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Developer API for accessing consumer and business financial data
Plaid's financial data API products provide developers with programmatic access to bank account data, transaction history, income verification, and investment data across 12,000+ financial institutions. Beyond its consumer-facing Link product, Plaid has built a comprehensive API platform for financial data use cases. Transactions provides enriched, categorized transaction history going back 24 months from connected accounts. Identity extracts and verifies account holder information for KYC purposes. Assets delivers a point-in-time snapshot of account balances and transaction history formatted for lending and verification workflows. Liabilities provides data on loans, mortgages, student loans, and credit cards. Investments gives access to brokerage, retirement, and investment account holdings. Income Verification uses bank data to verify income, supplementing or replacing pay stubs in lending workflows. Balance provides real-time account balance information for payment risk assessment. Signal predicts the likelihood of ACH return, enabling smarter payment decisioning. Plaid's API documentation is considered best-in-class, with comprehensive guides, SDKs, and sandbox environment. The company's network of institutional connections and developer-friendly tooling have made it the default choice for fintech developers needing financial data access. Regulatory compliance with GDPR, CCPA, and financial data regulations is built into the platform.