Lenders must gather holistic pictures of their applicants, but the process of collecting income information, account balances, and asset history creates considerable work for both the borrower and lender. Additionally, getting borrowers to connect their bank accounts to receive capital and repay loans is a cumbersome process.

Plaid provides borrowers with an easy, streamlined loan experience; and lenders with access to bank data to make informed loan decisions.

some kind of certificate
Trusted by Fannie Mae

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

Seamless experience

Plaid’s login module for end users is easy to customize and drop into an online loan application

The Assets product provides OppLoans with reliable, high-quality bank data, which makes integrating it into our underwriting process very smooth.
Dave Kamedulski, VP of Product at OppLoans

Verify borrowers’ assets digitally

Assets provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information

Verify borrowers' identities

Identity confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud

Check balances in real-time

Balance instantly checks whether users have the funds to make a payment or transfer

Instantly authenticate accounts

Auth pulls users' account and routing information info icon, which can be used to enable seamless payments and transfers in the US and Canada, and debit withdrawals in Europe

Check financial obligations

Liabilities (US only) provides a real-time feed of information about a user’s financial obligations including student loans and credit cards


Switch direct deposits

Deposit Switch makes it easier and faster for users to change the destination of their direct deposits.

Verify income and employment

Income allows users to quickly verify their income and employment in their preferred manner.

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.

    By submitting this form, I confirm that I have read and understood Plaid's Privacy Statement.

    For existing Plaid customers, please open a case.

    Not a business? Visit our consumer help center. Want to file a developer support ticket, please sign in.

    This form goes to our sales team. If you’re having trouble connecting your financial accounts to an app, we recommend that you start by contacting the app.