{
 "categories": [
  "fintech",
  "payments"
 ],
 "deployment": "saas",
 "evidence": [
  {
   "date": "2026-09-07",
   "fact": "homepage",
   "note": "Plaid presents a commercial financial-data network for bank payments, underwriting, fraud, onboarding, and personal financial management, and invites developers to get API keys.",
   "source": "https://plaid.com/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "platforms",
   "note": "Plaid documents official Link client SDKs for web (JavaScript and React), iOS, Android, React Native, Flutter, and Hosted Link, in addition to server client libraries.",
   "source": "https://plaid.com/docs/api/libraries/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "license",
   "note": "Plaid documents Trial, Pay-as-you-go, Growth, and Custom plans. Sandbox usage is free. Production traffic is billed under one-time, subscription, or per-request models after a Production or Trial request. A public price list is not published in the docs.",
   "source": "https://plaid.com/docs/account/billing/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.exists",
   "note": "Plaid documents a public JSON-over-HTTP API. Hosts are https://sandbox.plaid.com and https://production.plaid.com. Access starts with a Dashboard client_id and secret.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.kinds[0]",
   "note": "Requests are HTTPS POST with Content-Type application/json. Responses are JSON. Errors use error_code and error_type in the body. TLS 1.2 is required.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.auth[0]",
   "note": "Almost all endpoints require client_id and secret, sent in the JSON body or the PLAID-CLIENT-ID and PLAID-SECRET headers.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.coverage",
   "note": "The Auth API reference documents /auth/get for account and routing numbers, related processor-token endpoints, and Auth webhooks. Other products are separate, enabled per Item, and are not exposed by the Dashboard MCP.",
   "source": "https://plaid.com/docs/api/products/auth/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.docs",
   "note": "The API reference is the public Products API contract: hosts, JSON POST protocol, client_id/secret auth, OpenAPI repo, and client-library index.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.coverage",
   "note": "Transactions documents /transactions/sync for up to 24 months of history, webhook-driven updates, optional /transactions/refresh, and a subscription billing model.",
   "source": "https://plaid.com/docs/transactions/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.api.coverage",
   "note": "Identity documents /identity/get for name and contact data on file at the institution and /identity/match for scored ownership checks.",
   "source": "https://plaid.com/docs/identity/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.sdk.exists",
   "note": "Plaid states that it offers official API libraries generated from the OpenAPI file and updated for breaking and non-breaking API changes.",
   "source": "https://plaid.com/docs/api/libraries/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.sdk.languages",
   "note": "Official client libraries listed are plaid-node, plaid-python, plaid-ruby, plaid-java, and plaid-go. Community libraries are marked unsupported.",
   "source": "https://plaid.com/docs/api/libraries/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.sdk.official",
   "note": "The libraries page labels the Node, Python, Ruby, Java, and Go clients as official API libraries.",
   "source": "https://plaid.com/docs/api/libraries/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.mcp.first_party",
   "note": "Plaid documents a hosted Dashboard MCP at https://api.dashboard.plaid.com/mcp/ using Streamable HTTP, plus a local AI coding-toolkit MCP for mock data, docs search, Sandbox tokens, and webhook simulation.",
   "source": "https://plaid.com/docs/resources/mcp/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.mcp.verdict",
   "note": "The Dashboard MCP is a Plaid-hosted product. Named tools are plaid_debug_item, plaid_get_link_analytics, plaid_get_tools_introduction, plaid_get_usages, and plaid_list_teams. Production access is required. The page marks the server under active development with limited support.",
   "source": "https://plaid.com/docs/resources/mcp/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.cli.exists",
   "note": "Plaid documents an official Homebrew CLI (brew install plaid/plaid-cli/plaid) for the Plaid API, with --json output, environment variables, and commands for link, balance, transactions, investments, and liabilities.",
   "source": "https://plaid.com/docs/resources/cli/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.extensibility.webhooks",
   "note": "Plaid sends signed JSON POST webhooks for Item and product events. The listener URL is typically set on /link/token/create. Failed deliveries retry for up to 24 hours. Verification uses the Plaid-Verification JWT header.",
   "source": "https://plaid.com/docs/api/webhooks/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.data_access.export[0]",
   "note": "Authenticated product calls return JSON bodies. A small subset, such as /asset_report/pdf/get, returns binary data with request_id in headers.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.data_access.import[0]",
   "note": "Authenticated POST bodies are JSON. Typical writes include /link/token/create and /item/public_token/exchange.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "modalities.agent_docs.llms_txt",
   "note": "Plaid publishes https://plaid.com/docs/llms.txt as an LLM-oriented Markdown index of docs. The file also points to https://plaid.com/docs/llms-full.txt and https://plaid.com/llms.txt.",
   "source": "https://plaid.com/docs/llms.txt",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "verdict.scores.api",
