Fall Release: The Foundation for
Intelligent Finance
Fall Release 2026
Innovation needs infrastructure
Finance runs on decisions. And better decisions depend on what’s underneath them.This fall, we're building more intelligence into the Plaid Network: better models, deeper context, and easier ways to put the industry’s largest financial network to work.The groundwork is laid. What you build on it? Well that’s up to you.
Built on the Plaid Network
Smarter models for sharper decisions
Plaid’s foundation model understands financial activity as a sequence, not a snapshot—learning from patterns, timing, and order across the network. That intelligence now powers a new generation of LendScore, Signal, and Cash Advance Index, with early results showing stronger performance built into every decision.
20%
approval lift for subprime borrowers with LendScore Arc
26%
more risky ACH dollars caught over previous payment risk model
10%
fewer dollars lost with the latest Cash Advance Index
INSTANT LINK
Cash flow insights at application, not after
Instant Link brings cash flow data straight into the application, without asking eligible users to re-connect their bank accounts. More insight. Less waiting.
Explore Instant LinkINSTANT LINK
Cash flow insights at application, not after
Instant Link brings cash flow data straight into the application, without asking eligible users to re-connect their bank accounts. More insight. Less waiting.
Explore Instant LinkLENDSCORE
There’s a LendScore for that
LendScore is now a family of specialized scores for different types of lending, all built on consumer-permissioned cash flow and network insights.
Explore LendScoreLendScore 2
Ls2, our next-generation core model, delivers 42% greater predictive power than traditional cashflow data alone.
LendScore Arc
Arc, our first transformer-based credit risk model, learns from transaction sequences. In early testing, Arc increased approvals by 20% for subprime borrowers.
Scores for Auto, Home Lending, and Short Term
New Ls2 Auto, Home Lending, and Short Term models are tuned to the risk dynamics of each type of lending.
MONEY MOVEMENT
Boost ACH approvals without more risk
Every ACH payment is a tradeoff between approvals and settlement risk. Signal gives you the insight to make the call. Guaranteed Payments can make it for you—and take on the risk.
Signal
Sharper risk signals for every payment
Signal 4 now reads payment history in broader context, using Plaid's Sequential Foundation Model, with deeper cash flow, income, and spending pattern insights. In early testing, it caught 126% more risky dollars than the previous model.
Explore SignalSignal
Sharper risk signals for every payment
Signal 4 now reads payment history in broader context, using Plaid's Sequential Foundation Model, with deeper cash flow, income, and spending pattern insights. In early testing, it caught 126% more risky dollars than the previous model.
Explore SignalGuaranteed Payments
More configurability over what gets guaranteed
Guaranteed Payments now factors in your own trust indicators, like account tenure and wallet balance, and refreshes fraud signals with every transaction.
New controls, like delayed release and partial guarantees, help businesses approve with more confidence.
Explore Guaranteed PaymentsGuaranteed Payments
More configurability over what gets guaranteed
Guaranteed Payments now factors in your own trust indicators, like account tenure and wallet balance, and refreshes fraud signals with every transaction.
New controls, like delayed release and partial guarantees, help businesses approve with more confidence.
Explore Guaranteed PaymentsFRAUD FOUNDATION MODEL
From snapshots to storylines
Our new Fraud Foundation Model learns richer patterns across the network—transactions, devices, identities, and more—powering Plaids fraud solutions.
In internal evaluations, it shows up to 40% relative improvement over previous models.
Explore ProtectFRAUD FOUNDATION MODEL
From snapshots to storylines
Our new Fraud Foundation Model learns richer patterns across the network—transactions, devices, identities, and more—powering Plaids fraud solutions.
In internal evaluations, it shows up to 40% relative improvement over previous models.
Explore ProtectCash Advance
Assess repayment risk with more context
Plaid brings cash flow and financial behavior together, so you get a clearer read on repayment risk.
CASH ADVANCE INDEX
Better signals, clearer views
Cash Advance Index 2 now runs on Plaid's Sequential Foundation Model, helping you see risk more clearly with a new dashboard and income insights for every repayment decision.
Explore Cash Advance IndexCASH ADVANCE INDEX
Better signals, clearer views
Cash Advance Index 2 now runs on Plaid's Sequential Foundation Model, helping you see risk more clearly with a new dashboard and income insights for every repayment decision.
Explore Cash Advance IndexFinancial Insights
Power personalized experiences with richer data
What you build for your customers is only as good as the data behind it. Plaid now delivers even richer data and broader coverage across where people borrow, save, and invest.
Transactions, Liabilities & Investments
Accuracy and coverage keep climbing
Explore financial data coverageTransactions
Transactions has improved merchant name accuracy by over 19%.
Liabilities
Liabilities adds coverage for more auto loans, HELOCs, personal loans, and lines of credit.
Investments
95% of Investments holdings now have at least two identifiers for easier reconciliation.
ONBOARDING
Build onboarding around what you need
Layer lets you get what you need exactly when you need it. Link makes getting started faster than ever.
Layer
More ways to build your flow
Customize onboarding with the new Layer. Collect identity and bank data together or separately. Let returning users share saved identity documents in one tap. Easier, faster, and flexible to what you need.
Explore LayerLayer
More ways to build your flow
Customize onboarding with the new Layer. Collect identity and bank data together or separately. Let returning users share saved identity documents in one tap. Easier, faster, and flexible to what you need.
Explore LayerLink
Faster connections, ready to customize
Link has been rebuilt from the ground up: modernized UI, smoother connections, and a shared component library for quicker shipping.
Explore LinkLink
Faster connections, ready to customize
Link has been rebuilt from the ground up: modernized UI, smoother connections, and a shared component library for quicker shipping.
Explore Link