Fast processing speeds

Borrowers can link their bank accounts in seconds which maximizes conversions

Integrated technology

Seamlessly integrate Plaid into your own experience to reduce friction for borrower

Commitment to security

256-bit AES encryption with regular network penetration tests and security reviews

Easier auditing

Generate and download PDF reports to simplify the auditing process

How it works

Start verifying borrower assets with Plaid in just a few steps

  1. Borrowers connect their bank with Plaid to share their financial data

    After authentication, Plaid grants an access token that can be used to securely generate Asset Reports

  2. Once connected, Asset Reports can be created and retrieved

    Asset Reports are returned in PDF or JSON formats, determined by the endpoint you call

    JSON

    PDF

  3. Optionally, share reports with any participating third party

    Plaid is a certified Day 1 Certainty™ asset verification report supplier for Fannie Mae Desktop Underwriter®

    Learn more about Day 1 Certainty™

Example Asset Report

PDF

JSON

{
  {
    "report": {
      "asset_report_id": "c5b638f9-02b8-45c6-9093-552195149b0c",
      "client_report_id": "123456",
      "date_generated": "2018-04-12T03:32:11Z",
      "days_requested": 730,
      "items": [
        {
          "accounts": [
            {
              "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
              "balances": {
                "available": 100,
                "current": 110
              },
              "days_available": 730,
              "historical_balances": [
                {
                  "current": 110,
                  "date": "2018-04-12"
                },
                {
                  "current": 110,
                  "date": "2018-04-11"
                },
                {
                  "current": 110,
                  "date": "2018-04-10"
                },
                ...
              ],
              "mask": "0000",
              "name": "Plaid Checking",
              "official_name": "Plaid Gold Standard 0% Interest Checking",
              "owners": [
                {
                  "addresses": [
                    {
                      "data": {
                        "city": "Malakoff",
                        "state": "NY",
                        "street": "2992 Cameron Road",
                        "zip": "14236"
                      },
                      "primary": true
                    },
                    {
                      "data": {
                        "city": "San Matias",
                        "state": "CA",
                        "street": "2493 Leisure Lane",
                        "zip": "93405-2255"
                      },
                      "primary": false
                    }
                  ],
                  "emails": [
                    {
                      "data": "accountholder0@example.com",
                      "primary": true,
                      "type": "primary"
                    },
                    {
                      "data": "accountholder1@example.com",
                      "primary": false,
                      "type": "secondary"
                    },
                    {
                      "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                      "primary": false,
                      "type": "other"
                    }
                  ],
                  "names": [
                    "Alberta Bobbeth Charleson"
                  ],
                  "phone_numbers": [
                    {
                      "data": "1112223333",
                      "primary": false,
                      "type": "home"
                    },
                    {
                      "data": "1112224444",
                      "primary": false,
                      "type": "work"
                    },
                    {
                      "data": "1112225555",
                      "primary": false,
                      "type": "mobile1"
                    }
                  ]
                }
              ],
              "subtype": "checking",
              "transactions": [
                ...
                {
                  "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                  "amount": -500,
                  "date": "2018-03-25",
                  "original_description": "United Airlines **** REFUND ****",
                  "pending": false,
                  "transaction_id": "wPkQknvpz9HV8bPK465rC6GnyrnlrXCMr9vgm"
                },
                {
                  "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                  "amount": 5.4,
                  "date": "2018-03-27",
                  "original_description": "Uber 063015 SF**POOL**",
                  "pending": false,
                  "transaction_id": "GM4K4LJqGBu5g8yqjkQJuVnry6rz6zh8Qwkv9"
                },
                {
                  "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                  "amount": 6.33,
                  "date": "2018-04-09",
                  "original_description": "Uber 072515 SF**POOL**",
                  "pending": false,
                  "transaction_id": "DekykZJWrjf5g7kjRaLvceLZb4avg5CVBDGz5x"
                }
              ],
              "type": "depository"
            },
            {
              "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
              "balances": {
                "available": 200,
                "current": 210
              },
              "days_available": 730,
              "historical_balances": [
                {
                  "current": 210,
                  "date": "2018-04-12"
                },
                {
                  "current": 210,
                  "date": "2018-04-11"
                },
                {
                  "current": 210,
                  "date": "2018-04-10"
                },
                ...
              ],
              "mask": "1111",
              "name": "Plaid Saving",
              "official_name": "Plaid Silver Standard 0.1% Interest Saving",
              "owners": [
                {
                  "addresses": [
                    {
                      "data": {
                        "city": "Malakoff",
                        "state": "NY",
                        "street": "2992 Cameron Road",
                        "zip": "14236"
                      },
                      "primary": true
                    },
                    {
                      "data": {
                        "city": "San Matias",
                        "state": "CA",
                        "street": "2493 Leisure Lane",
                        "zip": "93405-2255"
                      },
                      "primary": false
                    }
                  ],
                  "emails": [
                    {
                      "data": "accountholder0@example.com",
                      "primary": true,
