Plaid
Plaid is a US financial-technology company and data-network aggregator that provides an API platform for businesses to securely connect with their users' bank and financial accounts. Plaid acts as the interface between 12,000+ financial institutions and third-party applications, powering bank-account verification (Auth, Balance, Identity), transactions and enrichment, income and asset verification, lending data (Assets, Liabilities, Investments, Consumer Report/CRA), risk and fraud tooling (Signal, Beacon, Monitor watchlist screening, Identity Verification), and money movement (Transfer, Payment Initiation, Virtual Accounts). Developers integrate through Plaid Link, a self-serve dashboard, client credentials, per-Item access tokens, and a publicly published OpenAPI definition. In the US voluntary open-finance landscape Plaid is an aggregator, and it also operates Core Exchange, its FDX-aligned data-access API for data providers, positioning it for CFPB 1033 open-banking rules.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Plaid the way a machine reads it — 92 machine-readable artifacts across 71 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Plaid scores 71.6/100 (exemplar), with a separate agent-readiness read of 37/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Plaid
Each block below is one kind of artifact we hold for Plaid. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 1
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Plaid Plaid API
The Plaid API from Plaid — 256 operation(s) for plaid.
Postman Collections 31
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Plaid accounts/
POSTMANPlaid asset report/
POSTMANPlaid auth/
POSTMANPlaid bank transfer/
POSTMANPlaid beacon/
POSTMANPlaid categories/
POSTMANPlaid cra/
POSTMANPlaid credit/
POSTMANPlaid deposit switch/
POSTMANPlaid employers/
POSTMANPlaid fdx/
POSTMANPlaid identity/
POSTMANPlaid identity verification/
POSTMANPlaid income/
POSTMANPlaid institutions/
POSTMANPlaid investments/
POSTMANPlaid item/
POSTMANPlaid liabilities/
POSTMANPlaid link/
POSTMANPlaid link delivery/
POSTMANPlaid partner/
POSTMANPlaid payment initiation/
POSTMANPlaid payment profile/
POSTMANPlaid processor/
POSTMANPlaid sandbox/
POSTMANPlaid signal/
POSTMANPlaid statements/
POSTMANPlaid transactions/
POSTMANPlaid transfer/
POSTMANPlaid wallet/
POSTMANPlaid watchlist screening/
POSTMANScroll within the panel for all 31 ·
Open Collections 32
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONPlaid accounts/
OPEN COLLECTIONPlaid asset report/
OPEN COLLECTIONPlaid auth/
OPEN COLLECTIONPlaid bank transfer/
OPEN COLLECTIONPlaid beacon/
OPEN COLLECTIONPlaid categories/
OPEN COLLECTIONPlaid cra/
OPEN COLLECTIONPlaid credit/
OPEN COLLECTIONPlaid deposit switch/
OPEN COLLECTIONPlaid employers/
OPEN COLLECTIONPlaid fdx/
OPEN COLLECTIONPlaid identity/
OPEN COLLECTIONPlaid identity verification/
OPEN COLLECTIONPlaid income/
OPEN COLLECTIONPlaid institutions/
OPEN COLLECTIONPlaid investments/
OPEN COLLECTIONPlaid item/
OPEN COLLECTIONPlaid liabilities/
OPEN COLLECTIONPlaid link/
OPEN COLLECTIONPlaid link delivery/
OPEN COLLECTIONPlaid partner/
OPEN COLLECTIONPlaid payment initiation/
OPEN COLLECTIONPlaid payment profile/
OPEN COLLECTIONPlaid processor/
OPEN COLLECTIONPlaid sandbox/
OPEN COLLECTIONPlaid signal/
OPEN COLLECTIONPlaid statements/
OPEN COLLECTIONPlaid transactions/
OPEN COLLECTIONPlaid transfer/
OPEN COLLECTIONPlaid wallet/
OPEN COLLECTIONPlaid watchlist screening/
OPEN COLLECTIONScroll within the panel for all 32 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Plaid GraphQL
Plaid does not offer a native public GraphQL API. All Plaid APIs are REST-based, accessed via POST requests to `https://production.plaid.com` with JSON request/response bodies a...
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Plaid Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Plaid Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Plaid Finops
FINOPSFeatures 17
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 17 ·
Event Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Plaid Webhooks
AsyncAPI 2.6 specification for the Plaid webhook surface. Plaid delivers asynchronous notifications via HTTP POST to the URL registered on an Item (`webhook` parameter in `/link...
ASYNCAPISpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Plaid API Rules
SPECTRALPlaid API Rules
SPECTRALSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Plaid — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 7
MCP servers, agent skills, and machine-readable catalogs
Scroll within the panel for all 7 ·
Design & Contract 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 9
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 9 ·
Access & Security 4
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/plaid · machine-readable index on apis.io
This is an independent, third-party profile of Plaid, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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