plaid-link-sdks-for-android-and-react-native/): Today, we’re excited to announce new Plaid Link SDKs on Android and React Native. This makes it easier to integrate with Plaid across mobile devices, and giv... - [Introducing Plaid’s Industry Advisory Board](https://plaid.com/blog/introducing-plaids-industry-advisory-board/): Plaid introduces its Industry Advisory Board to better understand the complexities of opportunities and challenges facing all industry participants. - [Put greater data privacy control into the hands of consumers with Plaid's Privacy Controls suite](https://plaid.com/blog/introducing-privacy-controls/): Plaid is helping our data partners deliver privacy solutions that put consumers in charge of their financial data. - [Introducing the new and improved Dashboard](https://plaid.com/blog/introducing-the-new-and-improved-dashboard/): Today, we’re excited to announce that we’ve shipped a new, completely redesigned Dashboard New look and feel It’s hard to mi... - [Introducing the Plaid Apprenticeship Program](https://plaid.com/blog/introducing-the-plaid-apprenticeship-program/): The Plaid Apprenticeship Program invites talented candidates from non-traditional software engineering backgrounds to build at Plaid. - [Powering healthier financial futures with Investments](https://plaid.com/blog/investments/): We’re excited to announce the launch of Investments a product that enables developers, fintech apps, and financial ... - [Solve user issues with our new Item Debugger and improvements to Institution Status](https://plaid.com/blog/item-debugger-institution-status/): Introducing the new Item Debugger and improvements to institution status to help you solve user issues. - [A Third-Party Provider’s time to shine: Plaid’s take on the JROC report](https://plaid.com/blog/jroc-report-2023/): The JROC report was released in the UK last month. This blog gives Plaid’s take on the highlights and what’s missing. - [July Changelog](https://plaid.com/blog/july-changelog/): Welcome back to the Plaid Changelog! The Changelog is your go-to place to get the latest on the products, features, and upgrades we launch each month. Curio... - [June Changelog](https://plaid.com/blog/june-changelog/): Welcome to the Plaid Changelog! Our Changelogs are a series of posts dedicated to highlighting the new products, features, and upgrades we launch each month.... - [Leveling the playing field to enable more voices in fintech](https://plaid.com/blog/launching-accelerate/): Plaid launches Plaid Accelerate, an incubator program to empower early-stage entrepreneurs that are Black, Indigenous, or People of Color - [The power of cash flow underwriting with instant onboarding: Introducing Layer and Consumer Report](https://plaid.com/blog/layer-consumer-report-instant-onboarding/): Credit reports often lack real-time details that are important for lenders. With Plaid, lenders can now leverage instant onboarding and cash flow data. - [Leading Fintechs Join the Plaid Network](https://plaid.com/blog/leading-fintechs-join-the-plaid-network/): Consumers can now connect their accounts from fintechs like Robinhood, Chime, and Dave to other fintech apps and services through Plaid. - [How lenders are driving profitability across the loan lifecycle with alternative data](https://plaid.com/blog/lenders-driving-profitability-alternative-data/): Given the macro environment, lenders are looking for ways to win more business from existing customers and drive profitability using alternative data. - [3 ways lenders can navigate a changing economic landscape](https://plaid.com/blog/lenders-navigate-economic-landscape/): Lenders could benefit from building the most compelling consumer experiences, while also improving backend processes to increase efficiencies and reduce risk. - [How Plaid transforms the full lending lifecycle with cash flow insights](https://plaid.com/blog/lending-lifecycle-with-cash-flow-data/): Discover how Plaid helps lenders unlock smarter, faster, and more inclusive lending—from prequalification to servicing—using real-time cash flow insights. - [Tech Talk: Lending smarter with cash flow data](https://plaid.com/blog/lending-smarter-cash-flow-data/): How leading fintech lenders are incorporating cash flow data to improve credit decisions and gain a holistic view of their customers' finances - [Enhancing Liabilities with credit card details](https://plaid.com/blog/liabilities-credit-cards/): In July, we introduced a new Liabilities product that provides developers access to more granular, real-time inform... - [Access mortgage data to help users better manage debt](https://plaid.com/blog/liabilities-mortgages/): Last year, we launched Liabilities so developers can help consumers understand, and manage their student loan and c... - [Introducing Liabilities to help you build better debt management solutions](https://plaid.com/blog/liabilities/): As an industry, fintech has made managing money easier—from facilitating new ways to save, pay bills budget... - [New analytics and customization features for Link](https://plaid.com/blog/link-analytics-and-customizations/): Over the past few months, we’ve been working to make Link even more powerful and flexible for developers, starting with customizable copy /link-copy-customi... - [Introducing customizable copy in Link](https://plaid.com/blog/link-copy-customization/): Because Link is a key part of onboarding your users, we’re always striving to make it fit in seamlessly with the rest of your experience. Today, we released... - [Link Deployment with AWS Lambda@Edge](https://plaid.com/blog/link-deployment-with-aws-lambda-edge/): We’re always working to make Link the best way for developers to start building on Plaid. Link is our SDK that handles user authentication, two-factor flows,... - [Design upgrades for Link](https://plaid.com/blog/link-design-upgrades/): Today we released some exciting design upgrades for Link We first launched Link with the goal of making it the easiest a... - [Institution customizations for Link](https://plaid.com/blog/link-institutions-flexibility/): We’re excited to share the latest feature in our ongoing effort to make Link work even more seamlessly with your existing experience. Core to Plaid is the wi... - [Live Oak Bank provides financial solutions for small businesses](https://plaid.com/blog/live-oak-bank/): By using Plaid's Auth and Identity products, Live Oak Bank has been able to speed up onboarding, curb fraud, and reduce customer complaints. - [How we use machine learning to power accurate, real-time income verification](https://plaid.com/blog/machine-learning-income-verification/): Learn about the machine learning models that power the Plaid Bank Income verification process. - [Making sense of messy bank data](https://plaid.com/blog/making-sense-of-messy-data/): At Plaid, we collect data from more than 9,600 financial institutions. That means 9,600 ways of classifying an ATM deposit, a refill at a gas station, an onl... - [Managing your Amazon Redshift performance: How Plaid uses Periscope Data](https://plaid.com/blog/managing-your-amazon-redshift-performance-how-plaid-uses-periscope-data/): The Data Science & Infrastructure team at Plaid has grown significantly over the past few months into a team whose mission is to empower Plaid with a data-fi... - [March Changelog](https://plaid.com/blog/march-changelog/): Welcome to the Plaid Changelog! Our Changelogs are a series of posts dedicated to highlighting the new products, features, and upgrades we launch each month.... - [Matt McGowan on his passion for developing teams](https://plaid.com/blog/matt-mcgowan-on-his-passion-for-developing-teams/): Get to know the people behind Plaid. - [Max Johnson on the power of reflection](https://plaid.com/blog/max-johnson-on-the-power-of-reflection/): Get to know the people behind Plaid - [May Changelog](https://plaid.com/blog/may-changelog/): We’re excited to introduce the Plaid Changelog! This is the inaugural post in a new series we’re publishing that will highlight new products, features, and u... - [Metal makes crypto-enhanced payments accessible to all](https://plaid.com/blog/metal/): With Plaid, Metal can connect a user’s bank account in 7 seconds. Plaid also helped Metal prevent more than $75,000 of fraud in just one month. - [Microsoft announces Money in Excel powered by Plaid](https://plaid.com/blog/microsoft-announcement/): Fintech applications have given people more control over their personal finances in a myriad of ways, whether it’s paying bills, sending money abroad, or gro... - [Migrating from ECS to Kubernetes](https://plaid.com/blog/migrating-ecs-kubernetes/): With Kubernetes our engineers are able to automatically deploy their services when they merge code to master without much effort on their part. - [Misconceptions of authentication and authorisation: why 90-day reauthentication does not work](https://plaid.com/blog/misconceptions-of-authentication-and-authorisation-why-90-day/): A common misconception of authentication and authorisation is that access and consent are legally captured. - [Moneybox and Plaid give customers greater control over their finances](https://plaid.com/blog/moneybox-and-plaid-give-customers-greater-control-over-their-finances/): Plaid and Moneybox have been working together to make transfers faster and give customers visibility and control over their payments and their finances. - [Activate more users with a faster and easier Link experience](https://plaid.com/blog/more-conversion-with-plaid-link/): New Plaid Link improvements to help businesses onboard and activate more users. - [More improvements to help users find their bank in Link](https://plaid.com/blog/more-improvements-to-help-users-find-their-bank-in-link/): We recently introduced several improvements to Link web and iOS that will help your users to easily find their bank when connecting their accounts. Updates ... - [More improvements to the Plaid Link user experience](https://plaid.com/blog/more-improvements-to-plaid-link/): Learn more about our latest improvements to Link, including a design refresh, a major new SDK release, and more. - [More products for more banks](https://plaid.com/blog/more-products-for-more-banks/): Today, we’re excited to announce that we’re expanding coverage for our account authentication product, Auth, to more than 60 institutions. On top of that, we... - [An easier way to automate asset and income verification for lenders](https://plaid.com/blog/mortgage-automation-2023/): Plaid Assets makes it easy for borrowers to connect their bank accounts, share up to two years of transaction history, and more. - [Moving from Open Banking to Open Finance](https://plaid.com/blog/moving-from-open-banking-to-open-finance/): In December 2019, the Financial Conduct Authority (FCA) launched an industry consultation on Open Finance - [Optimize for more user conversions with Plaid Link configurations](https://plaid.com/blog/multiple-link-configurations/): Optimizing Plaid Link for your users is crucial to their onboarding experience and engagement with your app. Today, we are giving you a new way to make that ... - [Mythbusting: consumer protection and PIS payments](https://plaid.com/blog/mythbusting-consumer-protection-and-pis-payments/): Even after five years of safe PIS payments, myths about PIS payments are holding some consumers and merchants back from realising their benefits. - [5 ways staying up to date with Nacha’s Operating Rules benefits your organization](https://plaid.com/blog/nacha-operating-rules-compliance/): When you comply with Nacha’s rules, you help your organization run more smoothly. Here are five ways staying up to date with Nacha helps your organization. - [Navigating Section 1033 & open banking: A new solution for data providers](https://plaid.com/blog/navigating-section-1033-data-providers/): Section 1033 rulemaking brings new obligations for data providers. Meet compliance requirements with confidence with Plaid’s new solution. Learn more. - [Mastercard and Visa make strategic investments in Plaid](https://plaid.com/blog/networks-mastercard-visa/): Banking was built for a world that did not envision the internet. Even today, the backend for most consumer financial products is still paper, phone calls, a... - [Now supporting Auth for every bank and credit union in the U.S.](https://plaid.com/blog/new-auth/): We’re excited to introduce an upgraded Auth product that enables developers to authenticate accounts from any of the ~11,... - [New Plaid docs to get you building faster](https://plaid.com/blog/new-plaid-docs/): The Plaid docs are a key resource for you as you integrate with Plaid and help build the future of fintech. We want to ensure that you have what you need so ... - [Plaid's 2022 Year in Review](https://plaid.com/blog/newsletter-2022-recap/): Read about ways you can optimize your business in 2023 and beyond. - [Newsletter - April 2022](https://plaid.com/blog/newsletter-april-2022/): Learn about our newest product features, including a a new way to verify a user’s income and employment in seconds. - [Newsletter - August 2021](https://plaid.com/blog/newsletter-august-2021/): Learn about our newest product features, register for our OAuth migrations workshop, and learn about how Plaid improves consumers' experience with fintech apps. - [Newsletter - December 2020](https://plaid.com/blog/newsletter-december-2020/): In this month’s newsletter, read about our latest product enhancements, upcoming events, and more. Product highlights Rolling out the all-new Plaid Link: O... - [Newsletter - December 2021](https://plaid.com/blog/newsletter-december-2021/): Learn about our increased identity coverage for longtail institutions and expanded institution fill rate to support loan products - [Newsletter - February 2021](https://plaid.com/blog/newsletter-february-2021/): Highlights include our new Deposit Switch Beta product, our upcoming Community Town Hall, and the launch of FinRise in support of BIPOC business founders - [Newsletter - February 2022](https://plaid.com/blog/newsletter-february-2022/): Learn about our newest product features, including our new transactions-data timestamps and updates to transaction data categorization - [Newsletter - January 2022](https://plaid.com/blog/newsletter-january-2022/): Learn about our newest product features, including expanded customer authorization coverage for ACH payments - [Newsletter - July 2021](https://plaid.com/blog/newsletter-july-2021/): Learn about our latest product features, our newest technical partnerships with Capital One and U.S. Bank, and how the future is fintech. - [Newsletter - June 2021](https://plaid.com/blog/newsletter-june-2021/): Read about our latest product features and configurations, our growing YouTube channel, and our recent whitepaper on a critical component of fintech’s future. - [Newsletter - June 2022](https://plaid.com/blog/newsletter-june-2022/): Learn about new products that can help with your AML and KYC compliance obligations, and watch Plaid Forum on demand. - [Newsletter - March 2021](https://plaid.com/blog/newsletter-march-2021/): Highlights include upcoming virtual events (including a women in fintech roundtable), and the work Plaid is doing to encourage the future of data access. - [Newsletter - March 2022](https://plaid.com/blog/newsletter-march-2022/): Learn about our newest product features, including a new transaction categorization taxonomy—as well as numerous virtual events, including Plaid Forum. - [Newsletter - May 2021](https://plaid.com/blog/newsletter-may-2021/): Read about our latest features, quality improvements based on customer feedback, and our incubator, Plaid Accelerate, which supports BIPOC founders. - [Newsletter - May 2022](https://plaid.com/blog/newsletter-may-2022/): Learn about our newest product features, including the launch of two new endpoints and improved latency for both the Transactions and Assets APIs. - [Newsletter - November 2020](https://plaid.com/blog/newsletter-november-2020/): Introducing our monthly newsletter, where you can learn about the latest product enhancements, company events, industry news, and more. Product highlights A... - [Newsletter - November 2021](https://plaid.com/blog/newsletter-november-2021/): Learn about our newest product features, including a peek at our latest updates to Income and our Investment API - [Newsletter - October 2021](https://plaid.com/blog/newsletter-october-2021/): Learn about our newest product features, view our most recent workshops, upcoming Link enhancements - [Newsletter - September 2021](https://plaid.com/blog/newsletter-september-2021/): Learn about our newest product features, view our most recent workshops, and our enhancements to Link. - [Speeding up npm in virtual environments](https://plaid.com/blog/npmserve/): At Plaid, we spend a lot of time thinking about the tools we use on the engineering side, which has helped us to automate time-consuming tasks and focus on e... - [OBIE consultations on VRPs and sweeping](https://plaid.com/blog/obie-consultations-vrps-and-sweeping/): On 9 November 2020, the UK’s Open Banking Implementation Entity (OBIE) released its consultations on Variable Recurring Payments (VRPs) and Sweeping https:/... - [Obligo helps people rent apartments without paying security deposits](https://plaid.com/blog/obligo-customer-story/): Obligo needed a way to connect users’ financial accounts. Users who connect their accounts with Plaid onboard faster and with fewer unsuccessful payments. - [Obstacles be gone: Open Banking and the possibility of a smooth customer journey for financial services in Europe](https://plaid.com/blog/obstacles-be-gone-open-banking-and-the-possibility-of-a-smooth-customer/): We’ve set out two key points which we believe businesses need from the public sector to facilitate a frictionless experience for EU citizens. - [October Changelog](https://plaid.com/blog/october-2017-changelog/): Welcome to the October Changelog! This month, we shipped our usual financial institution upgrades along with a refresh to our docs, a revamped developer onbo... - [OFX 2.2](https://plaid.com/blog/ofx-2-2/): Let’s face it: Bank accounts weren’t designed with 21st century needs in mind. That’s a big part of what drives us here at Plaid—exploring how we can use tec... - [Verify once, verify everywhere with Plaid Identity Verification](https://plaid.com/blog/one-click-verification-plaid-idv/): Learn more about how Plaid’s one-click identity verification experience lets you onboard customers faster while helping you stay KYC compliant. - [Get started in 40+ languages with our Open API spec and client libraries](https://plaid.com/blog/open-api-client-libraries/): We’re releasing an OpenAPI file so that you can auto-generate your own client libraries in your preferred programming language. - [Open-banking-as-a-service: what does that actually mean and how does it work?](https://plaid.com/blog/open-banking-as-a-service-what-does-that-actually-mean-and-how-does-it-work/): Over the past two years, the UK and Europe’s payments’ industry has seen two key developments: the revised Payment Services Directive (PSD2); and Open Bankin... - [Preparing for open banking’s time to shine: Reflections on 2022 and what’s ahead for 2023](https://plaid.com/blog/open-banking-europe-2023-plaid-predictions/): Plaid's Ripsy Bandourian predicts what's ahead fintech in Europe and open banking in 2023 - [How Financial Institutions are Thinking about Open Banking: Survey Results](https://plaid.com/blog/open-banking-financial-institutions-survey/): Open banking has moved beyond just a compliance issue. Read four key takeaways from our survey about the role of open banking in our financial ecosystem. - [Innovating in the UK's credit information market - how Open Banking can help and why it matters](https://plaid.com/blog/open-banking-innovation-credit-information-uk/): Open Banking is one of the main drivers of innovation in the credit information market, according to the Financial Conduct Authority (FCA). - [New solutions to help Plaid customers prepare for open banking regulation](https://plaid.com/blog/open-banking-regulation-and-compliance/): Open banking regulation is coming to the U.S. (commonly known as the CFPB’s 1033 rule). Plaid is releasing new solutions to help customers prepare. - [Open banking: Should I build or partner?](https://plaid.com/blog/open-banking-should-i-build-or-partner/): Since the introduction of the revised Payment Services Directive (PSD2) and Open Banking in 2018, the payments sector in the UK and EU has exploded. Every da... - [The inevitable acceleration of open finance](https://plaid.com/blog/open-finance-acceleration/): Open finance can assist in accelerating banks’ digital transformation, resulting in diversified revenue opportunities and exceeding consumer preferences.  - [Open finance and the future of digital financial services](https://plaid.com/blog/open-finance-and-the-future-of-digital-financial-services/): It’s only been a few years since the introduction of Open Banking and PSD2, but in Europe and the UK policy makers are already beginning to explore what a tr... - [An Update on our Open Finance Strategy](https://plaid.com/blog/open-finance-strategy-update/): This blog recaps Plaid's efforts to offer connectivity to financial institutions of all sizes in the second half of 2023. - [Exploring open finance use cases in the EU](https://plaid.com/blog/open-finance-use-cases/): The EU's Targeted Consultation on Open Finance aims to gather evidence from stakeholders on the “further development of open finance in the EU”. - [Connect your Plaid integration to agents built with OpenAI](https://plaid.com/blog/openai-plaid-mcp/): Connect OpenAI-powered agents to Plaid's MCP Server for automated workflows & debugging. Build intelligent tools & support experiences with real-time insights. - [Our Journey in Mortgage](https://plaid.com/blog/our-journey-in-mortgage/): Last year, we made a commitment to better serve the mortgage market. We did this because we believed that digitization could bring transformation both for th... - [Plaid’s latest fundraise](https://plaid.com/blog/our-latest-fundraise/): Plaid empowers millions to build better financial experiences. With a $575M fundraise, we’re expanding our solutions to fuel the future of finance. - [Our response to future oversight of the CMA’s open banking remedies](https://plaid.com/blog/our-response-to-future-oversight-of-the-cmas-open-banking-remedies/): The CMA’s remedies have been a driving force behind the development of open banking within the UK. - [Partnering with Railsbank to power the next generation of financial needs](https://plaid.com/blog/partnering-with-railsbank-to-power-the-next-generation-of-financial-needs/): Railsbank customers in the UK will gain access to Plaid’s Payment Initiation API to accept instant bank payments directly within their app or website. - [Introducing Pay by Bank for Bill Pay: Higher adoption, fewer returns](https://plaid.com/blog/pay-by-bank-for-bill-pay/): Bank payments can often mean higher retention and fewer returns. With Plaid, businesses can take advantage of pay by bank for bills and recurring charges. - [The case for pay by bank in recurring billing](https://plaid.com/blog/pay-by-bank-recurring-bill-pay/): Bills are often a great candidate for bank payments. Learn how companies can get customers to use pay by bank for recurring billing and how Plaid can help. - [Payment Initiation in the UK](https://plaid.com/blog/payment-initiation/): Last May, we launched Plaid in the UK /plaid-in-the-uk/ with the goal of making money easier for everyone, no matter where they bank or live. With Open Ban... - [Payroll data: The next frontier for fintech and open finance](https://plaid.com/blog/payroll-data-access/): Consumer-permissioned access to payroll data could unlock new applications and improve consumers’ financial lives As fintech adoption exploded over the past... - [Paysend and Plaid working together to make international money transfers seamless](https://plaid.com/blog/paysend-and-plaid-working-together-to-make-international-money-transfers/): Paysend is now working with Plaid to provide their 3.5 million customers with open banking payments that enable fast, low-cost international money transfers. - [PensionBee and Plaid working together to make Open Finance a reality](https://plaid.com/blog/pensionbee-and-plaid-working-together-to-make-open-finance-a-reality/): PensionBee and Plaid working together to make Open Finance a reality - [People at Plaid: Stories from the Team Behind the Mission](https://plaid.com/blog/people-at-plaid-april-2025/): From startup whisperers and fraud-fighting engineers to musicians, mentors, and even pro athletes, our team brings their full selves to work every day. - [People at Plaid: Building with heart, leading with impact](https://plaid.com/blog/people-at-plaid-may-2025/): At Plaid, our team is full of thoughtful, creative people who care deeply about our mission, the work, and each other. - [Ben Lee on the importance of carving out time for family](https://plaid.com/blog/people-ben/): Get to know the people behind Plaid. - [François Chu on the unique learning opportunities at Plaid](https://plaid.com/blog/people-francois/): Get to know the people behind Plaid. - [Placid Express fights the friction, fees, and fraud of digital remittance](https://plaid.com/blog/placid-express/): Placid Express offers speed without surcharges. After integrating with Plaid, Placid Express saw an 80% increase in approval rates for ACH-funded transfers. - [Plaid Accelerate expands to include two new cohorts for 2022](https://plaid.com/blog/plaid-accelerate-2022/): We’re launching two new cohorts in 2022 to support even more BIPOC fintech entrepreneurs. - [Accelerate Spotlight: Portabl on building tools to manage your financial identity](https://plaid.com/blog/plaid-accelerate-portabl/): We're spotlighting founders from our Plaid Accelerate program, which supports early-stage fintech founders who are Black, Indigenous, or People of Color - [Introducing Plaid Accelerate's Second Cohort](https://plaid.com/blog/plaid-accelerate-second-cohort/): Introducing Plaid Accelerate's Second Cohort - [Plaid Among Founding Supporters of Open Finance Data Security Standard (OFDSS)](https://plaid.com/blog/plaid-among-founding-supporters-of-open-finance-data-security-standard-ofdss/): Plaid announces it’s founding support for the Open Finance Data Security Standard for early and growth-stage digital finance companies. - [Plaid + Bridge](https://plaid.com/blog/plaid-and-bridge/): At Plaid, we’re focused on building technology that makes financial services better—and we believe design will play a major role in that effort. Until recen... - [Plaid and Codat partner to improve small business lending in the UK](https://plaid.com/blog/plaid-and-codat-partner-to-improve-small-business-lending-in-the-uk/): We joined forces with Codat to help alleviate many of the obstacles that UK-based SMEs face today. Learn more about how we’re working together. - [Debuting a new partnership with Dwolla](https://plaid.com/blog/plaid-and-dwolla/): Today we’re excited to announce our partnership with Dwolla, the bank transfer API platform, to launch a fully tokenized ACH payments integration. This marks... - [Partnering with Ellie Mae in mortgage](https://plaid.com/blog/plaid-and-elliemae/): Today, we’re excited to announce our new partnership with Ellie Mae, one of the most established and forward-thinking mortgage companies in the United States... - [Plaid and Instant payments: Allies in Open Banking](https://plaid.com/blog/plaid-and-instant-payments-allies-in-open-banking/): In order to fully scale, Payment Initiation Services need to leverage well connected banks that are part of the SEPA and it’s associated schemes. - [Plaid and Mollie join forces to simplify ecommerce for merchants across Europe](https://plaid.com/blog/plaid-and-mollie-join-forces-for-simpler-ecommerce-for-merchants-in-europe/): Plaid expands payment partner ecosystem to include Mollie. The companies will make it easier for merchants in Europe to harness the e-commerce opportunity. - [Plaid is joining Visa](https://plaid.com/blog/plaid-and-visa/): We are incredibly excited to share that Plaid is being acquired by Visa! Today marks an important milestone for our company and for fintech. What started w... - [Plaid announces additional series D funding](https://plaid.com/blog/plaid-announces-additional-series-d-funding/): Plaid announces additional series D funding - [Welcoming Plaid’s New President, Jen Taylor](https://plaid.com/blog/plaid-announces-jen-taylor-as-first-president/): Plaid has appointed Jen Taylor as its first President. - [Plaid’s commitment to the European open finance opportunity](https://plaid.com/blog/plaid-appoints-brian-dammeir-as-head-of-europe/): Plaid appoints Brian Dammeir as Head of Europe as the company continues to expand product offerings for its customers in Europe - [Plaid at Grace Hopper 2018](https://plaid.com/blog/plaid-at-grace-hopper-2018/): Here at Plaid, we’re committed to building a team with varied backgrounds, experiences, and perspectives across all functions and levels. Diversity and inclu... - [Plaid’s support for a strong consumer financial data right](https://plaid.com/blog/plaid-cfpb-1033-sbrefa-comment-letter/): Plaid filed its 1033 SBREFA comment letter to the CFPB advocating for consumer choice and control, strong oversight for the industry, and reliable access. - [Plaid named a Gartner 'Cool Vendor'](https://plaid.com/blog/plaid-cool-vendor/): We’re excited to share that Plaid has been named a Cool Vendor in financial services by leading research company Gartner. “The Cool Vendors in Consumer Fina... - [Lending smarter with cash flow data: Plaid’s path ahead in Credit](https://plaid.com/blog/plaid-cra/): We're excited to announce that Plaid has formed a new entity that will build ready-made credit risk insights from consumer-permissioned cash flow data. - [Easily integrate into the Plaid data network with Plaid Direct](https://plaid.com/blog/plaid-direct/): Today, we’re excited to deliver broader access to the financial system through Plaid Direct, our lightweight integration specification that allows banks and... - [Plaid's journey to a multi-cluster Elasticsearch architecture to improve reliability](https://plaid.com/blog/plaid-elasticsearch-architecture-reliability/): Learn how our engineering team chose a new logging platform architecture and migrated our systems to improve reliability for our customers. - [Expanding access to open banking payments across Europe](https://plaid.com/blog/plaid-europe-new-partnerships-and-country-coverage/): To enable companies to offer more localised payment experiences, Plaid is adding new partners and expanding our country coverage in Europe - [Plaid and Jack Henry partner to enable Plaid Exchange for over 350 banks](https://plaid.com/blog/plaid-exchange-jack-henry/): A recent study by Capital One and the Decision Lab found that 77% of Americans experience... - [Accelerating financial access in Canada](https://plaid.com/blog/plaid-expands-presence-in-canada/): Plaid is happy to announce our first office opening in Toronto as well as a major data access agreement with Royal Bank of Canada. - [Plaid Forum 2022: Building the future of digital finance together](https://plaid.com/blog/plaid-forum-2022-building-the-future-of-digital-finance-together/): Plaid Forum | May 19, 2022 | Join the online community of leading developers and companies building the future of digital finance. - [Plaid Forum: a new conference for all of you](https://plaid.com/blog/plaid-forum-a-new-conference-for-all-of-you/): Plaid Forum, a new virtual conference for fintech - [Expediting Plaid’s European expansion](https://plaid.com/blog/plaid-hires-head-of-europe/): Today we announced that Ripsy Bandourian has joined Plaid as our Head of Europe to lead our strategy and operations as we continue to grow in the region. - [Using ML to counter GenAI with new identity verification features](https://plaid.com/blog/plaid-idv-enhancements-fight-fraud/): Learn about Plaid Identity Verification's new enhancements for fighting evolving fraud. Detect deepfakes, facial duplicates, and more. - [Plaid in Canada](https://plaid.com/blog/plaid-in-canada/): Enabling innovation in financial services means doing so everywhere. Today, we’re taking a step towards this vision by announcing our first international mar... - [Plaid in France, Spain, and Ireland](https://plaid.com/blog/plaid-in-france-spain-and-ireland/): Plaid envisions a fully inclusive fintech ecosystem that serves everyone, no matter where they bank or live. Throughout 2019, we’ve made a tremendous amount ... - [Plaid in the Netherlands](https://plaid.com/blog/plaid-in-the-netherlands/): Countries around the world are facing major economic obstacles at the hands of the COVID-19 pandemic, and people and small businesses everywhere are feeling ... - [Plaid in the UK](https://plaid.com/blog/plaid-in-the-uk/): Making money easier for everyone is what drives us here at Plaid. We hear from customers every day about how fintech is transforming people’s financial lives... - [The Plaid Internal MCP Server: Maximizing the leverage of internal AI applications](https://plaid.com/blog/plaid-internal-mcp-server-productivity/): Plaid Engineering built an internal MCP server to boost productivity by connecting AI tools to internal docs, metrics, and code. Here’s how we did it. - [Plaid launches Gateway Partner Program to drive open banking compliance](https://plaid.com/blog/plaid-launches-gateway-partner-program/): Introducing our Gateway Partner Program, connecting FDX-aligned providers with financial institutions. Get the speed and support you need from open banking. - [Plaid Launches Security Portal To Accelerate Security Diligence](https://plaid.com/blog/plaid-launches-security-portal/): Plaid launches Security Portal to help partners and customers expedite their diligence and make informed decisions when working with Plaid - [Scaling Instant Onboarding to Hundreds of Millions of Users](https://plaid.com/blog/plaid-layer-autofill/): Today we are excited to expand the reach of Layer from tens of millions to hundreds of millions of users with expanded autofill. - [Announcing Plaid Link for iOS](https://plaid.com/blog/plaid-link-ios/): We want to make it as easy as possible to work with financial data, and today, we're thrilled to share Link iOS, a native iOS SDK that makes connecting with ... - [“Claude, let’s analyze and improve my Plaid integration”](https://plaid.com/blog/plaid-mcp-ai-assistant-claude/): The new Plaid Model Context Protocol (MCP) server brings data, insights, and troubleshooting into one conversation with Claude, Anthropic’s AI assistant - [Partnering with payment service providers to enable the next generation of ecommerce in Europe](https://plaid.com/blog/plaid-partners-with-payment-service-prodivers-in-europe/): Plaid is adding three new partners to our Payment Partner Ecosystem to enable more vendors and merchants to leverage open banking in order to improve operations - [Angela Zhang on growing her career at Plaid](https://plaid.com/blog/plaid-people-angela-zhang/): Plaid engineering manager Angela Zhang has a penchant for pushing herself to learn and grow, but she never loses track of the team or having fun in the proce... - [Charley Ma on helping clients successfully launch, grow, and scale with Plaid](https://plaid.com/blog/plaid-people-charley-ma/): Get to know the people behind Plaid. - [Em Minor on her circuitous route to fintech](https://plaid.com/blog/plaid-people-em-minor/): Get to know the people behind Plaid. - [Eric Sprauve on his approach to problem solving and building teams](https://plaid.com/blog/plaid-people-eric-sprauve/): Get to know the people behind Plaid. - [Erica Martinez on finding fulfillment in Plaid's mission](https://plaid.com/blog/plaid-people-erica/): Get to know the people behind Plaid. - [Erik Anstine on striking a balance between his passion for opera and programming](https://plaid.com/blog/plaid-people-erik-anstine/): Get to know the people behind Plaid. - [Jack LaMar on working with prospective Plaid clients along every stage of the sales funnel](https://plaid.com/blog/plaid-people-jack-lamar/): Get to know the people behind Plaid. - [Jake Stern on starting as Plaid's first New Business Associate hire](https://plaid.com/blog/plaid-people-jake-stern/): Get to know the people behind Plaid. - [Jennifer Wu on why she loves building products at Plaid](https://plaid.com/blog/plaid-people-jennifer-wu/): Get to know the people behind Plaid. - [Plaid People: Joy Zheng](https://plaid.com/blog/plaid-people-joy-zheng/): Before Plaid, software engineer Joy Zheng worked as an engineer at Vessel and studied Computer Science and Mathematics at Harvard University. Joy talks Plaid... - [Judd Blair on his deep love of learning that makes him an office go-to for all sorts of advice](https://plaid.com/blog/plaid-people-judd-blair/): Get to know the people behind Plaid. - [Kalee Hasselbach on building Plaid's culture](https://plaid.com/blog/plaid-people-kalee-hasselbach/): Get to know the people behind Plaid. - [Kate Adamson on how she built a PPP product in 8 days](https://plaid.com/blog/plaid-people-kate-adamson-2/): Get to know the people behind Plaid. - [Kira Booth on building Plaid's engineering office in Salt Lake City](https://plaid.com/blog/plaid-people-kira-booth/): Get to know the people behind Plaid. - [Nicole Butler on navigating the fintech regulatory environment](https://plaid.com/blog/plaid-people-nicole-butler/): Get to know the people behind Plaid. - [Taylor Wilson on his path to Plaid](https://plaid.com/blog/plaid-people-taylor-wilson/): Get to know the people behind Plaid. - [Plaid plus Citi and Amex](https://plaid.com/blog/plaid-plus-citi-and-amex/): Changing the landscape of financial services requires a partnership between financial institutions, technology firms, and startups. With this in mind, we're ... - [Plaid Policy Pulse: Consumer data rights matter for fintech](https://plaid.com/blog/plaid-policy-pulse-consumer-data-rights-matter-for-fintech/): A critical policy moment for the fintech ecosystem has arrived. Later this year, the Consumer Financial Protection Bureau (CFPB) will propose new rules http... - [Building better bridges between crypto and