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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...
Architectural Overview
"This module is grounded in ai engineering patterns and exposes 1 core capabilities across 1 execution phases."
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 than /transactions/get. Handle webhooks for real-time updates instead of polling.
Item Error Handling and Update Mode
Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode. Listen for PENDING_DISCONNECT webhook to proactively prompt users.
Anti-Patterns
❌ Storing Access Tokens in Plain Text
❌ Polling Instead of Webhooks
❌ Ignoring Item Errors
⚠️ Sharp Edges
| Issue | Severity | Solution |
|---|---|---|
| Issue | critical | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
When to Use
This skill is applicable to execute the workflow or actions described in the overview.
Primary Stack
Markdown
Tooling Surface
Guide only
Workspace Path
.agents/skills/plaid-fintech
Operational Ecosystem
The complete hardware and software toolchain required.
Module Topology
Antigravity Core
Principal Engineering Agent
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