Assets
Verify borrower assets straight from the source
How it works
Start verifying borrower assets with Plaid in just a few steps
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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
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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
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PDF
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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
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": [] }
Learn more about using Assets