traditional finance with Gemini](https://plaid.com/blog/plaid-powering-gemini/): Plaid's open banking will streamline onboarding for cryptocurrency exchange Gemini - [Introducing Plaid Protect – the next chapter in fraud prevention](https://plaid.com/blog/plaid-protect-antifraud/): Today we’re launching Plaid Protect: a fraud intelligence platform that gives companies access to powerful, unique insights. - [Plaid Protect in action: Key moments to fight fraud in real-time](https://plaid.com/blog/plaid-protect-key-moments-fight-fraud/): Spot risk early and respond fast. Plaid Protect delivers real-time fraud risk scoring across key moments in the customer journey with Trust Index. Learn more. - [Announcing Plaid Signal: Unlock instant ACH and reduce return risk](https://plaid.com/blog/plaid-signal-unlock-ach/): With Plaid Signal, there’s no more need to choose between an exceptional consumer experience and robust risk and fraud management. - [Introducing Plaid’s new brand: The fabric of financial progress](https://plaid.com/blog/plaid-the-fabric-of-financial-progress/): Taking cues from paper currency from around the world, our new brand celebrates Plaid’s growing role in digital finance. Learn more. - [Announcing Instant Payouts on Plaid Transfer](https://plaid.com/blog/plaid-transfer-instant-payouts/): Instant Payouts – a real-time, multi-rail payout solution to send funds instantly, 24/7 within our Transfer product. - [Plaiderdays](https://plaid.com/blog/plaiderdays/): Back in March 2015, when Plaid had just a few dozen employees, we realized that even though we were laser-focused on getting Plaid off the ground, some of ou... - [Evelyn Chan on building competitive advantages](https://plaid.com/blog/plaidpeople-evelynchan/): Get to know the people behind Plaid. - [Plaid’s 2022 Trans-Atlantic Policy Projections](https://plaid.com/blog/plaids-2022-trans-atlantic-policy-projections/): Plaid’s transatlantic coverage and our policy predictions in each jurisdiction - [Plaid's comments to the CFPB on Dodd-Frank 1033](https://plaid.com/blog/plaids-comments-to-the-cfpb-on-dodd-frank-1033/): Plaid lays out its vision for an open finance framework in the U.S. - [Plaid’s Commitment to Consumer Privacy](https://plaid.com/blog/plaids-commitment-to-consumer-privacy/): Plaid is committed to setting new standards when it comes to giving people more control and transparency over where and how their data is shared. - [Plaid’s continued investment in security and privacy standards](https://plaid.com/blog/plaids-continued-investment-in-security-and-privacy-standards/): Plaid is ISO27001 and ISO27701 certified. Both are internationally recognized standards that are now part of our Security and Privacy assurance program. - [Plaid’s first Community Town Hall](https://plaid.com/blog/plaids-first-community-town-hall/): 2020 has been a key year for fintech /the-fintech-effect-consumer-impact-and-a-fairer-financial-system/–a year of challenges, along with growth and opportu... - [Plaid’s going Dutch](https://plaid.com/blog/plaids-going-dutch/): We think open access to financial data should be for everyone, everywhere. We’re committed to building consumer trust in open banking in the EU - [Our response to HMT’s Payment Landscape Review Call for Evidence](https://plaid.com/blog/plaids-payment-landscape-review-our-response-to-hmts-payment-landscape-review-call-for-evidence/): The payments landscape in the UK has changed drastically over the last few years with the introduction of PSD2 and Open Banking. As the UK government underta... - [Plaid’s strategy to facilitate an API-based ecosystem](https://plaid.com/blog/plaids-strategy-to-facilitate-an-api-based-ecosystem/): Reliable, secure access to consumer-permissioned data is the heartbeat of fintech. It’s what allows fintech services to help consumers /the-fintech-effect-c... - [Policy Pulse: The state of financial access](https://plaid.com/blog/policy-pulse-the-state-of-financial-access/): Financial access is shifting to APIs. Find out in our Policy Pulse what's driving this shift, and what it means for consumers and fintech companies. - [Policy Pulse: The State of Privacy](https://plaid.com/blog/policy-pulse-the-state-of-privacy/): Privacy rules are developing around the world. Learn how they might affect digital finance in our latest Policy Pulse. - [Plaid Policy Pulse: What policy means for business](https://plaid.com/blog/policypulse062020/): Welcome to the Plaid Policy Pulse. In this quarterly series, we provide our perspective on public policy developments impacting the fintech community and con... - [Powering Smarter Pay-by-Bank in the UK with Visa and Plaid](https://plaid.com/blog/powering-smarter-pay-by-bank-visa/): Plaid powers Visa’s new Pay by Bank, bringing real-time A2A payments with card-like protections, seamless UX, and scalable infrastructure across Europe. - [Product Updates - April 2025](https://plaid.com/blog/product-updates-april-2025/): We’ve shipped a number of updates across Plaid in April - from streamlined cash flow insights to smarter fraud tools, here are the highlights. - [August product updates: Faster onboarding & stronger identity verification](https://plaid.com/blog/product-updates-august-2025/): Explore Plaid’s August 2025 product updates: improved OAuth onboarding, DMV-backed ID checks, better income insights, and faster account verification. - [Product Updates - July 2025](https://plaid.com/blog/product-updates-july-2025/): More insight and features to help you build—here’s what’s new and improved across Plaid this July. - [Product Updates - June 2025](https://plaid.com/blog/product-updates-june-2025/): In the leadup to Plaid Effects, we continue to ship a range of powerful new features and improvements across the Plaid platform. - [Product Updates - March 2025](https://plaid.com/blog/product-updates-march-2025/): Discover the latest product updates and enhancements across Plaid’s entire product stack - from payments to credit underwriting, to onboarding and fraud. - [Product Updates - May 2025](https://plaid.com/blog/product-updates-may-2025/): This May, Plaid updates include new fund availability visibility, smarter fraud tools, smoother onboarding, and instant support via Claude in the dashboard. - [Fast, faster, fastest: the promise of real-time payments and the challenges that still remain](https://plaid.com/blog/promise-of-real-time-payments/): The key factors impacting the adoption of real-time payments and how competition between RTP and FedNow will change the payments ecosystem - [PSD2 and GDPR: are they enough for open finance?](https://plaid.com/blog/psd2-and-gdpr-are-they-enough-for-open-finance/): 2018 was a milestone year for data regulation in the UK and Europe, with the implementation of both the revised Payment Services Directive (PSD2) and the Gen... - [PSD2 in review](https://plaid.com/blog/psd2-in-review/): The European Commission’s review of the PSD2 aims to gather evidence on its impact and assess the appropriateness of a legislative proposal for revising it. - [A look at PSD2’s tomorrow](https://plaid.com/blog/PSD2morrow-february-2022/): Plaid’s monthly blog series where we look at the PSD2 review, what TPPs need, and where we see room for growth. - [PSD2morrow: Ready, set, go!](https://plaid.com/blog/PSD2morrow-Ready-set-go/): laid and our colleagues in the industry have been eagerly awaiting the PSD2 consultation as open banking legislation is ready for its next iteration! - [Transatlantic success: Celebrating Public's launch in the UK](https://plaid.com/blog/public-uk-launch/): Plaid congratulates Public on their launch in the UK - [Putting consumers first in fintech](https://plaid.com/blog/putting-consumers-first-in-fintech/): Over the past few years, Plaid has been working with a growing number of groups throughout financial services to deliver better access to financial data. We ... - [A Q&A with Irene Tollinger of Acre Homes](https://plaid.com/blog/q-a-acre-homes/): How Acre Home’s Co-Founder uses Plaid to unlock buyer insights and deliver a seamless customer approval application experience - [A Q&A with Colby Ross of Project Finance, a digital banking solution for banks and credit unions](https://plaid.com/blog/q-a-project-finance/): In an exclusive conversation with Plaid, Ross shares how Project Finance leverages Core Exchange to build a customized world-class digital banking experience. - [Q2 and Plaid Partner to Provide Better Digital Banking Capabilities to Hundreds of Banks and Credit Unions](https://plaid.com/blog/q2-and-plaid-partner-to-bring-open-finance-to-millions/): Plaid and Q2 partner to bring Plaid Exchange to more than 500 community banks and credit unions, enabling access to fintech for their millions of customers. - [A Q&A with a leader in digital banking services and prepaid card solutions](https://plaid.com/blog/qa-digital-banking-services/): A leading provider of consumer and business payment solutions shares how they use Plaid to reduce ACH returns and create a better user experience. - [Qapital helps members find a path to money happiness](https://plaid.com/blog/qapital/): Qapital offers automated savings tools. With Plaid, Qapital has helped its users avoid more than $2.7 million in overdraft fees and save more than $1 billion. - [Quovo is joining Plaid](https://plaid.com/blog/quovo/): We're excited to announce that Plaid has acquired Quovo to make it easier for developers to build products that incorporate investment and brokerage data. F... - [Recurring payments with standing orders](https://plaid.com/blog/recurring-payments-with-standing-orders/): In April, we launched Payment Initiation in the UK /payment-initiation/, to make account funding faster and easier. We’re committed to continuing to enhanc... - [Build deeper user connections with data driven insights](https://plaid.com/blog/recurring-transactions/): Introducing Recurring Transactions: Data-driven insights to help you create engaging experiences and drive lifetime value for consumers. - [Reducing docker images' size](https://plaid.com/blog/reducing-docker-images-size/): At Plaid, all 80+ internal services operate as Docker containers. Containers are deployed; they are built and spawned locally during CI runs. Finally, develo... - [Reimagining the future of credit and financial data](https://plaid.com/blog/reimagining-the-future-of-credit-and-financial-data/): Shibani Sanan joins Plaid to lead engineering for financial access and credit. - [Inside Plaid: How we are investing in reliable financial data access at scale](https://plaid.com/blog/reliable-financial-data-access-at-scale/): A behind-the-scenes look at Plaid’s investments in financial data access via AI-powered tools, seamless API migrations, and strategic partnerships. - [Remote at Plaid](https://plaid.com/blog/remoteatplaid/): Engineering Manager April Goldman-Sims Shares Plaid Engineering’s Approach to Remote Work COVID has forced us to reimagine what "work" means to us. I've be... - [How PMs Build Fintech Prototypes with Replit + Plaid](https://plaid.com/blog/replit-plaid-prototyping/): Discover how product managers use Replit and Plaid APIs to quickly prototype real product ideas without engineering resources. See how to start building. - [[Report] The Fintech Effect: Fintech's Mass Adoption Moment](https://plaid.com/blog/report-the-fintech-effect-2021/): Plaid's second annual report, The Fintech Effect: Fintech's Mass Adoption Moment, shares findings from representative surveys of US and UK consumers. - [Third Annual Fintech Request for Startups](https://plaid.com/blog/request-for-startups-2019/): Please note that the proposed time period has elapsed, and we are no longer accepting new submissions. We’re excited to launch our third annual Request for ... - [Faster and easier account connection for returning users](https://plaid.com/blog/returning-user-experience/): Onboard users faster with Plaid's new returning user experience. This simplified flow gets users started on your app more easily. - [Reviewing open banking on a global stage](https://plaid.com/blog/reviewing-open-banking-on-a-global-stage/): Consumer/SME demand and government mandates are opening up the global banking sector. But we’re still seeing a variety of approaches - [Fintech Request for Startups](https://plaid.com/blog/rfs/): Today, we’re excited to launch our second Request for Startups. Last year's RFS saw more than 100 companies respond, ma... - [The road to real-time payments - where are we now?](https://plaid.com/blog/road-to-real-time-payments/): The future of real-time payments including ACH, RTP and FedNow. Explore the market growth, challenges of multiple payment rails and fraud. - [Plaid delivers real-time cash flow data for Rocket Companies, helping streamline loan underwriting and consumer budgeting](https://plaid.com/blog/rocket-companies-real-time-cash-flow-data/): Real-time cash flow data can lead to better financial outcomes. Learn how Rocket is unlocking real-time financial data connectivity by partnering with Plaid. - [Seeking refuge from unsafe JavaScript](https://plaid.com/blog/sanctuary/): In late 2013, the vast majority of Plaid's code was JavaScript. Though the proportion has decreased since then, JavaScript still accounts for more than half ... - [Savi helps student loan borrowers get out of debt faster](https://plaid.com/blog/savi-customer-story/): For Savi’s users, connecting their student loans with Plaid is simple. Plaid now connects to more than 90% of student loan servicers—often in seconds. - [Scaling a monitoring platform to over 9,600 bank integrations](https://plaid.com/blog/scaling-a-monitoring-platform/): At Plaid, one of the things we do is we maintain integrations with more than 9,600 banks. Our core promise to customers is providing reliable and homogenous ... - [Scaling an Open Finance future with Plaid’s Data Partner Dashboard](https://plaid.com/blog/scaling-api-access/): Plaid is the leader in open finance. This blog highlights how we’ve built a Partner Dashboard to increase the speed of API adoption and join Plaid’s network. - [Scaling Plaid’s internal developer experience with a remote development environment](https://plaid.com/blog/scaling-with-devenv/): How Plaid’s Developer Efficiency Team improved engineering velocity by moving development to the cloud. - [Scholar Fund helps families find relief faster with Plaid](https://plaid.com/blog/scholar-fund-plaid/): Learn how Scholar Fund modernized their anti-fraud efforts to protect the $5 million fund they distributed to over 6,000 Washington families. - [A more seamless Plaid Link experience for consumers](https://plaid.com/blog/seamless-account-linking-for-consumers/): Plaid is committed to creating seamless and secure experiences in Link to help consumers access valuable financial services. Learn about the new Link updates. - [Securing WebViews with Chrome Custom Tabs](https://plaid.com/blog/securing-webviews-with-chrome-custom-tabs/): Plaid empowers innovators in the fintech space by providing them with access to financial data via a uniform API.  In order to help end users connect their ... - [Security for the open finance future](https://plaid.com/blog/security-for-the-open-finance-future/): As Plaid builds toward open finance, Tom Daniels joins as chief information security officer (CISO) - [Security at scale: Plaid’s journey to creating a key management system](https://plaid.com/blog/security-plaid-key-management-system/): Plaid KMS is now one of the highest-traffic services at Plaid, operating as a critical component with high-reliability standards. - [September Changelog](https://plaid.com/blog/september-2017-changelog/): Welcome back to the Changelog! We spent September continuing to improve our financial institution coverage as well as shipping a bunch of new features for Li... - [Announcing our $44M Series B](https://plaid.com/blog/series-b/): When we started building Plaid in 2012, our goal was simple: We wanted to make the financial services industry developer-friendly and enable new innovation i... - [Fintech is just getting started](https://plaid.com/blog/series-c/): Most Americans find money to be the most stressful part of their lives. It’s the limiting factor—on what we can do, where we can go, how we can live. In the ... - [Setting the standard for safe and secure data access](https://plaid.com/blog/setting-the-standard-for-safe-and-secure-data-access/): Plaid is committed to setting the bar for safety and security. - [7 ways enterprises can scale and optimize the user experience](https://plaid.com/blog/seven-ways-enterprises-can-scale-and-optimize-the-user-experience/): How enterprises of all sizes are providing seamless data connectivity, instantly authenticating users, reducing risk, and funding accounts faster. - [Shano Fonseka on enabling and accelerating a digital financial revolution](https://plaid.com/blog/shano-fonseka-on-enabling-and-accelerating-a-digital-financial-revolution/): Get to know the people behind Plaid. - [The Next Frontier: Establishing Stronger Privacy Standards for a Safer Ecosystem](https://plaid.com/blog/sheila-jambekar-joins-plaid-as-cpo/): Shelia Jambekar joins Plaid as Chief Privacy Officer - [Shift takes the guesswork out of buying and selling used cars](https://plaid.com/blog/shift/): For Shift, Plaid’s Balance and Auth products work well with Stripe to quickly and securely check account balances in real time and authenticate transfers. - [Join the future of financial services - Simple](https://plaid.com/blog/simple-finance/): Earlier this year, I had the exciting opportunity to interview Susan Ehrlich, Chief Financial Officer at Simple. Simple takes a unique approach to digitalba... - [5 ways Plaid simplifies the process of expanding into Europe](https://plaid.com/blog/simplified-eu-expansion/): Plaid Simplifies European Expansion: Banking, Authentication & Payments - [Improving the small-dollar lending experience with fintech](https://plaid.com/blog/small-dollar-lending/): Lenders have more opportunities to participate in responsible and cost-effective small dollar lending. Recently, the Fed, FDIC, OCC, and NCUA released new g... - [SoLo Funds bring stability to the financially insecure](https://plaid.com/blog/solo-funds/): With Plaid, SoLo Funds has achieved a superior conversion rate (77%) which has helped them process more than $2 million in loans— and counting. - [Simplify international identity verification and grow your business](https://plaid.com/blog/solving-international-identity-verification/): Solve international identity verification challenges with Plaid. - [SPIN a more customer-centric engineering culture at Plaid](https://plaid.com/blog/spin-a-more-customer-centric-engineering-culture-at-plaid/): Plaid engineers collaborate cross-functionally and empower developer customers to build and scale with small product improvements. We're hiring. Come join us! - [Square and Plaid partner to give US merchants a better ACH payment experience](https://plaid.com/blog/square-and-plaid-partner-to-give-us-merchants-a-better-ach-experience/): Through the Square and Plaid partnership, merchants can easily and securely process ACH payments. - [Stash boosted deposits by 19%](https://plaid.com/blog/stash-customer-story/): To