Plaid Fintech
원문: 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.
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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 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…
실행 시 본인 API 키(BYOK)로 동작하며, 모델 비용은 사용자 계정에서 직접 결제됩니다.