plaid-fintech
熱門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.
"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."
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 |
You Might Also Like
Related Skills
gog
Google Workspace CLI for Gmail, Calendar, Drive, Contacts, Sheets, and Docs.
openclaw
orpc-contract-first
Guide for implementing oRPC contract-first API patterns in Dify frontend. Triggers when creating new API contracts, adding service endpoints, integrating TanStack Query with typed contracts, or migrating legacy service calls to oRPC. Use for all API layer work in web/contract and web/service directories.
langgenius