get more investors on the platform, Stash needed a better way for users to link their outside financial accounts. With Plaid, this step is fast and easy. - [Steady boosts income for job seekers](https://plaid.com/blog/steady-customer-story/): Steady needed financial data to help its members make more money. With Plaid, job seekers can share their financial data with Steady. - [Stilt provides financial services for all](https://plaid.com/blog/stilt-customer-story/): Stilt needed financial data to offer loans. With Plaid, Stilt can use consumer-permissioned cash-flow data to help determine a borrower’s creditworthiness. - [How Stilt provides millions with access to credit products using Plaid](https://plaid.com/blog/stilt/): Because traditional lenders in the United States rely on credit scores to determine loan eligibility and interest rates, immigrants and other underserved pop... - [Summer 2019 Engineering Interns: A Look Back](https://plaid.com/blog/summer-2019-plinterns-a-look-back-2/): The Plintern team from front to back: Andrew Chen, Jennifer McCleary, Sarafina Smith, Lujing Cen, Owen Gillespie, and Jarrod Dunne. Not pictured: Eric Fortne... - [Summer 2020 Plinterns: A Look Back](https://plaid.com/blog/summer-2020-plinterns-a-look-back/): Our summer internship program has come to a close and we feel fortunate to have worked with such an enjoyable group of Plinterns! Before our Plinterns headed... - [Cutting over: Our journey from AWS Aurora MySQL to TiDB](https://plaid.com/blog/switching-to-tidb/): Read how Plaid's engineering team moved to TiDB, including the motivation, process, and challenges. - [A Q&A with Nick Craven of TAB Bank](https://plaid.com/blog/tab-bank-qa/): How TAB Bank uses Core Exchange to be at the center of their customers’ financial lives by providing them with real-time data connectivity. - [How real-time funding solutions are changing the face of open finance](https://plaid.com/blog/tearsheet-podcast-payments/): Plaid supports the rapid adoption and growth of ACH payments and real-time payments (RTPs) - [Plaid Link: A decade of innovation in connectivity & conversion](https://plaid.com/blog/ten-years-plaid-link/): Plaid Link celebrates a decade of innovation—now powering better onboarding, smarter fraud protection, and faster connections across the Plaid network. - [The all-new Plaid Link](https://plaid.com/blog/the-all-new-plaid-link/): Making money easier for everyone is our vision at Plaid. In 2015 /plaid-link/, we built Plaid Link to give first-time fintech users a secure and easy way t... - [The evolution from data access to data control](https://plaid.com/blog/the-evolution-from-data-access-to-data-control/): Data controls can build on data access to enhance financial privacy. Plaid is building towards that future. - [[Report] The Fintech Effect: Consumer impact and a fairer financial system](https://plaid.com/blog/the-fintech-effect-consumer-impact-and-a-fairer-financial-system/): In landmark survey, consumers reveal fintech benefits their financial well-being Read the report - [The future of data access in Canada](https://plaid.com/blog/the-future-of-data-access-in-canada/): Since Plaid expanded to Canada last year, we’ve been impressed with the thriving fintech community there. Our custo... - [The next phase of bank payments – safer, smarter, faster](https://plaid.com/blog/the-next-phase-of-bank-payments/): Plaid is making account-to-account money movement safer, smarter and faster by innovating on both existing and emerging bank payment rails. - [The top ways e-commerce merchants profit from Open Banking payments](https://plaid.com/blog/the-top-ways-e-commerce-merchants-profit-from-open-banking-payments/): Open Banking payments represent an exciting new opportunity for European e-commerce businesses. - [The Year Ahead](https://plaid.com/blog/the-year-ahead/): More people than ever before are turning to fintech. As a company, and as an industry, we have an urgent responsibility to meet that increased demand. - [Zach Perret, CEO of Plaid on This Month in Fintech Podcast](https://plaid.com/blog/this-month-in-fintech-podcast-zach-perret/): Plaid CEO Zach Perret sat down with Ryan Zauk for the Inaugural podcast, This Month in Fintech. Learn more about the evolution of the Plaid network. - [Thoughts on consumer data access](https://plaid.com/blog/thoughts-on-consumer-data-access/): Plaid’s role in connecting financial institutions, fintech developers, and consumers places us in a unique position in the ongoing discussion - [Join us at Threads 2023](https://plaid.com/blog/threads-2023-announcement/): Registration for Threads 2023, Plaid's annual customer event, is now open. Join us on June 22nd for this free, fully online event. - [Three principles for driving VRP adoption in the UK](https://plaid.com/blog/three-principles-vrp-adoption/): Three principles for driving the adoption of variable recurring payments sets a foundation for discussions on unlocking Open Banking payments such as VRPs - [Three years of Salt Lake City](https://plaid.com/blog/three-years-of-salt-lake-city/): Learn more about how we built our engineering hub in Salt Lake City. - [Plaid's Community Town Hall: The next decade of fintech](https://plaid.com/blog/town-hall-next-decade-of-fintech/): The next decade of fintech is quickly gaining steam, building on the unprecedented consumer behavior change and growth in adoption that happened in 2020. - [Why Plaid built the Transaction Enrichment Engine–and how it can help you innovate](https://plaid.com/blog/transaction-enrichment-engine/): A look into Plaid's Transaction Enrichment Engine design and recent enhancements. Understand how it works and how to build innovative solutions on top of it. - [More powerful Transactions data for more personalized user experiences](https://plaid.com/blog/transactional-data-personalization-update/): Plaid Transactions got supercharged. Learn about new updates that help financial services providers deliver more personalized products and services to users. - [Our biggest update to transaction data categorization](https://plaid.com/blog/transactions-categorization-taxonomy/): Introducing a new categorization taxonomy and category list for personal finance management apps and tools. - [Introducing Transactions for Business: Powering real-time business tools](https://plaid.com/blog/transactions-for-business/): Transactions for Business brings real-time, business-specific categorization to SMB accounts, powering smarter business financial tools. Learn more. - [On-demand updates to transactions data](https://plaid.com/blog/transactions-refresh/): We’re excited to introduce a new optional refresh feature for our Transactions product! Fintech has made managing your money so much easier, from rounding u... - [Sync: A new paradigm for building on transaction data](https://plaid.com/blog/transactions-sync/): We’re excited to introduce Sync, an upgraded way to help developers connect their apps to transaction information more quickly. - [Unlock financial experiences with insightful transaction data using the Plaid network](https://plaid.com/blog/unlock-financial-experiences-real-time-transaction-data/): Learn how Plaid’s transaction data & network coverage help you personalize UX, improve conversion, & unlock new use cases from budgeting to cash advances. - [Unlocking financial freedom with Esusu's VP of Product](https://plaid.com/blog/unlocking-financial-freedom-with-esusu-vp-of-product/): Ruchika Gupta Truitt, VP of Product, shares how Esusu uses Plaid's spending insights to unlock financial freedom for traditionally underserved communities. - [Tech Talk: Unlock the future of banking personalization to win and retain customers](https://plaid.com/blog/unlocking-the-future-banking-personalization/): Build hyper-personalized experiences and turn messy transaction data into actionable insights, driving engagement and improving customers’ financial health. - [Progress in open finance: An update from Plaid](https://plaid.com/blog/updates-plaid-financial-institutions/): Check out the latest updates from Plaid on our work with institutions of all sizes to prepare for open banking. - [Dashboard: Improved Usage filtering, visualizations, and more](https://plaid.com/blog/usage-dashboard/): Today, we’re excited to release an entirely revamped Usage view to all Dashboard users. You can now visualize item adds and removes over time—plus we’ve adde... - [Ushering in Fintech's Next Phase](https://plaid.com/blog/ushering-in-fintechs-next-phase/): At Forum 2022, Plaid's CEO announces three key areas that the company is focusing on to further innovation, expand access, and improve company products. - [Variable Recurring Payments - turning the mundane magical](https://plaid.com/blog/variable-recurring-payments-turning-the-mundane-magical/): Consumers want products and services that fit their financial needs. Open banking has increased that demand and paved the way for embedded finance. - [Varo makes premium financial services available to everyone](https://plaid.com/blog/varo/): Every day, more than 1,500 Varo customers use Plaid Direct to connect their Varo accounts to outside apps and services. - [How Vola used Plaid to save their users $18 million in overdraft fees](https://plaid.com/blog/vola-case-study/): With Plaid, Vola helps hundreds of thousands of users do things like avoid overdraft fees, set budgets, and build their credit scores. - [VRP: How Plaid can help you take advantage of a £1.5 billion opportunity](https://plaid.com/blog/vrp-product-launch/): How people pay for things is changing rapidly and account-to-account payments, embedded across online experiences, are the future. - [What the VRP sweeping definition changes means for your business](https://plaid.com/blog/vrp-sweeping-definition-changes/): How people pay for things is changing rapidly and account-to-account payments, embedded across online experiences, are the future. - [VRPs: the next frontier of open banking payments](https://plaid.com/blog/vrps-the-next-frontier-of-open-banking-payments/): VRPs and sweeping unlock countless opportunities for consumers to better manage their financial lives - [Wave helps micro-businesses grow](https://plaid.com/blog/wave/): When payers on Wave choose a Plaid-powered account authentication experience, they are 5.6x less likely to make a mistake resulting in a failed payment. - [How to prepare for an open finance future in the U.S. - Webinar Recap](https://plaid.com/blog/webinar-open-finance-future/): How financial institutions can best prepare for an open finance future in the U.S. - [Welcome, Summer 2019 Plinterns!](https://plaid.com/blog/welcome-summer-2019-plinterns/): The Plintern team from left to right: Lujing Cen, Sarafina Smith, Jennifer McCleary, Andrew Chen, Owen Gillespie, Jarrod Dunne, Eric Fortney (not pictured) ... - [Welcome, Summer 2020 PIinterns!](https://plaid.com/blog/welcome-summer-2020-plinterns/): Summer has officially kicked off and we’re incredibly excited to welcome our newest class of Plaid interns—also known as Plinterns! In our first year organiz... - [Welcome, Summer 2021 Plinterns!](https://plaid.com/blog/welcome-summer-2021-plinterns/): Meet our 2021 Plinterns! - [Embedded banking boosts retention 6x for Wethos](https://plaid.com/blog/wethos-case-study/): Tech startup Wethos wanted to embed financial services into their platform. With Unit + Plaid, they were able to do it in just six weeks. - [What is an AML compliance program and how do I get started?](https://plaid.com/blog/what-is-an-aml-compliance-program/): How fintechs can get started creating Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) compliance programs - [Yaroslav Korshak on viewing the journey as the goal](https://plaid.com/blog/yaroslav-korshak-on-viewing-the-journey-as-the-goal/): Get to know the people behind Plaid. - [Building a better financial future for all of us: Plaid’s 2023 snapshot](https://plaid.com/blog/year-in-review-2023/): In 2023, more people used fintech to take control of their money and safely connect to accounts than ever before. Learn how Plaid can help you grow in 2024. - [A Q&A with Adam Moelis of Yotta](https://plaid.com/blog/yotta-qa/): How Yotta uses Plaid Signal to make funds available more quickly to their users, all while minimizing the risk of ACH returns. - [YouLend offers a tech-first approach to SME financing](https://plaid.com/blog/youlend-customer-story/): Before Plaid, YouLend required prospective customers to upload bank statements. With Plaid, YouLend allows customers to apply for funding quickly and easily. - [Ziggma is leveling up portfolio management](https://plaid.com/blog/ziggma-customer-story/): With Plaid, Ziggma users can connect their accounts to take advantage of institutional-grade portfolio management tools, with monitoring and smart alerts. - [Zirtue brings structure and accountability to friends-and-family lending](https://plaid.com/blog/zirtue/): 83% of Zirtue’s transactions involve smaller banks and credit unions. With Plaid, Zirtue users can connect with 11,642 American banks and credit unions. ## Check - [Cash Flow-Based Consumer Report by Plaid Check CRA](https://plaid.com/check/consumer-report/): Qualify more borrowers & manage risk with real-time, consumer permissioned cash flow data. Plaid Check is a FCRA-compliant solution built for modern lenders. - [Assistance for survivors of human trafficking](https://plaid.com/check/consumer-service-center/assistance-for-survivors/): Assistance for survivors of human trafficking - [Submit a dispute](https://plaid.com/check/consumer-service-center/dispute/): Submit a dispute - [Forgot PIN?](https://plaid.com/check/consumer-service-center/forgot-security-freeze-pin/): Forgot PIN? - [Plaid Check Consumer Service Center](https://plaid.com/check/consumer-service-center/): Plaid Check Consumer Service Center - [Plaid Check questions or concerns](https://plaid.com/check/consumer-service-center/other-questions/): Plaid Check questions or concerns - [Place a fraud alert](https://plaid.com/check/consumer-service-center/place-fraud-alert/): Place a fraud alert - [Place a security freeze](https://plaid.com/check/consumer-service-center/place-security-freeze/): Place a security freeze - [Remove a fraud alert](https://plaid.com/check/consumer-service-center/remove-fraud-alert/): Remove a fraud alert - [Remove a security freeze](https://plaid.com/check/consumer-service-center/remove-security-freeze/): Remove a security freeze - [Report fraud or ID theft](https://plaid.com/check/consumer-service-center/report-fraud/): Report fraud or ID theft - [Request a copy of my consumer file](https://plaid.com/check/consumer-service-center/request-file/): Request a copy of your consumer file - [Revoke access to my data](https://plaid.com/check/consumer-service-center/revoke-access/): Revoke access to your data ## Core Exchange - [Authentication Docs](https://plaid.com/core-exchange/docs/authentication/index.html.md): Building Plaid Core Exchange OpenID Connect Protocol - [Changelog Docs](https://plaid.com/core-exchange/docs/changelog/index.html.md): Tracks changes to Plaid Core Exchange - [Dashboard overview Docs](https://plaid.com/core-exchange/docs/dashboard-overview/index.html.md): An overview of the configuration options available in Plaid's Dashboard - [Implementation Checklist Docs](https://plaid.com/core-exchange/docs/implementation-checklist/index.html.md): Checklist for implementing Plaid Core Exchange - [Home - Welcome Docs](https://plaid.com/core-exchange/docs/index.html.md): Plaid Developer Docs for an FDX-Aligned API - [Mock server Docs](https://plaid.com/core-exchange/docs/mock-server/index.html.md): Mock bank server - [4.6 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/4.6/index.html.md): Plaid Core Exchange API Reference - [5.0 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/5.0/index.html.md): Plaid Core Exchange API Reference - [5.1 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/5.1/index.html.md): Plaid Core Exchange API Reference - [5.2 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/5.2/index.html.md): Plaid Core Exchange API Reference - [5.3 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/5.3/index.html.md): Plaid Core Exchange API Reference - [6.0 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/6.0/index.html.md): Plaid Core Exchange API Reference - [6.1 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/6.1/index.html.md): Plaid Core Exchange API Reference - [6.2 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/6.2/index.html.md): Plaid Core Exchange API Reference - [6.3 - Plaid Core Exchange API Reference Docs](https://plaid.com/core-exchange/docs/reference/6.3/index.html.md): Plaid Core Exchange API Reference - [Core Exchange - Authentication Docs](https://plaid.com/core-exchange/docs/reference/authentication/index.html.md): Authentication options for the Core Exchange API - [API Reference Docs](https://plaid.com/core-exchange/docs/reference/index.html.md): Endpoints and data definitions - [User experience Docs](https://plaid.com/core-exchange/docs/user-experience/index.html.md): Plaid user experience guide ## Customer Stories - [Customer Success Stories](https://plaid.com/customer-stories/): Ever wonder what Plaid does? Meet some of our customers and discover the impact that partnering with Plaid can create. - [Acorns - Financial wellness through faster onboarding](https://plaid.com/customer-stories/acorns/): Acorns uses Plaid to deliver fast, secure onboarding and help families build wealth through smarter, more accessible investing tools. - [Addepar - Real-time visibility into financial holdings](https://plaid.com/customer-stories/addepar/): Addepar is a software platform for investment professionals. With Plaid, Addepar helps firms and investors create a more transparent financial system. - [Adyen - A payments API platform for pay by bank](https://plaid.com/customer-stories/adyen/): Adyen's powerful financial technology brings payment solutions to businesses across the globe. Learn more about pay by bank with Adyen and Plaid. - [Affirm: Digital lending with BNPL & real-time financial data](https://plaid.com/customer-stories/affirm/): Affirm empowers consumers and drives growth for business. Libor Michalek, President at Affirm, speaks about building honest financial products. Watch now. - [Alliant Credit Union - Benefits of open banking APIs](https://plaid.com/customer-stories/alliant-credit-union/): The benefits of open banking go beyond compliance. With Plaid, Alliant Credit Union uses open banking APIs for account verification, deposit growth, and more. - [Alto pharmacy - ACH payments for a better digital pharmacy](https://plaid.com/customer-stories/alto/): Alto is a digital pharmacy that makes medications more accessible. With Plaid, Alto offers ACH payments with reduced transaction fees. Learn more. - [Approve Owl - Auto loan decisioning & income verification](https://plaid.com/customer-stories/approve-owl/): Car buyers want a seamless customer experience for their auto loan. Learn how Approve Owl used Plaid to expedite the income verification process. - [Astra - Real-time spend data & seamless ACH