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Plaid Inc.
Plaid is a financial data network and fintech infrastructure company that helps people securely connect financial accounts to digital financial services.
San Francisco, United States
Maintainer signals as of Sep 2, 2026
Liabilities
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Description
Liabilities is a Plaid financial-data API product for accessing user debt information. It supports credit cards, PayPal credit, student loans, and mortgages, with data including balances, payment dates, loan terms, interest rates, origination details, and lender information. Plaid documents production availability, daily refreshes, and the /liabilities/get endpoint.Category: Data
Auth
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Description
Auth is Plaid’s bank-account authentication product. Through a single API, it lets customers verify account ownership and share bank-account information from more than 12,000 financial institutions in the U.S., Canada, and Europe. It supports ACH account authentication in the U.S., EFT payments in Canada, and debit withdrawals in the U.K. and EU.Category: Payments Infrastructure
Identity
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Description
Identity is a Plaid product for retrieving account-holder information from linked financial institutions and assessing its match with user-provided details through the /identity/get and /identity/match endpoints. It supports individual and joint accounts, enabling identity-data form autofill, onboarding verification, and fraud and account-takeover prevention.Category: Decentralized File Storage
Plaid Signal
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Description
Plaid Signal is Plaid’s ACH risk-management solution. It evaluates proposed U.S. domestic ACH transactions using linked-account and Plaid Network data, returning risk scores and predictive insights. Businesses manage decisions through Signal Rules and the Plaid Dashboard to reduce returns and improve payment conversion.Category: Risk Assessment
Plaid Transfer
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Description
Plaid Transfer provides API-first bank-payment infrastructure for account funding, lending disbursements and repayments, bill payments, insurance payments, wages, and customer payouts. The product combines multi-rail payment processing with onboarding, risk controls, configurable rules, and transfer/account/return visibility.Category: Payments Infrastructure
Identity Verification
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Description
Identity Verification is Plaid’s product for onboarding and fraud prevention. It confirms identity information against regulated data sources, authenticates global ID documents, and uses liveness and face-to-ID matching. Its anti-fraud engine evaluates behavioral, email and phone, device and network, and synthetic or stolen-identity risk signals. Product, Compliance, and Risk teams can configure verification flows, risk rules, and exceptions without code, and deploy through no-code links, API-assisted hybrid flows, or an embeddable interface.Category: Service Provider
Investments
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Description
Investments lets developers retrieve user-authorized investment data from supported financial institutions in the United States and Canada. It supports brokerage, retirement, education, health, crypto-exchange, and self-custody investment account data through holdings, transactions, and refresh endpoints.Category: Data
Transactions
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Description
Transactions is Plaid’s transaction-data product for credit cards, checking, savings, and student loan accounts. It provides enhanced merchant, category, channel, and location data, transaction categorization, real-time notifications when transactions are added, removed, or updated, and on-demand data refreshes for businesses and developers building spending and financial-management experiences.Category: Data
Balance
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Description
Balance is Plaid’s real-time account-balance verification product. Its Balance endpoint returns available and current balances for linked accounts, helping businesses reduce overdraft and NSF fees and support account pre-funding in the US and Canada.Category: Pricing Data API
Plaid Monitor
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Description
Plaid Monitor screens individuals and entities against global sanctions, politically exposed person, and regulatory watchlists. It provides dashboard and API workflows, configurable matching and review programs, daily rescans, webhooks, audit trails, and integration with Plaid Identity Verification.Category: Risk Assessment
Plaid Protect
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Description
Plaid Protect analyzes relationships and behavior across users, devices, bank accounts, and financial activity to detect synthetic identity fraud, account takeover, first-party fraud, and coordinated fraud rings. It provides dynamic Trust Index scoring, network-level intelligence, risk investigation, natural-language search, workflow configuration, and no-code fraud rules.Category: Risk Assessment
Investments Move
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Description
Investments Move is a Plaid product for automating brokerage-to-brokerage asset-transfer workflows in the United States and Canada. Through a Plaid Link flow and the Investments Auth API, it retrieves user-authorized, broker-sourced information such as account-holder details, account numbers and types, DTC codes, balances, and standardized holdings data needed for full or partial ACATS or ATON transfers. It also provides fallback flows for entering or verifying information when a brokerage connection cannot supply complete data. Plaid currently offers the product on a limited, early-availability basis.Category: Payments Infrastructure
Assets
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Description
Plaid Assets retrieves identity, historical and current balances, historical transactions, and related financial information from connected financial institutions. Developers can create and retrieve Asset Reports in JSON or PDF, refresh reports, and share reports with integrated auditors or loan purchasers. Plaid currently recommends Consumer Report by Plaid Check for most new customers and positions Assets for use cases not supported by Consumer Report, such as underwriting outside the US.Category: Data
Beacon
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Description
Beacon enables participating Plaid-powered organizations to report and query fraud involving identities and Plaid-linked bank accounts, including stolen identity, synthetic identity, account takeover, and data-breach indicators. It supports API and dashboard workflows and provides aggregated account-risk attributes.Category: Risk Assessment
Cognito Screening
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Description
Cognito Screening screens customers against government watchlists and PEP data, uses configurable matching to reduce false positives, performs ongoing rescans, and provides compliance-review workflows, assignments, escalations, audit trails, and screening-history records.Category: Uncategorized
Cognito Flow
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Description
Cognito Flow is a business-facing identity-verification service integrated into customer onboarding. It selects lower-friction verification methods by country and supports fallbacks; PII and address verification; SMS and phone-ID linking; document and liveness checks; managed, hybrid, and hosted verification flows; workflow configuration; manual-review handling; re-verification; and anti-fraud signals. It integrates with Cognito Screening for watchlist and PEP/AML workflows.Category: Service Provider