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.
Add this skill
npx mdskills install sickn33/plaid-fintechProvides high-level patterns but lacks actionable instructions and specifics for agent execution
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.
Use /transactions/sync for incremental transaction updates. More efficient than /transactions/get. Handle webhooks for real-time updates instead of polling.
Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode. Listen for PENDING_DISCONNECT 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 |
Install via CLI
npx mdskills install sickn33/plaid-fintechPlaid Fintech is a free, open-source AI agent skill. 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.
Install Plaid Fintech with a single command:
npx mdskills install sickn33/plaid-fintechThis downloads the skill files into your project and your AI agent picks them up automatically.
Plaid Fintech works with Claude Code, Claude Desktop, Cursor, Vscode Copilot, Windsurf, Continue Dev, Codex, Gemini Cli, Amp, Roo Code, Goose, Opencode, Trae, Qodo, Command Code. Skills use the open SKILL.md format which is compatible with any AI coding agent that reads markdown instructions.