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.
Target: Software development & testing. Automatically collected · unverified.
Excerpt from the author’s documentation
Extracted from a fixed version of SKILL.md in its original language. This is the author’s documentation; installation, compatibility and runtime results have not been verified by this site.
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Topics in the source
- Plaid Fintech
- Patterns
- Link Token Creation and Exchange
- Transactions Sync
- Item Error Handling and Update Mode
- Anti-Patterns
- ❌ Storing Access Tokens in Plain Text
- ❌ Polling Instead of Webhooks
Create a linktoken for Plaid Link, exchange publictoken for accesstoken. Link tokens are short-lived, one-time use. Access tokens don't expire but may need updating when users change passwords. Use /transactions/sync for incremental transaction updates. More efficient than /transactions/get. Handle webhooks for real-time updates instead of polling. Handle ITEMLOGINREQUIRED errors by putting users through Link update mode. Listen for PENDINGDISCONNECT webhook to proactively prompt users. | 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 |
- Source repository
- davila7/claude-code-templates
- Source file
- cli-tool/components/skills/development/plaid-fintech/SKILL.md
- Fixed revision
- 21be197f100a12b8d0dd9a211cc244c8179f84d3
Sources and evidence
This record was collected automatically. Its documentation, suitability and runtime behavior have not been manually verified.
Author: davila7/claude-code-templates · original repository metadata. Documentation review: Not reviewed. Last source check: 2026-11-09T14:01:44.589Z.
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