Agent skill · software engineering · aiskillstore
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.
Why this skill is useful
Provides specific integration patterns and error handling strategies for Plaid API that the AI wouldn't reliably generate on its own.
What it needs
Requires plaid account access. About 1k tokens when loaded. Last updated 2026-08-07. 405 stars on the source repository.
What this skill does
Plaid Fintech Patterns Link Token Creation and Exchange 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. 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 ITEMLOGINREQUIRED errors by putting users through Link update mode. Listen for PENDINGDISCONNECT 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
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills aiskillstore/plaid-fintech