Product Features
Gather an in-depth snapshot of a borrowers’ finances

Retrieve a borrower's bank account information straight from their institution, including identity, historical and current balance, and historical transactions data

Convert more borrowers

Improve loan application completion outcomes by leveraging Plaid’s best-in-class conversion rates and high quality data coverage across 12,000 institutions, including neobanks

Digitize your application process

Reduce reliance on manual verification processes with a real-time verification tool, limiting the need for cumbersome document uploads and reviews

Boost your underwriting signal

Boost your underwriting signal to offer more competitive loans and reduce fraud

  • Personalized outcomes: Incorporate up to two years of historical bank account data in your decisioning model
  • Access up-to-date information: Collect data that is current at time of connection
  • Deepen understanding: Benefit from Plaid’s machine learning expertise and rich datasets

Transparent data practices

Plaid Assets keeps consumers in control of their financial information by allowing the borrower to:

  • Permission their bank account data for credit purposes
  • Review that information before sharing
  • Revoke access when information is no longer needed
"Integrating Plaid into our application made it easy for applicants to securely share their data - providing affordable credit even to those with little or no past credit. Hundreds of thousands of Petal members are building a brighter financial future."
Roy Simkhay, Vice President of Product, Petal

Perform ongoing monitoring to ensure borrower success

Update information as often as needed with no additional borrower friction with Assets Refresh.

Share decisioning information with relevant partners

Share an Asset Report with government-sponsored enterprises and other loan purchasers. Plaid is a Day 1 Certainty® asset verification report supplier for Fannie Mae’s Desktop Underwriter® and a third-party service provider for Freddie Mac’s Loan Product Advisor® Asset and Income Modeler (AIM).

Questions about how Plaid can fit into your business?

Our Sales team can help you find the right solution. Fill out the form and we’ll get in touch shortly.

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This form goes to our sales team. If you have questions about connecting your financial accounts to a Plaid-powered app, visit our consumer help center for more information