plaid-fintech

SKILL.md

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.

Use /transactions/sync for incremental transaction updates. More efficient than /transactions/get. Handle webhooks for real-time updates instead of polling.

Handle ITEMLOGINREQUIRED errors by putting users through Link update mode. Listen for PENDINGDISCONNECT webhook to proactively prompt users.

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. Source: automindtechnologie-jpg/ultimate-skill.md.

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