transfers](https://plaid.com/customer-stories/astra/): Astra makes personal finance more intelligent and empowering. With Plaid, their customers can link credit cards and bank accounts in a matter of seconds. - [Atom Finance - Accessible investing with linked accounts](https://plaid.com/customer-stories/atom-finance/): Atom Finance needed a way for users to link their different investment accounts to the app. Plaid now connects to more than 95% of US investment accounts. - [Banxa: Crypto identity verification & KYC solutions](https://plaid.com/customer-stories/banxa/): Onramps are a vital part of the crypto ecosystem, and require streamlined onboarding. Learn how Banxa uses Plaid for crypto identity verification and KYC. - [Benny & Forrester: Optimizing digital onboarding](https://plaid.com/customer-stories/benny-and-forrester/): Learn how Benny and Forrester improved digital onboarding with Plaid by reducing dropoff, detecting fraud, and building user trust at scale. - [Betterment - Boost users lifetime value & drive engagement](https://plaid.com/customer-stories/betterment/): With Plaid, Betterment grows the lifetime value of users, enabling 91% to maintain a higher median account balance. - [BlueVine - Small business loans & financing with Plaid](https://plaid.com/customer-stories/bluevine/): Small businesses increasingly turn to fintechs for loans. BlueVine shares how Plaid speeds up the application and onboarding process. Read more. - [Branch - Instant payments with connected apps & accounts](https://plaid.com/customer-stories/branch/): How Branch uses Plaid to give workers connectivity to the apps and services they love - [Brex – Dynamic credit underwriting with real-time bank data](https://plaid.com/customer-stories/brex/): Plaid helps Brex streamline credit decisions with live bank data—enhancing customer experience, automation, and underwriting accuracy. Learn more. - [Customer Success Stories - Brigit](https://plaid.com/customer-stories/brigit/): With Plaid, Brigit has helped its users save more than $100 million in overdraft fees and payday loan interest. - [Building Stack - Modernizing property management](https://plaid.com/customer-stories/building-stack/): Building Stack is a solution for property managers for automation & tenant payments. Plaid helps them connect customer accounts & save money. Learn more. - [Canopy - Building proptech & rent tracking solutions](https://plaid.com/customer-stories/canopy/): Canopy is a digital rental marketplace that helps renters. Partnering with Plaid lets Canopy users connect their financial accounts in seconds. Learn more. - [Capital on Tap - UK small business credit cards & funding](https://plaid.com/customer-stories/capital-on-tap/): Capital on Tap is a small business credit card and spend management platform. Learn how their partnership with Plaid enables more access to funding. - [Capitalise - A marketplace for UK SME loans](https://plaid.com/customer-stories/capitalise/): Capitalise is a SME UK business finance platform, who's vision is to unlock UK businesses’ full potential by matching the business to the right lender. - [Carvana Customer Success Story - 2018](https://plaid.com/customer-stories/carvana-2018/): Before Plaid, Carvana's customers were dropping out of checkout because it took too long. Now they can link bank accounts in seconds. - [Carvana - Seamless car buying with instant payments](https://plaid.com/customer-stories/carvana/): Carvana uses Plaid to enable instant payments & refunds - reducing friction at checkout & delivering a faster, trusted car buying experience. - [Chime - Linking bank accounts for seamless onboarding](https://plaid.com/customer-stories/chime/): Chime is a technology company that believes banking should be easy. Working with Plaid helped them streamline account linking and onboarding. Learn more. - [Clear Books - Linking business transactions with ease](https://plaid.com/customer-stories/clearbooks/): Clear Books help needed a way for users to share business transactions. With Plaid, Clear Books saw a 51% increase in number of customer connections. - [Coinbase - ID verification & KYC for crypto onboarding](https://plaid.com/customer-stories/coinbase/): The crypto landscape continues to evolve. Learn how Coinbase has weathered the storm by leaning into regulation and safety, and how Plaid has helped. - [Copilot money - Building a personal financial management app](https://plaid.com/customer-stories/copilot/): “As close to perfect as you can get”: How Copilot uses real-time insights from Plaid to put users in the driver’s seat - [Credit Union of Texas - CUTX & Plaid improves data insights](https://plaid.com/customer-stories/credit-union-of-texas/): CUTX has a mission to provide exceptional experiences to clients. Learn how working with Plaid provides members with better insights into their finances. - [Cushion - Redefining BNPL & bill pay - Customer Stories](https://plaid.com/customer-stories/cushion/): Cushion is a consumer bill pay app that offers folks a single place to manage, pay, and build credit. Learn how Plaid helps them better serve users. - [Datos & Affirm: Evolving lending with cash flow underwriting](https://plaid.com/customer-stories/datos-insights-and-affirm/): Hear from Affirm, Datos Insights & Plaid how cash flow underwriting can help you serve more borrowers, improve lending decisions, and reduce risk. - [Deel - Elegant payroll & account linking for remote work](https://plaid.com/customer-stories/deel/): Deel needed to authenticate foreign bank accounts. Using Plaid, Deel simplified account verification to make payroll easier for international employees. - [Digits – Building the 21st-century ledger](https://plaid.com/customer-stories/digits/): Learn how Digits is transforming small business accounting with AI, automation, & Plaid-powered access to real-time transactions, balance data, & insights. - [Domuso - Certifying rent payments with ACH & risk insights](https://plaid.com/customer-stories/domuso/): Learn how Domuso improved rent payment UX with Plaid's ACH linking and risk tools to reduce returns, cut delinquency, and boost approval rates. - [Dwolla - Scaling businesses with ACH payments](https://plaid.com/customer-stories/dwolla/): Small businesses can’t scale sustainably with high credit card fees. Dwolla + Plaid saves businesses more than $5 million in credit card fees every year. - [Ellevest - Investment coaching for women](https://plaid.com/customer-stories/ellevest/): Ellevest offers investment products tailored to women. By partnering with Plaid, Ellevest helped customers onboard and connect accounts with ease. - [Esusu - Building credit through paying rent](https://plaid.com/customer-stories/esusu/): Esusu uses spending insights to help users improve or establish credit. Learn how Plaid Transactions helps Esusu customers unlock financial freedom. - [Experian: Smarter credit decisioning with cash flow data](https://plaid.com/customer-stories/experian/): Experian and Plaid partner to bring real-time cash flow insights to lending—helping expand credit access and improve risk decisioning at scale. - [Customer Success Stories - Financial Gym](https://plaid.com/customer-stories/financial-gym/): Financial Gym was able to quickly connect its existing system with Plaid Transactions, which seamlessly links with clients’ bank and credit card accounts. - [First Tech Federal Credit Union - Intuitive funding accounts](https://plaid.com/customer-stories/first-tech/): With Plaid, First Tech Federal Credit Union was able to increase their average initial funding amount by 5x, making it fast, convenient, and secure. - [Flexport - Unlocking smarter lending in global trade](https://plaid.com/customer-stories/flexport/): Flexport uses Plaid's financial insights to finance more of clients’ inventory and logistics costs - [Gemini - ID Verification solution for Crypto](https://plaid.com/customer-stories/gemini/): Gemini is a crypto marketplace designed to meet needs of investors of all sizes. With Plaid, Gemini provides a safe and secure way to verify identities. - [Green Dot - Linking bank accounts & banking as a service](https://plaid.com/customer-stories/green-dot/): Green Dot is a bank that does it all--from fintech to banking-as-a-service. For an industry-leading solution to connect accounts, Green Dot turned to Plaid. - [H&R Block - The value of partnerships in a fintech ecosystem](https://plaid.com/customer-stories/hrblock/): H&R Block is a household name in finance. Learn how partnerships have helped fuel growth for H&R Block as they build tools to help consumers manage money. - [Invitation Homes: Income verification for smart home leasing](https://plaid.com/customer-stories/invitation-homes/): Applying to lease a home can be complex. Learn how Invitation Homes streamlined their application process & improved completion rates using Plaid Income & IDV. - [Klover - Connecting accounts with Plaid](https://plaid.com/customer-stories/klover/): Klover is a fintech platform bringing insights to consumers for better financial decisions. They turned to Plaid to drive customer engagement. Learn more. - [LendingTree - going beyond loans](https://plaid.com/customer-stories/lendingtree/): LendingTree is one of the nation's largest online lending marketplaces. They turned to Plaid to help customers safely and securely share financial data. - [Plaid customer stories & case studies - Apps that use Plaid](https://plaid.com/customer-stories/library/): Meet Plaid customers shaping the future of finance. Browse case studies to learn how Plaid can help with connectivity, compliance, money movement, and more. - [Livble - Pay rent in installments with cash flow data](https://plaid.com/customer-stories/livble/): Livble is an app that helps tenants pay rent over multiple manageable payments. Learn how Plaid enables Livble with access to real-time cash flow data. - [Mollie - Merchant onboarding & financial flexibility](https://plaid.com/customer-stories/mollie/): Mollie is a leading payment provider in Europe. Mollie's open banking integration with Plaid improves customer onboarding efficiency & more funding options. - [Moneybox - Investing & ISAs in the UK with VRPs](https://plaid.com/customer-stories/moneybox/): Variable Recurring Payments (VRPs) are consumer-controlled recurring payments that offer greater flexibility. Learn how Moneybox is using VRPs with Plaid. - [MoneyGram – Enhancing cross-border payments with pay by bank](https://plaid.com/customer-stories/moneygram/): Discover how MoneyGram uses Plaid to enable faster, safer cross-border transfers with seamless bank account connectivity. - [MoneyLion: Building the financial marketplace of the future](https://plaid.com/customer-stories/moneylion/): In this Tech Talk, we look at how MoneyLion is rethinking the lender and consumer experience and building a marketplace that meets modern consumers’ needs. - [MSUFCU - Data connectivity solutions for fintech](https://plaid.com/customer-stories/msufcu/): MSUFCU is a credit union that aims to provide its members with top service. Learn how partnering with Plaid increased member satisfaction. Read more. - [Obligo - A new approach to rent & security deposits](https://plaid.com/customer-stories/obligo/): Obligo is a platform that eliminates the need for security deposits. Learn how working with Plaid lets Obligo understand a renter's financial situation. - [OneGold - Propelling growth of precious metal investing](https://plaid.com/customer-stories/onegold/): OneGold needed a way for users to connect their financial accounts to make ACH payments. Today, users who link their accounts with Plaid transact 3x more. - [Outdoorsy - Faster payouts for peer-to-peer marketplaces](https://plaid.com/customer-stories/outdoorsy/): Outdoorsy needed a way to pay their users that was swift and offered a great UX. With Plaid, nearly all payments are completed within 24 hours. - [PadSplit - Fast income verification & loan underwriting](https://plaid.com/customer-stories/padsplit/): How PadSplit uses Plaid to verify members’ incomes, boosting the speed and quality of its underwriting process. - [Paysend - Enabling international money transfers from the UK](https://plaid.com/customer-stories/paysend/): Paysend's payment ecosystem enables international money transfers across 170 countries. Learn how Paysend uses open banking to unlock more transactions. - [Penny Finance: Closing the wealth gap with financial data](https://plaid.com/customer-stories/penny-finance/): Penny Finance leverages Plaid to enable personalized money advice, helping women & underserved communities gain clarity, confidence, & financial progress. - [Petal - Reducing portfolio risk with cash flow data](https://plaid.com/customer-stories/petal/): Petal needed a way for users to share access to their financial data in order to perform cash flow underwriting. That's when they turned to Plaid. - [Placid Express - Secure remittances & instant verification](https://plaid.com/customer-stories/placid-express/): Placid Express offers speed without surcharges. After integrating with Plaid, Placid Express saw an 80% increase in approval rates for ACH-funded transfers. - [PokerStars UK - Payouts and money movement made easy](https://plaid.com/customer-stories/pokerstars/): PokerStars is one of the leading online poker platforms. Learn how Plaid has improved the player experience with efficient account verification & payouts. - [Positive Finance - Impact finance streamlined with Plaid](https://plaid.com/customer-stories/positive-finance/): Positive Finance is an impact investing platform for businesses & employees. With Plaid, investors can easily connect their account to invest. Learn more. - [Possible - Instant onboarding for small dollar lending](https://plaid.com/customer-stories/possible/): Possible helps users break free from the debt trap that can come with small dollar lending. Learn how Possible improved the onboarding experience with Plaid. - [PredictionStrike: Safer onboarding for sports gaming](https://plaid.com/customer-stories/prediction-strike/): Learn how sports stock market PredictionStrike used Plaid to streamline onboarding, verify users, and fight fraud in real-time gaming experiences. - [Prosper - Streamlined bank connections for affordable loans](https://plaid.com/customer-stories/prosper/): Prosper needed a reliable way to onboard new users. With Plaid, Prosper’s customers successfully connect their bank accounts about 80% of the time. - [Public - Streamlined onboarding & secure authentication](https://plaid.com/customer-stories/public/): How Public enables members to invest in any type of asset by authenticating and funding accounts quickly and securely with Plaid. - [Purpose Financial - Fast income verification, faster funding](https://plaid.com/customer-stories/purpose-financial/): Purpose Financial needed a fast, robust, and user-friendly income verification tool. With Plaid, Purpose Financial can issue more loans faster. - [Qapital - Increase savings while spending happy](https://plaid.com/customer-stories/qapital/): Qapital offers automated savings tools. With Plaid, Qapital has helped its users avoid more than $2.7 million in overdraft fees and save more than $1 billion. - [Rent App: Smarter rent payments with dynamic underwriting](https://plaid.com/customer-stories/rent-app/): See how Rent App simplifies rent with cash flow underwriting, fraud detection, and real-time financial data from Plaid. - [Republic - Verifying identities globally & reducing fraud](https://plaid.com/customer-stories/republic/): In an exclusive conversation at Plaid Forum, Lee talks about the key to fighting fraud, staying compliant, and winning customers. - [Robinhood: Enabling instant trades with ACH fraud prevention](https://plaid.com/customer-stories/robinhood/): With Plaid, Robinhood lowers risk and unlocks more than $100 million in instant funds each year. - [Rocket: Simplifying homeownership with connected data](https://plaid.com/customer-stories/rocket/): Rocket uses Plaid to simplify asset verification and streamline lending — building a faster, more connected path to homeownership and financial wellness. - [SaverLife - Empowering savings with consumer financial data](https://plaid.com/customer-stories/saverlife/): SaverLife uses bank transactions data to help members gain financial stability. Plaid enables SaverLife to track how much members save and ensure impact. - [Customer Success Stories - Shift](https://plaid.com/customer-stories/shift/): Shift was collecting payments the old way—and it was harming their business. With Plaid, they saw a 60% increase in on-the-spot conversions. - [Slope - Buy Now Pay Later (BNPL) fintech for B2B](https://plaid.com/customer-stories/slope/): Slope is a buy now pay later (BNPL) system for B2B businesses that helps wholesalers digitize their business. Learn how Plaid helps them connect accounts. - [SoFi - Building a financial picture with instant insights](https://plaid.com/customer-stories/sofi/): How SoFi Insights uses real-time data from Plaid to optimize members’ finances through actionable insights. - [Stash - Move money quickly with easy onboarding](https://plaid.com/customer-stories/stash/): How Stash grew their user base and reduced fraud by building Plaid into their onboarding flow. - [Steady - Job recommendations & tips fueled by financial data](https://plaid.com/customer-stories/steady/): Steady needed financial data to help its members make more money. With Plaid, job seekers can share their financial data with Steady. - [Stilt - Underwriting loans with cash-flow data](https://plaid.com/customer-stories/stilt/): Stilt needed financial data to offer loans. With Plaid, Stilt can use consumer-permissioned cash-flow data to help determine a borrower’s creditworthiness. - [TAB Bank - Real-time data connectivity with Core Exchange](https://plaid.com/customer-stories/tab-bank/): How TAB Bank uses Core Exchange to be at the center of their customers’ financial lives by providing them with real-time data connectivity. - [Taptap Send - Global money transfers made easy](https://plaid.com/customer-stories/taptap-send/): Taptap Send is a global payments platform simplifying money transfers. Learn how Taptap Send uses Plaid to give customers seamless top ups and better UX. - [The Beans - Personal financial management for caregivers](https://plaid.com/customer-stories/the-beans/): The Beans is a financial management platform designed to help employees in caring professions. Learn how Plaid provides them with data access and insights. - [Uphold - Digital asset trading with payment risk solution](https://plaid.com/customer-stories/uphold/): With Plaid, Uphold protects their customers from fraud while reducing their return rates and losses. - [Varo Bank - An Entirely New Kind of Bank](https://plaid.com/customer-stories/varo/): In just five months, more than 176,000 Varo customers have used Plaid Direct to connect their Varo accounts to outside apps and services - [Veridian Credit Union Q&A: Fraud solutions for credit unions](https://plaid.com/customer-stories/veridian-credit-union/): Keeping up with fraudsters takes work. Learn how Veridian Credit Union saved time and improved security with Plaid's IDV and fraud