Plaid

Provides API infrastructure that connects applications to bank accounts and financial data to support payments, identity verification, fraud prevention, underwriting, and personal finance management. Serves developers and product teams at fintechs, banks, lenders, platforms, and enterprises building consumer and business financial products. Delivered as an infrastructure API and network covering 12,000 financial institutions, with documentation, libraries, and dashboard for integration and management.

Key features

• Verified account and routing numbers
• Real-time balance checks
• Bank account-holder verification
• Identity matching
• Investment transfer authorization
• Income and paystub verification
• 24 months categorized transactions
• Cleanse and categorize transactions
• Investment holdings data
• Liabilities and debt data
• Global KYC and anti-fraud verification
• AML watchlist screening
• ACH payment risk scoring
• ACH RTP FedNow payment processing
• Instant customer onboarding flow