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 — 60 machine-readable artifacts across 31 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 74.9/100 (exemplar), with a separate agent-readiness read of 90/100 (agent native). 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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
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 31
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 Auth API
Plaid's Auth is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect ...
Plaid Balance API
Plaid's Balance is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne...
Plaid Identity API
Plaid's Identity is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conn...
Plaid Identity Verification API
Plaid's Identity Verification is part of the Plaid open-finance platform, exposing 5 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers ...
Plaid Monitor Watchlist Screening API
Plaid's Monitor Watchlist Screening is part of the Plaid open-finance platform, exposing 20 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets deve...
Plaid Beacon API
Plaid's Beacon is part of the Plaid open-finance platform, exposing 12 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne...
Plaid Signal API
Plaid's Signal is part of the Plaid open-finance platform, exposing 8 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connec...
Plaid Transfer API
Plaid's Transfer is part of the Plaid open-finance platform, exposing 49 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely con...
Plaid Bank Transfer API
Plaid's Bank Transfer is part of the Plaid open-finance platform, exposing 13 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securel...
Plaid Transactions API
Plaid's Transactions is part of the Plaid open-finance platform, exposing 17 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely...
Plaid Categories API
Plaid's Categories is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co...
Plaid Investments API
Plaid's Investments is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely c...
Plaid Liabilities API
Plaid's Liabilities is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely c...
Plaid Assets API
Plaid's Assets is part of the Plaid open-finance platform, exposing 10 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne...
Plaid Income API
Plaid's Income is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connec...
Plaid Employers API
Plaid's Employers is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely con...
Plaid Credit API
Plaid's Credit is part of the Plaid open-finance platform, exposing 23 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne...
Plaid Consumer Report CRA API
Plaid's Consumer Report CRA is part of the Plaid open-finance platform, exposing 9 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers se...
Plaid Statements API
Plaid's Statements is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co...
Plaid Payment Initiation API
Plaid's Payment Initiation is part of the Plaid open-finance platform, exposing 12 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers se...
Plaid Payment Profile API
Plaid's Payment Profile is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers secure...
Plaid Virtual Accounts Wallet API
Plaid's Virtual Accounts Wallet is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developer...
Plaid Institutions API
Plaid's Institutions is part of the Plaid open-finance platform, exposing 3 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely ...
Plaid Item API
Plaid's Item is part of the Plaid open-finance platform, exposing 14 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect...
Plaid Link API
Plaid's Link is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect ...
Plaid Hosted Link Delivery API
Plaid's Hosted Link Delivery is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers s...
Plaid Processor API
Plaid's Processor is part of the Plaid open-finance platform, exposing 21 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely co...
Plaid Partner API
Plaid's Partner is part of the Plaid open-finance platform, exposing 5 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conne...
Plaid Sandbox API
Plaid's Sandbox is part of the Plaid open-finance platform, exposing 23 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely conn...
Plaid Deposit Switch API
Plaid's Deposit Switch is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securel...
Plaid Core Exchange FDX API
Plaid's Core Exchange FDX is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers secu...
Scroll within the panel for all 31 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
plaid-mcp.yml
MCP SERVERGraphQL 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 six things the Kin Score reads for commercial clarity.
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 6
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 8
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 8 ·
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