prevention solutions. - [Vola - Creating financial tools to empower the underserved](https://plaid.com/customer-stories/vola/): With Plaid, Vola helps hundreds of thousands of users do things like avoid overdraft fees, set budgets, and build their credit scores. - [Wave - Simplifying ACH payments & reducing fraud](https://plaid.com/customer-stories/wave/): When Wave’s end-users choose to connect their bank accounts with Plaid, they are 5.6 times less likely to make a mistake resulting in a failed payment. - [Western Union - Money transfers & payments in UK & Europe](https://plaid.com/customer-stories/western-union/): Western Union is a global leader in cross-border and cross-currency money transfers. Learn how Western Union uses Plaid for seamless open banking payments. - [Wethos + Unit - Retention with embedded banking solutions](https://plaid.com/customer-stories/wethos-unit/): With Unit + Plaid, Wethos was able to launch banking in just six weeks. - [Wise - Seamless payments with secure data connectivity](https://plaid.com/customer-stories/wise/): In an exclusive conversation with Plaid, Ankita D’Mello shares how Wise helps customers connect to over 6,000 fintech apps with Core Exchange. - [Wonderschool - Childcare payments solutions through fintech](https://plaid.com/customer-stories/wonderschool/): Wonderschool helps families gain access to much-needed childhood care. Learn how Wonderschool uses Plaid to help childcare providers connect accounts. - [Yotta - Reducing ACH fraud & speeding up transactions](https://plaid.com/customer-stories/yotta/): How Yotta uses Plaid Signal to make funds available more quickly to their users, all while minimizing the risk of ACH returns. - [YouLend - Tech-driven embedded lending for the UK and beyond](https://plaid.com/customer-stories/youlend/): Leverage cash-flow data for faster credit decision. YouLend's partnership with Plaid enables a faster financing process with a 90% approval rate. Learn more. - [Customer Success Stories - Zeta](https://plaid.com/customer-stories/zeta/): With Plaid at its foundation, Zeta went from concept to fully integrated in 5 months. Zeta also saved millions of dollars with Plaid versus an in-house API. - [Ziggma - Simple portfolio management with connected accounts](https://plaid.com/customer-stories/ziggma/): With Plaid, Ziggma users can connect their accounts to take advantage of institutional-grade portfolio management tools, with monitoring and smart alerts. - [Zillow Home Loans - Unlocking Faster, Smarter Loan Approvals](https://plaid.com/customer-stories/zillow-home-loans/): Zillow Home Loans made the mortgage process faster, easier, and more transparent. Learn how Zillow helped customers get pre-approved faster with Plaid. - [Customer Success Stories - Zip](https://plaid.com/customer-stories/zip/): With Plaid, Zip automates essential compliance work, securing the shopping experience for millions of customers. - [Zirtue - Peer-to-peer lending with seamless bank connections](https://plaid.com/customer-stories/zirtue/): Zirtue’s lending transactions often involve smaller banks and credit unions. With Plaid, Zirtue users can connect with 11,642 American banks and credit unions. ## Events - [1033 compliance simplified: A tech talk on open banking](https://plaid.com/events/1033-compliance-simplified-tech-talk/): With the new 1033 rule, a new era of open banking is here. Watch insights from our in-house panel of experts in this tech talk on 1033 compliance. - [2022 fintech predictions with Zach Perret](https://plaid.com/events/2022-fintech-predictions-tech-talk/): Join us for our first Tech Talk of the year with our CEO Zach Perret to discuss some of the biggest fintech trends from 2021 and predictions for the year ahead. - [2023 Fintech Predictions with Zach Perret](https://plaid.com/events/2023-fintech-predictions-tech-talk/): Join us for a Tech Talk with Zach Perret, Co-Founder & CEO of Plaid as he discuss some of the biggest fintech trends and predictions for 2023. - [2024 Fintech Predictions with Zach Perret](https://plaid.com/events/2024-fintech-predictions-tech-talk/): Every year, Plaid looks into the trends shaping digital finance. Watch Zach Perret, Co-Founder and CEO of Plaid, to see what 2024 has in store. - [Account Select pane workshop](https://plaid.com/events/Account-Select-pane-workshop/): During this workshop, we’ll share more about Account Select pane updates and conduct a technical deep dive so you can learn more about what this means for you. - [Section 1033: Open banking regulation with American Banker](https://plaid.com/events/american-banker-1033-regulation-webinar/): Banking regulation changes are coming. Hear from industry experts on the upcoming Section 1033 rulemaking and its impact on open banking regulation - [Watch now: Combatting evolving fraud with Aspen Institute](https://plaid.com/events/aspen-institute-combat-against-fraud-on-demand/): Watch the tech talk with Aspen Institute and Plaid to learn how banks can combat evolving fraud through technology and collaboration. Learn more. - [Build smart defenses against evolving fraud: Aspen Institute](https://plaid.com/events/aspen-institute-combat-against-fraud-tech-talk/): Join Aspen Institute and Plaid to learn how banks can combat evolving fraud through technology and collaboration. Watch for key insights and solutions. - [How to build an investment platform customers love](https://plaid.com/events/betterment-tech-talk/): Learn how to offer personalized recommendations, actionable insights, and a seamless user experience that will keep customers coming back for more - [Breaking Banks podcast - Pay by Bank with Adyen & Plaid](https://plaid.com/events/breaking-banks-pay-by-bank/): More customers are ready to pay by bank throughout the US. Hear more about bank payments from experts at Plaid & Adyen on this episode of Breaking Banks. - [Building a business case for pay by bank: Watch now](https://plaid.com/events/business-case-for-pay-by-bank-watch-now/): Watch our tech talk with Forrester and Adyen and learn how to build a business case for pay by bank. Reduce processing fees with account to account payments. - [Building a business case for pay by bank: Tech talk](https://plaid.com/events/business-case-for-pay-by-bank/): Build a business case for pay by bank. Learn how to reduce payment processing fees and accept bank payments online in this webinar with Forrester and Adyen. - [Canada Open Banking Roundtable Webinar](https://plaid.com/events/canada-open-banking-roundtable-webinar/): Join Plaid and Canadian policy experts for a discussion on what’s next for Open Banking in Canada and the opportunities ahead. - [Lend smarter with cash flow underwriting - Datos Insights](https://plaid.com/events/datos-insights-future-of-lending-tech-talk/): Unlock the future of lending with cash flow data. Cash flow insights can improve outcomes and expand financial inclusion. Watch our webinar to learn more. - [Watch Effects 2025 - The future of finance unlocked](https://plaid.com/events/effects/): Explore cutting-edge innovations in onboarding, fraud, credit, & payments at Effects 2025. Unlock what's next in finance and fintech. Watch now. - [Expanding credit access with Experian - Breaking Banks](https://plaid.com/events/expanding-credit-access-experian-breaking-banks/): Learn how real-time cash flow data can transform credit access. Experian and Plaid join the Breaking Banks podcast to talk about smarter lending. Listen now. - [Fintech Effect 2023 Tech Talk](https://plaid.com/events/fintech-effect-tech-talk-2023/): Fintech Effect 2023 Tech Talk - [Fintech Predictions 2024 on Demand](https://plaid.com/events/fintech-predictions-2024-on-demand/): What is in store for fintech in 2024? Watch Plaid's 2024 Fintech Predictions for insight into the trends shaping digital finance. - [Watch Fintech Predictions 2025 with Zach Perret on demand](https://plaid.com/events/fintech-predictions-2025-on-demand/): Watch our annual discussion with Zach Perret and the Plaid team as they give unique takes on what's coming for open finance, fraud, lending and much more. - [Fintech Predictions with Zach Perret - 2025 Tech Talk](https://plaid.com/events/fintech-predictions-2025-tech-talk/): Watch our annual discussion with Zach Perret and the Plaid team as they give unique takes on what's coming for open finance, fraud, lending and much more. - [Forrester & Benny: Balance seamless onboarding with security](https://plaid.com/events/forrester-benny-secure-onboarding-tech-talk/): Join Plaid, Forrester, & Benny for a conversation on optimizing user onboarding with real-time risk detection & fraud prevention. Register now! - [Seamless & secure onboarding - Forrester & Benny: Watch now](https://plaid.com/events/forrester-benny-secure-onboarding-watch-now/): Learn how to improve secure onboarding with real-time risk detection and fraud prevention strategies from Plaid, Forrester, and Benny. Watch now! - [Watch now: Cash flow underwriting with American Banker](https://plaid.com/events/future-cash-flow-underwriting-webinar-watch-now/): Learn how cash flow data can lead to more qualified borrowers. Watch our webinar with American Banker to learn more about using alternative data in lending. - [Cash flow underwriting in fintech with American Banker](https://plaid.com/events/future-cash-flow-underwriting-webinar/): Learn how cash flow data in fintech can lead to more qualified borrowers. American Banker & Plaid discuss alternative data and better lending outcomes. - [Future of Payments the next phase of open banking innovation](https://plaid.com/events/future-of-payments-champagne-tasting/): Join fellow fintech leaders for a guided wine tasting in the Plaid office - [Future of Payments The next phase of open banking innovation](https://plaid.com/events/future-of-payments-the-next-phase-of-open-banking-innovation/): Future of Payments: The next phase of open banking innovation - [Strengthen your ID verification & anti-fraud stack](https://plaid.com/events/id-verification-anti-fraud-stack-tech-talk/): Learn how to strengthen your verification and anti-fraud strategy with Plaid to detect bad actors, onboard more trusted users, and unify your onboarding experience. - [IDV Tech Talk](https://plaid.com/events/idv-tech-talk/): Learn how Plaid Identity Verification and Monitor can help you do more with less – onboarding more new users while saving your risk and compliance teams hundreds of hours - [Lending smarter with cash flow data](https://plaid.com/events/lending-smarter-cash-flow-data/): How leading lenders are using cash flow data to offer superior credit products to consumers and maximize their financial returns - [Meet at Money20/20 - Oct 27-30, 2024 - Book a meeting](https://plaid.com/events/meet-at-money-2020/): Money 20/20 is fintech's premier global stage for content, sales, and networking. Meet with Plaid at this year's Money20/20 event. - [Meet Plaid at Digital Mortgage](https://plaid.com/events/meet-plaid-digital-mortgage/): Join Plaid at Digital Mortgage on September 13-15 to start improving your lending process - [Meet Plaid at Lend360](https://plaid.com/events/meet-plaid-lend360/): Join Plaid at LendConnect on September 12-14 to start improving your lending process - [Meet Plaid at LendConnect](https://plaid.com/events/meet-plaid-lendconnect/): Join Plaid at LendConnect on August 29-31 to start improving your lending process - [Consumer Finance Trends in 2025 – Money Talks](https://plaid.com/events/money-talks-consumer-survey-report-2025/): Explore how consumers engage with their finances in 2025, from digital banking to payments and crypto. Download the report for the latest market trends. - [Watch Now: Plaid Tech Talk with MoneyLion](https://plaid.com/events/moneylion-tech-talk-watch-now/): MoneyLion is rethinking the consumer experience, building a new way to shop for financial products. Watch the discussion on the future of lending. - [Building a new way to shop financial products with MoneyLion](https://plaid.com/events/moneylion-tech-talk/): MoneyLion is rethinking the consumer experience, building a new way to shop for financial products. Join our discussion on the future of lending. - [Navigate the future of real-time payments – Nacha](https://plaid.com/events/nacha-road-to-real-time-payments-tech-talk/): Real-time payments are here. Discover how open banking, instant settlement, & biometric authentication are shifting the payments landscape. Watch to learn more. - [Navigate the future of real-time payments - Nacha: Watch now](https://plaid.com/events/nacha-road-to-real-time-payments-watch-now/): Real-time payments are here. Discover how open banking, instant settlement, & biometric authentication are shifting the payments landscape. Watch now. - [Navigate FINTRAC with Plaid Identity Verification](https://plaid.com/events/navigate-fintrac-plaid-identity-verification/): Learn how you can verify customers in seconds to prevent fraud while complying with FINTRAC guidelines with Plaid. - [Plaid Forum 2021](https://plaid.com/events/plaid-forum-2021/): Tune in for Plaid Forum on-demand to hear the latest platform and product updates, and trends that can help you take your business to new heights. - [Plaid Forum 2022 Product Interest Form](https://plaid.com/events/plaid-forum-interest-form/): Let us know what products featured at Plaid Forum 2022 you would like to learn more about - [Plaid Fintech Happy Hour at Web Summit](https://plaid.com/events/plaid-websummit-happy-hour/): Plaid Fintech Happy Hour at Web Summit - [On demand: From infrastructure to analytics with PYMNTS](https://plaid.com/events/pymnts-from-infrastructure-to-analytics-on-demand/): Watch as PYMNTS & Plaid explore how Plaid is moving beyond connectivity to lead in AI-driven decisioning, secure identity, and the future of open finance. - [Watch now: From infrastructure to analytics with PYMNTS](https://plaid.com/events/pymnts-from-infrastructure-to-analytics-watch-now/): Watch PYMNTS & Plaid explore how Plaid is moving beyond connectivity to lead in AI-driven decisioning, secure identity, and the future of open finance. - [The Road to Real Time Payments](https://plaid.com/events/road-to-real-time-payments/): Plaid, Forrester, and Novo discuss the road to real-time payments, including the future of ACH, risk and fraud prevention, and how RTP and FedNow will fuel innovation. - [Thank you - We saved your spot!](https://plaid.com/events/thank-you/): Another RSVP in the bank. Thanks for registering. Get ready for a wealth of insights. - [Understanding open banking - Bank Automation News webinar](https://plaid.com/events/understanding-open-bank-tech-talk/): Stay competitive and compliant with open banking. Hear what industry leaders are prioritizing as they navigate the evolving landscape of open banking. - [Unlock payment flow & efficiency with Modern Treasury](https://plaid.com/events/unlock-payment-efficiency-modern-treasury/): Fintechs of all sizes can face challenges with payments. Learn how to unlock more efficient payments in this tech talk with Modern Treasury and Plaid. - [Unlock personalization in banking with transaction data](https://plaid.com/events/unlocking-personalization-transaction-enrichment/): Learn how financial institutions can transform their internal transaction data into personalized, actionable user insights with data cleansing and enrichment - [Watch: Lend smarter with cash flow data - Datos Insights](https://plaid.com/events/watch-datos-insights-future-of-lending-tech-talk/): Watch our tech talk on the future of lending with cash flow data. Learn how cash flow can improve lending outcomes and expand financial inclusion ## Industries - [Plaid for banks & credit unions - Digital banking solutions](https://plaid.com/industries/banks-credit-unions/): Grow deposits, increase funding, and fight fraud. With Plaid, banks and credit unions can open and fund more accounts while reducing fraud and returns. - [Gaming payment solutions, KYC compliance & player onboarding](https://plaid.com/industries/gaming/): Simplify gaming payment processing, speed up player onboarding, and stay KYC and AML compliant. Discover how Plaid powers secure payments for gaming companies. - [Government payments & fraud prevention for the public sector](https://plaid.com/industries/government-public-sector/): Explore digital transformation for state and local government with Plaid. Enable secure ACH payments, identity verification, and fraud prevention. Learn more. - [Mortgage lending & fraud prevention solutions for lenders](https://plaid.com/industries/mortgage/): Plaid helps mortgage lenders streamline workflows, verify borrower accounts, prevent fraud, and speed up closings with trusted digital solutions. Learn more. - [Tenant screening & rent payments for property management](https://plaid.com/industries/property-management/): Streamline rent collection, tenant onboarding & income verification with Plaid’s property management solutions. Reduce friction & fraud. Learn more. ## Legal - [Privacy and security policies](https://plaid.com/legal/): Learn more about Plaid’s security and privacy policies, as well as the terms and conditions that may apply when using certain Plaid products and services. - [Formulario de solicitud de privacidad: Acceso/supresión y otros derechos de protección de datos](https://plaid.com/legal/data-protection-request-form-es/): Ejercer sus derechos de protección de datos - [Formulaire de demande en matière de confidentialité : Droits d’accès/de suppression et autres droits en matière de protection des données](https://plaid.com/legal/data-protection-request-form-fr/): Exercez vos droits de protection des données - [Verzoek tot inzage/gegevenswissing](https://plaid.com/legal/data-protection-request-form-nl/): Oefen uw rechten op gegevensbescherming uit - [Privacy Request Form: Access/Delete and Other Data Protection Rights](https://plaid.com/legal/data-protection-request-form/): Exercise your data protection rights - [Terms of Use](https://plaid.com/legal/terms-of-use/): Plaid Terms of Use ## Partner Directory - [Partner Directory](https://plaid.com/partner-directory/): Partner Directory - [Contact us](https://plaid.com/partner-directory/contact/): We love hearing from you! Contact the Plaid team with sales, partnerships, press, and brand inquiries ## Partners - [Plaid Partner Program](https://plaid.com/partners/): Plaid partners with digital leaders to help their customers build applications and services that solve big problems. - [Dwolla payments API integration - Partners](https://plaid.com/partners/dwolla/): Make payments frictionless with Dwolla and Plaid. Our partnership with Dwolla allows businesses to leverage their API to connect to rails like ACH and RTP®. - [Plaid & Experian - Credit decisioning & loan risk assessment](https://plaid.com/partners/experian/): Uncover the full story behind every borrower. Make smarter credit decisions with cash flow insights powered by Plaid and Experian. Learn how. - [Q2 - Digital banking solutions for banks & credit unions](https://plaid.com/partners/q2/): Power smarter financial experiences with Q2 and Plaid. Learn how banks and credit unions use Q2's digital banking platform for payments, lending, and more. ## Plaid Check Consumer