                      "type": "primary"
                    },
                    {
                      "data": "accountholder1@example.com",
                      "primary": false,
                      "type": "secondary"
                    },
                    {
                      "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                      "primary": false,
                      "type": "other"
                    }
                  ],
                  "names": [
                    "Alberta Bobbeth Charleson"
                  ],
                  "phone_numbers": [
                    {
                      "data": "1112223333",
                      "primary": false,
                      "type": "home"
                    },
                    {
                      "data": "1112224444",
                      "primary": false,
                      "type": "work"
                    },
                    {
                      "data": "1112225555",
                      "primary": false,
                      "type": "mobile1"
                    }
                  ]
                }
              ],
              "subtype": "savings",
              "transactions": [
                ...
                {
                  "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                  "amount": 25,
                  "date": "2018-02-25",
                  "original_description": "CREDIT CARD 3333 PAYMENT *//",
                  "pending": false,
                  "transaction_id": "LkexeEJ3Ryf5Vw3evRMMIXlLjkRkawIdzm6Ak"
                },
                {
                  "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                  "amount": -4.22,
                  "date": "2018-03-22",
                  "original_description": "INTRST PYMNT",
                  "pending": false,
                  "transaction_id": "y7EJEmwgazsjJDVdMZ3QSQBKpaKnQzSjElP71M"
                },
                {
                  "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                  "amount": 25,
                  "date": "2018-03-27",
                  "original_description": "CREDIT CARD 3333 PAYMENT *//",
                  "pending": false,
                  "transaction_id": "dLz7z41KlaSWLbmJqpxXiaqPgJPbn5IgMwymJ"
                }
              ],
              "type": "depository"
            },
            {
              "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
              "balances": {
                "available": null,
                "current": 5000
              },
              "days_available": 730,
              "historical_balances": [
                {
                  "current": 5000,
                  "date": "2018-04-12"
                },
                {
                  "current": 1000,
                  "date": "2018-04-11"
                },
                {
                  "current": 1000,
                  "date": "2018-04-10"
                },
                ...
              ],
              "mask": "2222",
              "name": "Plaid CD",
              "official_name": "Plaid Bronze Standard 0.2% Interest CD",
              "owners": [
                {
                  "addresses": [
                    {
                      "data": {
                        "city": "Malakoff",
                        "state": "NY",
                        "street": "2992 Cameron Road",
                        "zip": "14236"
                      },
                      "primary": true
                    },
                    {
                      "data": {
                        "city": "San Matias",
                        "state": "CA",
                        "street": "2493 Leisure Lane",
                        "zip": "93405-2255"
                      },
                      "primary": false
                    }
                  ],
                  "emails": [
                    {
                      "data": "accountholder0@example.com",
                      "primary": true,
                      "type": "primary"
                    },
                    {
                      "data": "accountholder1@example.com",
                      "primary": false,
                      "type": "secondary"
                    },
                    {
                      "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                      "primary": false,
                      "type": "other"
                    }
                  ],
                  "names": [
                    "Alberta Bobbeth Charleson"
                  ],
                  "phone_numbers": [
                    {
                      "data": "1112223333",
                      "primary": false,
                      "type": "home"
                    },
                    {
                      "data": "1112224444",
                      "primary": false,
                      "type": "work"
                    },
                    {
                      "data": "1112225555",
                      "primary": false,
                      "type": "mobile1"
                    }
                  ]
                }
              ],
              "subtype": "cd",
              "transactions": [
                ...
                {
                  "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                  "amount": 1000,
                  "date": "2018-01-25",
                  "original_description": "CD DEPOSIT .INITIAL.",
                  "pending": false,
                  "transaction_id": "M8QdQWJx1GS51ZymxjNNILQ7GwjwG1I3qr3RwX"
                },
                {
                  "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                  "amount": 1000,
                  "date": "2018-02-24",
                  "original_description": "CD DEPOSIT .INITIAL.",
                  "pending": false,
                  "transaction_id": "q3Z4ZgvempFnljLVzqxxhPQ3we7eW9sdJy5jP"
                },
                {
                  "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                  "amount": 1000,
                  "date": "2018-03-26",
                  "original_description": "CD DEPOSIT .INITIAL.",
                  "pending": false,
                  "transaction_id": "aZqNqxQAEyHvboB8jazrsbPWNwW6WxU8zRj5kw"
                }
              ],
              "type": "depository"
            }
          ],
          "date_last_updated": "2018-04-12T03:32:10Z",
          "institution_id": "ins_109511",
          "institution_name": "Tartan Bank",
          "item_id": "zeWoWyv84xfkGg1w4ox5iQy5k6j75xu8QXMEm"
        }
      ],
      "user": {
        "client_user_id": "123456789",
        "email": "accountholder0@example.com",
        "first_name": "Alberta",
        "last_name": "Charleson",
        "middle_name": "Bobbeth",
        "phone_number": "111-222-3333",
        "ssn": "123-45-6789"
      }
    },
    "request_id": "pdwYD",
    "warnings": []
  }



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