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plaid-fintech

Expert patterns for Plaid API integration including Link token flows, transactions sync, identity verification, Auth for ACH, balance checks, webhook handling, and fintech compliance best practices. Use when: plaid, bank account linking, bank connection, ach, account aggregation.

cli-tool/components/skills/development/plaid-fintech/SKILL.md

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Nov 7, 2026
License
MIT

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# Plaid Fintech

## Patterns

### Link Token Creation and Exchange

Create a link_token for Plaid Link, exchange public_token for access_token.
Link tokens are short-lived, one-time use. Access tokens don't expire but
may need updating when users change passwords.


### Transactions Sync

Use /transactions/sync for incremental transaction updates. More efficient