Report - [Consumer Services Agreement](https://plaid.com/plaid-check-consumer-report/consumer-services-agreement/): Plaid Check Consumer Services Agreement - [Notices of Consumer Rights](https://plaid.com/plaid-check-consumer-report/notices-of-consumer-rights/): Plaid Check Federal and State Notices of Consumer Rights - [Privacy Policy](https://plaid.com/plaid-check-consumer-report/privacy-policy/): Plaid Check Privacy Policy ## Plaid Exchange - [Authentication Docs](https://plaid.com/plaid-exchange/docs/authentication/index.html.md): Building Plaid Exchange OAuth - [Changelog Docs](https://plaid.com/plaid-exchange/docs/changelog/index.html.md): Track changes to Plaid Exchange - [Implementation Guide Docs](https://plaid.com/plaid-exchange/docs/implementation-guide/index.html.md): Plaid Exchange Implementation guide - [Home - Welcome Docs](https://plaid.com/plaid-exchange/docs/index.html.md): Plaid Exchange Documentation Portal. - [Aggregation - Plaid Exchange Reference Docs](https://plaid.com/plaid-exchange/docs/reference/aggregation/index.html.md): Plaid Exchange Data Aggregation Reference - [Data Definitions Docs](https://plaid.com/plaid-exchange/docs/reference/data-definitions/index.html.md): Plaid Exchange Data Definitions - [Errors and Conditions Docs](https://plaid.com/plaid-exchange/docs/reference/errors-and-conditions/index.html.md): Plaid Exchange error and messaging details - [API Reference Docs](https://plaid.com/plaid-exchange/docs/reference/index.html.md): Data Definitions, Data Endpoints and Errors - [User experience Docs](https://plaid.com/plaid-exchange/docs/user-experience/index.html.md): Plaid User Experience guide ## Products - [App Directory - Insights on customer app connections](https://plaid.com/products/app-directory/): Plaid's App Directory provides a streamlined dashboard with insights on up-to-date customer connections to help manage risk and compliance. Learn more. - [Assets - Asset verification software - check & verify assets](https://plaid.com/products/assets/): Reduce reliance on manual document uploads and reviews. Verify assets and account ownership directly from the source with Plaid assets. Learn more. - [Auth - Instant bank account verification API](https://plaid.com/products/auth/): Plaid's Auth API product allows companies to instantly authenticate bank accounts for payments and set up ACH transfers from any bank. - [Balance API - verify bank account balance](https://plaid.com/products/balance/): Plaid's Balance API allows companies to verify real-time account balances. Protect against overdraft and NSF fees. - [Beacon - The anti-fraud network for fintech](https://plaid.com/products/beacon/): Beacon leverages the power of the Plaid network to stop the proliferation of identity fraud in its tracks. Protect your users and fight fraud with Beacon. - [Core Exchange - Financial data APIs built to FDX standards](https://plaid.com/products/core-exchange/): Build FDX-aligned APIs your institution can use to connect with Plaid and other organizations. Connect to the world of open finance with Core Exchange. - [Enrich - Data enrichment and transaction categorization API](https://plaid.com/products/enrich/): Enrich brings clarity to the transaction data generated from your banking products, or from non-Plaid sources. Enhancements include merchant, category, and location insights. - [Identity Verification - Global IDV to Ensure KYC Compliance](https://plaid.com/products/identity-verification/): Verify your users’ identities, around the world. Ensure know your customer (KYC) and customer due diligence (CDD) compliance while improving conversion rates. - [Identity API - Verify & match user account ownership](https://plaid.com/products/identity/): Plaid’s Identity API allows companies to verify and match user account ownership, all with just a few lines of code. Find out how. - [Income - Income & Employment Verification API](https://plaid.com/products/income/): Plaid's Income product offers a seamless integration to help verify income and employment. Learn more about our secure employment and income verification. - [Investments Move: Fast, secure brokerage transfers](https://plaid.com/products/investments-move/): Plaid’s Investments Move helps brokerages automate asset transfers, reduce rejections, and improve conversion with broker-sourced data. - [Investment API - retrieve investment data](https://plaid.com/products/investments/): Plaid's Investments API allows companies to build a holistic view of a user's investment accounts, including account balances, holdings, and transactions. - [Liabilities API - Verify debt and loan data](https://plaid.com/products/liabilities/): Access detailed loan data all with a simple endpoint. Liabilities helps you retrieve details on major debts, like credit cards, and mortgages. - [Monitor Watchlist Screening - Easy AML and PEP Compliance](https://plaid.com/products/monitor/): Reduce fraud, ensure compliance, and save time on manual reviews with Monitor anti-money laundering and politically exposed person watchlist screening. - [Permissions Manager - permissions management API](https://plaid.com/products/permissions-manager/): Help your users manage all of their connections to Plaid-powered apps with a custom consumer permissions portal. Build better with Plaid. - [Protect - Real-time fraud detection & risk scoring](https://plaid.com/products/protect/): Prevent fraud, not growth. Get a real-time fraud score at any step of the user journey with Plaid Protect. Learn how to reduce fraud without friction. - [Signal - ACH Risk Assessment & Scoring API](https://plaid.com/products/signal/): Signal - a machine learning risk engine - assesses and predicts the risk of an ACH return. Learn more about Signal, ACH return risk and fraud management. - [Transactions API - Bank account history & credit card data](https://plaid.com/products/transactions/): Transactions is a simple API that helps companies get comprehensive transaction data from thousands of banks and financial institutions. Learn more. - [Transfer - A complete bank transfer API - ACH, RTP & FedNow](https://plaid.com/products/transfer/): Transfer helps users move money quickly and securely on the rail of their choice. Simplify bank transfers and improve performance with a single powerful API. ## Resources - [Industry Guides - Insights and Trends](https://plaid.com/resources/): Plaid's Industry Resources provide an in-depth look at the world of digital finance. Gain insights and learn about trends shaping the fintech industry and more. - [ACH processing 101: All you need to process ACH payments](https://plaid.com/resources/ach/ach-processing/): Explore the intricacies of ACH processing including how it works, strategies to streamline transactions, and the future outlook for ACH. - [ACH return codes: What they mean and how to minimize risk](https://plaid.com/resources/ach/ach-return/): ACH payments are not without risk. Understand what ACH return codes mean and how to protect your organization from fraud. - [ACH Risk: How to assess ACH payment risk and reduce returns](https://plaid.com/resources/ach/ach-risk/): ACH comes with risks, especially for fraud and returns. Learn how assessing ACH risk can help prevent returns and save your company money. - [ACH vs credit cards: The benefits of ACH for business](https://plaid.com/resources/ach/ach-vs-credit-cards/): Many businesses don’t realize that ACH can provide many benefits as an alternative to credit cards. Here’s what to consider when evaluating ACH vs credit cards. - [ACH vs wire transfer. 7 key differences](https://plaid.com/resources/ach/ach-vs-wire-transfers/): Learn how ACH and wire transfers differ in terms of speed, settlement, cost, size, and more. Plus, find out how they’re both changing in the future. - [How does an ACH deposit work? A behind the scenes look](https://plaid.com/resources/ach/how-does-an-ach-deposit-work/): Find out all you need to know about ACH deposits, including how they work, how long they take, and how they measure up against other types of payments. - [What is an ACH Transfer? All about ACH bank transfers](https://plaid.com/resources/ach/how-does-an-ach-transfer-work/): Gain a deeper understanding of the ins and outs of ACH transfers, including how long they should take and how much they should cost. - [ACH insights and trends - Resources](https://plaid.com/resources/ach/): The Automated Clearing House (ACH) is one of the fastest growing payment rails today. Learn the ins and outs of the popular payments network. - [ACH insights and trends - Resources](https://plaid.com/resources/ach/page/2/): The Automated Clearing House (ACH) is one of the fastest growing payment rails today. Learn the ins and outs of the popular payments network. - [ACH insights and trends - Resources](https://plaid.com/resources/ach/search/): The Automated Clearing House (ACH) is one of the fastest growing payment rails today. Learn the ins and outs of the popular payments network. - [How to accept ACH payments and increase customer adoption](https://plaid.com/resources/ach/ways-to-get-customers-to-pay-with-ach/): Accepting ACH payments can mean significant savings for your business. Here’s how to encourage your customers to make the switch. - [What is ACH credit, and how does it work?](https://plaid.com/resources/ach/what-is-ach-credit/): Learn exactly what ACH credits are, how they work, and how they differ from other types of payments, including ACH debits. - [What is an ACH debit? The complete rundown](https://plaid.com/resources/ach/what-is-ach-debit/): Discover the inner workings of ACH debits, including how they operate, the different types of ACH debits, and better ways to use them. - [What is ACH? The ultimate guide to ACH payments](https://plaid.com/resources/ach/what-is-ach/): Learn about what ACH is, how ACH payments work, and what the future has in store for the ACH network - [What is direct debit? Examining the ACH 'auto-pay’ tool](https://plaid.com/resources/ach/what-is-direct-debit/): Discover how the popular ACH direct debit tool works for regularly recurring payments, plus find out it’s benefits and drawbacks. - [What is Nacha and is your business compliant?](https://plaid.com/resources/ach/what-is-nacha/): Learn about the ACH network’s governing body, what their rules are, and what you can do to keep your business in compliance. - [Account numbers: What they mean and how to find them](https://plaid.com/resources/banking/account-numbers-explained/): Learn what the numbers associated with your bank account, credit card, and debit card mean and how to identify them with your financial institution. - [Authentication vs. authorization: Knowing the difference](https://plaid.com/resources/banking/authentication-vs-authorization/): Learn all about authentication versus authorization—two distinct yet related components of account access. - [4 best practices to become your customers' primary account](https://plaid.com/resources/banking/become-your-customers-primary-account/): Becoming your customer’s primary account often starts with earning their direct deposit. Here’s how to motivate customers to switch. - [3 ways banks can help customers improve financial health](https://plaid.com/resources/banking/financial-health-opportunity-banks/): How financial institutions can increase their bottom line by offering products and services that help customers improve their financial health. - [Banking insights and trends - Resources](https://plaid.com/resources/banking/): What consumers expect from their financial service providers is changing faster than ever. Stay ahead of the curve by giving your customers what they want. - [Banking insights and trends - Resources](https://plaid.com/resources/banking/search/): What consumers expect from their financial service providers is changing faster than ever. Stay ahead of the curve by giving your customers what they want. - [5 mobile banking benefits consumers care about most](https://plaid.com/resources/banking/what-consumers-want-from-mobile-banking/): Learn what modern consumers expect when it comes to mobile banking and the trends that will shape mobile banking’s future. - [What is anti-money laundering? A guide to getting started](https://plaid.com/resources/banking/what-is-anti-money-laundering/): Financial institutions need strong AML programs. Understand AML obligations, how money laundering is detected, and the key elements of an AML program. - [What KYC is and why it matters in financial services](https://plaid.com/resources/banking/what-is-kyc/): KYC procedures are required to help prevent financial crimes. Learn how KYC helps you verify a customer’s identity and identify their risk factors. - [What is open banking? A guide to the future of finance](https://plaid.com/resources/banking/what-is-open-banking/): Open banking is transforming finance. With secure, real-time data sharing, unlock faster payments, smarter lending, and better financial control. Read more. - [CIP requirements: How to improve fintech compliance](https://plaid.com/resources/compliance/cip-requirements/): CIP doesn't have to be a complicated process. Here's how technology is making it easier for fintech companies to document compliance. - [eKYC: Digital verification improves new customer onboarding](https://plaid.com/resources/compliance/eKYC/): Electronic Know Your customer (eKYC) is improving security, delivering a better user experience, and making it easier to meet AML requirements. - [Enhanced due diligence: What is EDD in banking?](https://plaid.com/resources/compliance/enhanced-due-diligence/): Enhanced due diligence is required for customers flagged as high-risk. Learn more about enhanced due diligence and how EDD is used in banking. - [Global KYC: Navigating challenges across borders](https://plaid.com/resources/compliance/global-kyc/): Learn how technology is helping fintech companies navigate the complexities of global KYC and the regulatory challenges that come with it. - [Compliance insights and trends - Resources](https://plaid.com/resources/compliance/): Learn the latest compliance insights and trends for the fintech and financial services industry - [KYC for crypto: Ensuring crypto security and compliance](https://plaid.com/resources/compliance/kyc-crypto/): Crypto can be an attractive target for fraud and bad actors. Learn about how KYC for crypto helps with fraud, risk, and compliance. - [Compliance insights and trends - Resources](https://plaid.com/resources/compliance/search/): Learn the latest compliance insights and trends for the fintech and financial services industry - [Section 1033: What companies need to know](https://plaid.com/resources/compliance/section-1033-authorized-third-parties/): The new section 1033 proposed rule has key requirements for companies subject to it. Learn if you qualify as an authorized third party under 1033 and how to prepare. - [Section 1033: What data providers need to know](https://plaid.com/resources/compliance/section-1033-data-providers/): Section 1033 brings new open banking regulations for banks and other covered data providers. Learn about Section 1033 compliance and how Plaid can help. - [What is 1033? Understanding the CFPB’s Section 1033 Rule](https://plaid.com/resources/compliance/section-1033/): Section 1033 is an important part of the Dodd-Frank Act. Learn more about what Section 1033 means for consumers and financial services providers. - [ACATS transfers: How APIs & open finance modernize investing](https://plaid.com/resources/fintech/acats-transfer/): Learn how ACATS transfers streamline investment moves between brokerages. Discover its benefits, challenges, and how Plaid is modernizing the process. - [How financial account aggregators fuel fintech solutions](https://plaid.com/resources/fintech/financial-account-aggregator/): Financial account aggregation gives users a secure, reliable way to see transaction data from multiple accounts in permissioned apps and services. Learn more. - [Financial inclusion: How fintech expands access to all](https://plaid.com/resources/fintech/financial-inclusion/): Learn more about what financial inclusion is and how fintech has expanded financial access to people who have historically lacked it. - [How the fintech ecosystem is transforming financial services](https://plaid.com/resources/fintech/fintech-ecosystem/): Discover what the fintech ecosystem is, who the key players are, and where it will go from here. - [How to enhance the fintech onboarding process](https://plaid.com/resources/fintech/fintech-onboarding-process/): Manual entry can add unnecessary friction to onboarding. Learn how to streamline fintech onboarding to increase customer satisfaction and conversions. - [10 fintech trends that define the industry's future](https://plaid.com/resources/fintech/fintech-trends/): Find out what fintech trends are shaping the landscape for both consumer and businesses—and gain insights that can help you react to the market’s needs. - [How does fintech make money? 9 business models explained](https://plaid.com/resources/fintech/how-does-fintech-and-plaid-make-money/): Learn about how fintech companies make money through nine different business models—including how Plaid makes money by helping other fintech companies build. - [How to verify income for tenants and reduce fraud risk](https://plaid.com/resources/fintech/how-to-verify-income/): Verifying income creates friction in the rental application process. Learn how Plaid helps property managers and owners reduce friction and limit fraud risk. - [Fintech insights and trends - Resources](https://plaid.com/resources/fintech/): Fintech is a rapidly growing and evolving industry. Learn more about the most important topics in fintech and gain insight to help your business grow. - [Fintech insights and trends - Resources](https://plaid.com/resources/fintech/page/2/): Fintech is a rapidly growing and evolving industry. Learn more about the most important topics in fintech and gain insight to help your business grow. - [Instant tenant background verification transforms screening](https://plaid.com/resources/fintech/rental-verification/): Learn how fintech innovations are accelerating the leasing process and expanding rental access with instant verification of identity and income. - [Fintech insights and trends - Resources](https://plaid.com/resources/fintech/search/): Fintech is a rapidly growing and evolving industry. Learn more about the most important topics in fintech and gain insight to help your business grow. - [What is a Neobank? How fintech is transforming banking](https://plaid.com/resources/fintech/what-is-a-neobank/): Neobanks offer banking services through apps or websites, rather than in brick-and-mortar companies. Here's how they're changing the financial world. - [What is embedded finance? 4 ways it will change fintech](https://plaid.com/resources/fintech/what-is-embedded-finance/): Embedded finance is giving every company the ability to offer financial products and services. Learn more about what it is and the massive opportunity it creates. - [What is fintech lending? Benefits, examples, and impact](https://plaid.com/resources/fintech/what-is-fintech-lending/): Fintech lending describes financial technology companies that provide lending services, often using alternative ways to verify credit worthiness. - [What is fintech? 