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name: plaid-fintech description: "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..." risk: unknown source: "vibeship-spawner-skills (Apache 2.0)" date_added: "2026-02-27"

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.