   "note": "The Products API is documented, read/write for enabled products, paired with official SDKs, OpenAPI, signed webhooks, and Sandbox. Link is mandatory for most Items, products are enabled separately, and Production access is requested. That is broad production coverage rather than unusual completeness.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "verdict.scores.mcp",
   "note": "The official Dashboard MCP is a limited vendor preview: five diagnostic and analytics tools, Production-only, 15-minute OAuth tokens, and an active-development warning. It does not call Auth, Transactions, or Identity. The local coding-toolkit MCP is a Sandbox and docs helper.",
   "source": "https://plaid.com/docs/resources/mcp/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "verdict.scores.cli",
   "note": "The CLI is official and agent-oriented (--json, stdout/stderr split, PLAID_* environment variables) but marked experimental, may break without notice, and currently supports only Balance, Transactions, Investments, and Liabilities.",
   "source": "https://plaid.com/docs/resources/cli/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "freshness.watch[0].url",
   "note": "Opened the current Dashboard MCP guide, including the hosted URL, Streamable HTTP, mcp:dashboard OAuth, Production gate, active-development warning, and the five named tools.",
   "source": "https://plaid.com/docs/resources/mcp/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "freshness.watch[1].url",
   "note": "Opened the current API reference overview, including hosts, JSON POST protocol, client_id/secret auth, OpenAPI repo pointer, and client-library link.",
   "source": "https://plaid.com/docs/api/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "freshness.watch[2].url",
   "note": "Opened the current Plaid CLI guide, including Homebrew install, experimental warning, product command set, and --json agent output.",
   "source": "https://plaid.com/docs/resources/cli/",
   "tier": "declared"
  },
  {
   "date": "2026-09-07",
   "fact": "freshness.watch[3].url",
   "note": "Opened the current docs llms.txt index. It is a first-party Markdown catalog of Plaid how-to and API pages.",
   "source": "https://plaid.com/docs/llms.txt",
   "tier": "declared"
  }
 ],
 "freshness": {
  "last_verified": "2026-09-07",
  "volatility": "high",
  "watch": [
   {
    "type": "mcp",
    "url": "https://plaid.com/docs/resources/mcp/"
   },
   {
    "type": "docs",
    "url": "https://plaid.com/docs/api/"
   },
   {
    "type": "docs",
    "url": "https://plaid.com/docs/resources/cli/"
   },
   {
    "type": "docs",
    "url": "https://plaid.com/docs/llms.txt"
   }
  ]
 },
 "homepage": "https://plaid.com/",
 "id": "plaid",
 "license": "commercial",
 "modalities": {
  "agent_docs": {
   "llms_txt": true
  },
  "api": {
   "auth": [
    "client-id-secret"
   ],
   "coverage": "partial",
   "docs": "https://plaid.com/docs/api/",
   "exists": true,
   "kinds": [
    "rest"
   ]
  },
  "cli": {
   "exists": true
  },
  "computer_use": {
   "issues": [],
   "viability": "unknown"
  },
  "data_access": {
   "export": [
    "api-json"
   ],
   "import": [
    "api-json"
   ]
  },
  "extensibility": {
   "scripting": [],
   "webhooks": true
  },
  "integrations": {
   "make": "unknown",
   "n8n": "unknown",
   "power_automate": "unknown",
   "zapier": "unknown"
  },
  "mcp": {
   "first_party": true,
   "third_party": [],
   "verdict": "official"
  },
  "rpa": {
   "drivability": "unknown",
   "notes": "No repeatable UI probe was run. The Products REST API, official client libraries, signed webhooks, and first-party MCP surfaces cover bank connectivity and Dashboard diagnostics without driving the Plaid Dashboard in a browser.\n",
   "ui_stack": [
    "web-dom"
   ],
   "vendor_support": []
  },
  "sdk": {
   "exists": true,
   "languages": [
    "javascript",
    "python",
    "ruby",
    "java",
    "go"
   ],
   "official": true
  }
 },
 "name": "Plaid",
 "platforms": [
  "web",
  "ios",
  "android"
 ],
 "related": {
  "alternatives": [
   "stripe",
   "paypal",
   "square"
  ],
  "our_products": []
 },
 "schema_version": 1,
 "score_version": 1,
 "status": "active",
 "vendor": "Plaid",
 "verdict": {
  "best_path": "api",
  "scores": {
   "api": 8,
   "cli": 5,
   "computer_use": null,
   "integrations": null,
   "mcp": 6,
   "overall": 8,
   "rpa": null
  },
  "summary": "Plaid is automatable today through the Products REST API. Hosts are https://sandbox.plaid.com and https://production.plaid.com. The documented interface is JSON over HTTPS POST. Almost every endpoint requires a client_id and secret in the JSON body or the PLAID-CLIENT-ID and PLAID-SECRET headers. Official client libraries exist for Node, Python, Ruby, Java, and Go. Most products require Plaid Link: create a link_token, complete Link, then call /item/public_token/exchange for an access_token. Auth returns account and routing numbers at /auth/get. Transactions uses /transactions/sync and signed webhooks. Identity exposes /identity/get and /identity/match. Sandbox is free. Production access is requested in the Dashboard; Trial plans (US and Canada, new teams) allow ten Production Items. This record is Plaid financial-data connectivity. It is not Stripe, PayPal, Square, or a consumer bank. The Dashboard MCP at https://api.dashboard.plaid.com/mcp/ is first-party Streamable HTTP. Auth is OAuth client_credentials with scope mcp:dashboard. Named tools are plaid_debug_item, plaid_get_link_analytics, plaid_get_tools_introduction, plaid_get_usages, and plaid_list_teams. The server is Production-only, under active development with limited support, and is not the Products API. A local coding-toolkit MCP covers Sandbox tokens, mock data, webhook simulation, and documentation search. The official Plaid CLI is experimental, may change without notice, and currently covers Balance, Transactions, Investments, and Liabilities, with --json for agents. Connector catalogs were not opened. Computer-use viability is unassessed. API scores 8 and is the best path.\n"
 }
}