6 main types of fintech and how they work](https://plaid.com/resources/fintech/what-is-fintech/): Fintech has turned into a large and quickly evolving industry, but what exactly is fintech? Learn about the six main types of fintech and how they work. - [Account takeover: what it is and how fintechs can stop it](https://plaid.com/resources/fraud/account-takeover-fraud/): Account takeover fraud is increasingly threatening consumer financial accounts. Learn more about what it is and what your company can do to prevent it. - [ACH fraud is on the rise. Here are 5 ways to reduce it.](https://plaid.com/resources/fraud/ach-fraud/): ACH fraud puts your organization and customers at risk. Learn how to prevent ACH fraud with the latest fintech solutions. - [5 types of fintech fraud and how to prevent them](https://plaid.com/resources/fraud/fintech-fraud/): Fintech fraud is a growing concern, but the risks can be mitigated. Learn how technology limits bad actors from taking over accounts and stealing funds. - [3 ways to prevent first party fraud in fintech](https://plaid.com/resources/fraud/first-party-fraud/): First party fraud is on the rise. Here are three ways fintech companies can limit first party fraud risk and protect their bottom line. - [Fraud insights and trends - Resources](https://plaid.com/resources/fraud/): Learn about the latest in fraud prevention for the fintech and financial services industry - [Presentation attack: What it is and how to detect it](https://plaid.com/resources/fraud/presentation-attack/): Bad actors can a victim’s biometric data to commit presentation attack fraud. Discover how identity verification effectively detects and combats this growing threat. - [How to protect my phone from being hacked](https://plaid.com/resources/fraud/protect-my-phone/): Learn how to defend your mobile device against malware, hackers, and other common attacks. - [Fraud insights and trends - Resources](https://plaid.com/resources/fraud/search/): Learn about the latest in fraud prevention for the fintech and financial services industry - [Synthetic identity fraud: How to detect and prevent it](https://plaid.com/resources/fraud/synthetic-identity-fraud/): Learn about the rising threat of synthetic identity fraud and effective strategies to protect your financial platform and customers from it. - [How device fingerprinting improves fraud prevention](https://plaid.com/resources/identity/device-fingerprinting/): Device fingerprinting boosts fraud prevention without hindering user experience. Learn about how to use device fingerprinting solutions to protect your business. - [Digital identity verification: What it is and how it works](https://plaid.com/resources/identity/digital-identity-verification/): Discover how digital identity verification works by analyzing eight vital data checks, including device, email, and behavioral analytics. - [Identity verification insights and trends - Resources](https://plaid.com/resources/identity/): Identity verification is critical to onboarding new customers and KYC due diligence. Learn more about the most important topics in the identity verification space. - [Identity verification insights and trends - Resources](https://plaid.com/resources/identity/search/): Identity verification is critical to onboarding new customers and KYC due diligence. Learn more about the most important topics in the identity verification space. - [Selfie identity verification: A key part of fraud prevention](https://plaid.com/resources/identity/selfie-id-verification/): A closer look at real-time selfie ID verification and why it should be a part of any secure onboarding process. - [6 types of alternative credit data for better loan decisions](https://plaid.com/resources/lending/alternative-credit-data/): More lenders are using alternative credit data to make credit decisions. Learn about what types of data they are using and the opportunities this creates. - [4 benefits of digital asset verification for mortgage](https://plaid.com/resources/lending/asset-verification-mortgage/): See why more lenders are using digital asset verification to get a comprehensive view of a borrower's assets in seconds. - [The value of cash flow data for better loan servicing](https://plaid.com/resources/lending/cash-flow-data-loan-servicing/): Manage loans smarter with cash flow data for loan servicing. Learn how real-time insights boost borrower outcomes & cut portfolio risk. - [How to integrate cash flow data into the lending process](https://plaid.com/resources/lending/cash-flow-lending/): Discover how cash flow lending can transform underwriting and improve risk assessment. Learn the benefits, key metrics, and steps to integrate it into your tech stack. - [Cash flow underwriting: 5 ways lenders can drive growth](https://plaid.com/resources/lending/cash-flow-underwriting/): Cash flow underwriting is helping lenders better evaluate loan applicants and supplement traditional credit scores. Learn how to use it for your lending business. - [3 ways lenders can evaluate credit invisibles](https://plaid.com/resources/lending/credit-invisibles/): Millions of Americans are ‘credit invisible’. Find out how lenders can evaluate credit invisible borrowers with three alternative data sources. - [What data can lenders use to assess creditworthiness?](https://plaid.com/resources/lending/creditworthiness/): The data lenders use to measure creditworthiness is changing. Here's why that is a good thing for lenders and consumers. - [How to drive digital lending adoption across your team](https://plaid.com/resources/lending/digital-lending/): Loan officers are hesitant to use new digital lending solutions, but these strategies can help drive digital lending adoption. - [Top fintech lenders: 5 companies changing how people borrow](https://plaid.com/resources/lending/fintech-lenders/): Top fintech lenders like Sofi, SoLo, and Prosper are disrupting the lending industry by tapping underserved markets and saving people money. - [How digital income verification improves personal lending](https://plaid.com/resources/lending/income-verification-lending/): Digital income verification in lending improves a key part of the loan application process and provides lenders with several benefits. Learn how it works. - [Lending insights and trends - Resources](https://plaid.com/resources/lending/): Fintech is rapidly changing the lending industry. Learn more about the most important topics in credit and lending, and how fintech is impacting them. - [The loan underwriting process: 4 ways fintech improves it](https://plaid.com/resources/lending/loan-underwriting-process/): Underwriting is the process lenders use to verify eligibility for a loan. Here is how fintech is improving the underwriting process for borrowers and lenders. - [Lending insights and trends - Resources](https://plaid.com/resources/lending/page/2/): Fintech is rapidly changing the lending industry. Learn more about the most important topics in credit and lending, and how fintech is impacting them. - [Lending insights and trends - Resources](https://plaid.com/resources/lending/search/): Fintech is rapidly changing the lending industry. Learn more about the most important topics in credit and lending, and how fintech is impacting them. - [What is second-look financing? How new data expands lending](https://plaid.com/resources/lending/second-look-financing/): Second look financing uses cash flow data to help lenders make smarter loan decisions. Learn how it works and how it's changing the lending industry. - [Plaid's library hub. Reports and tech talks.](https://plaid.com/resources/library/): See all of Plaid's reports and tech talks in one place. - [Plaid's library hub. Reports and tech talks.](https://plaid.com/resources/library/search/): See all of Plaid's reports and tech talks in one place. - [5 ways APIs help people improve their financial health](https://plaid.com/resources/open-finance/api-financial-health/): Learn about how API-powered fintech apps are improving the state of people’s financial health and changing the way they discuss their finances - [8 financial API use cases that transform financial services](https://plaid.com/resources/open-finance/api-use-cases-transforming-financial-services/): Discover how financial APIs are powering financial apps and services that change the way our financial world works. - [Embedded finance and APIs: a new financial frontier](https://plaid.com/resources/open-finance/embedded-finance-apis/): Embedded finance is one of the biggest opportunities in fintech. Learn how financial APIs enable any company to be a financial company. - [What is a financial API integration and how does it work?](https://plaid.com/resources/open-finance/financial-api-integration/): A closer look at how the technology that powers our connected financial ecosystem works and how it’s being used to create innovative financial services. - [Open finance insights and trends - Resources](https://plaid.com/resources/open-finance/): Open finance APIs power the fintech apps we use everyday. Learn more about what open finance is, how it works, and its future outlook. - [What is an open banking API? How apps and accounts connect](https://plaid.com/resources/open-finance/open-banking-api/): Learn what open banking APIs are, and how they enable fintech companies to build innovative apps and services to unlock financial freedom for all - [The role of financial APIs in open banking](https://plaid.com/resources/open-finance/role-financial-api-open-banking/): Learn how open banking APIs support mass adoption of digital financial products and services and financial freedom for consumers. - [Open finance insights and trends - Resources](https://plaid.com/resources/open-finance/search/): Open finance APIs power the fintech apps we use everyday. Learn more about what open finance is, how it works, and its future outlook. - [What is FDX and why does it matter](https://plaid.com/resources/open-finance/what-is-fdx/): Learn how FDX is aligning the industry around FDX API, a data standard for ensuring secure, seamless consumer data access - [Open finance: Unlocking a connected financial world](https://plaid.com/resources/open-finance/what-is-open-finance/): Learn about open finance and how it’s transforming financial services by helping consumers securely connect data to their financial apps and services. - [The future of account-to-account (a2a) payments in the US](https://plaid.com/resources/payments/a2a-payment/): Learn about what A2A payments are, how they work, and the future opportunities in the account-to-account payments space. - [How alternative payment methods can save merchants money](https://plaid.com/resources/payments/alternative-payment-methods/): What merchants need to know about the benefits and use cases for alternative payment methods like pay by bank, crypto, BNPL, and digital wallets. - [How to build a crypto onramp](https://plaid.com/resources/payments/crypto-onramp/): Technology is the key to building a safe and secure crypto onramp. Learn how to build a user-optimized onramp with this step-by-step guide. - [Digital payments glossary—fintech and finance terms defined](https://plaid.com/resources/payments/digital-payments-glossary/): The payments landscape continues to evolve, and so does the language around all things digital finance. Learn more in our digital payments glossary. - [The future of e-commerce payments](https://plaid.com/resources/payments/ecommerce-payments/): E-commerce payments are costing merchants too much, and it's time for change. Learn how alternative payment types like pay by bank are giving merchants better options. - [Embedded payments: A key way to grow your business](https://plaid.com/resources/payments/embedded-payments/): Embedded payments are fast, seamless, and nearly invisible. Learn more about how they work and how businesses use them to save money and build brand loyalty. - [Payments industry insights and trends](https://plaid.com/resources/payments/): Fintech is rapidly changing the payments landscape. Discover insights and trends about the most important topics in payments. - [Instant payments: Unlocking the power of faster transactions](https://plaid.com/resources/payments/instant-payments/): The adoption of instant payments is increasing. Explore what this modern payment rail is, including how it works and the challenges organizations may face. - [How new tech (and Plaid) are making micro deposits instant](https://plaid.com/resources/payments/micro-deposit-verification/): Micro deposit verification has been used for decades, but new technology is making the process instant. Learn how Plaid is building the future of micro deposits. - [Payments industry insights and trends](https://plaid.com/resources/payments/page/2/): Fintech is rapidly changing the payments landscape. Discover insights and trends about the most important topics in payments. - [Is pay by bank the future of payments?](https://plaid.com/resources/payments/pay-by-bank/): Pay by bank is poised to change the way we make payments for everyday goods and services. Learn more about pay by bank and how this new payment rail works. - [What are payment rails and how are they evolving?](https://plaid.com/resources/payments/payment-rails/): Payment rails are the infrastructure behind money movement. Newer rails are changing how businesses and people exchange money. - [The 3 controls you need for payment risk management](https://plaid.com/resources/payments/payment-risk-management/): Discover effective payment risk management strategies to protect against the growing threat of payment fraud in the evolving payments landscape. - [Real-Time Payments vs ACH: Which should your business use?](https://plaid.com/resources/payments/real-time-payments-vs-ach/): Is Real-Time Payments (RTP) better than ACH? Learn the differences between the two payment rails and how they're changing the payment landscape. - [Real Time Payments: Preparing your business for RTP](https://plaid.com/resources/payments/real-time-payments/): Real-time payments (RTP) usage is on the rise. Learn how to ensure your business is ready for the changing payment landscape. - [Payments industry insights and trends](https://plaid.com/resources/payments/search/): Fintech is rapidly changing the payments landscape. Discover insights and trends about the most important topics in payments. - [What is FedNow? Understanding the new instant payment rail](https://plaid.com/resources/payments/what-is-fednow/): FedNow is the Federal Reserve’s 24/7, instant payment rail. Learn how it works and how it differs from other payment options. - [Industry Guides - Insights and Trends](https://plaid.com/resources/search/): Plaid's Industry Resources provide an in-depth look at the world of digital finance. Gain insights and learn about trends shaping the fintech industry and more. - [Plaid tech talks. See all the on demand-webinars from Plaid](https://plaid.com/resources/tech-talks/): See all of Plaid's tech talks and on-demand webinars here. Learn from experts about fintech, payments, lending, and more. - [Plaid tech talks. See all the on demand-webinars from Plaid](https://plaid.com/resources/tech-talks/search/): See all of Plaid's tech talks and on-demand webinars here. Learn from experts about fintech, payments, lending, and more. ## Solutions - [Credit underwriting & risk decisioning software solutions](https://plaid.com/solutions/credit/): Build credit decisioning software that transforms lending. Plaid’s APIs streamline onboarding, credit risk analysis, and underwriting. Learn more. - [Fraud detection & risk management solutions for KYC & AML](https://plaid.com/solutions/fraud/): Plaid helps businesses of all sizes fight fraud and risk with smarter data. Learn more about our fraud prevention & risk management solution. - [Digital onboarding API solutions for bank account data](https://plaid.com/solutions/onboarding/): Streamline digital onboarding with Plaid. Improve conversion, reduce friction, and securely connect to bank account data in seconds. Learn more. - [Open finance solutions - Financial access data connectivity](https://plaid.com/solutions/open-finance/): Take the next step in your open finance journey. Enable secure data connectivity with industry-aligned solutions designed for compliance. Learn more. - [Payment solutions - secure payment processing for businesses](https://plaid.com/solutions/payments/): Plaid's payment solutions help businesses onboard customers and move money safely and securely. Learn how Plaid helps make payments safer, faster, and easier. - [Personal finance management APIs](https://plaid.com/solutions/personal-financial-management/): Build PFM software that meets the needs of consumers. Plaid's APIs can help with onboarding, risk management, and account ownership. Learn more. ## Use Cases - [Bank Account Onboarding - Plaid](https://plaid.com/use-cases/banking-and-brokerage/account-onboarding/): The technology layer for financial services" - [Business finances - financial data solutions](https://plaid.com/use-cases/business-finances/): From bookkeeping to payroll, business finance processes are complex experiences for employees and customers alike. Plaid makes them easy for everyone. - [Crypto - Onboarding & funding solutions for crypto accounts](https://plaid.com/use-cases/crypto/): Plaid gives developers everything they need to build secure crypto onramp all with a single integration. Onboard users safely and securely with Plaid. - [Auto Lending](https://plaid.com/use-cases/lending/auto/): The technology layer for financial services" - [Lending Guide - Plaid](https://plaid.com/use-cases/lending/guide/): Streamline and automate your lending process - [Lending & Mortgage API Solutions](https://plaid.com/use-cases/lending/): Plaid helps lenders make informed loan decisions with a summary of a borrower's data to verify assets, income, and identity. - [Personal Finances: Get Started - Plaid](https://plaid.com/use-cases/personal-finances/get-started/): Learn how Plaid's suite of products can take your app to the next level - [Personal finance management API - PFM tools & use cases](https://plaid.com/use-cases/personal-finances/): Bring personalized insights to your PFM tools. Help consumers transform their financial health with Plaid's tools & APIs for personal finances. Learn more. - [Wealth management API - tools & solutions for investments](https://plaid.com/use-cases/wealth/): Grow wealth without growing your software stack. Fund accounts, manage risk, and deliver personalized insights to your investments customers. Learn more. ## Whats New - [Building network-powered financial products - Fall 2024](https://plaid.com/whats-new/fall-2024/): From onboarding to underwriting, the Plaid network helps customers grow and drive innovation. See what's new in our Fall 2024 Product Update. - [Plaid payments - What's new in money movement - Spring 2024](https://plaid.com/whats-new/spring-2024/): Missed payments mean missed revenue. Merchants can onboard customers, lower return risk, and move money instantly with Plaid. See what's new in Spring 2024.