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56 lines
1.5 KiB
Markdown
56 lines
1.5 KiB
Markdown
---
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name: plaid-fintech
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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..."
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risk: unknown
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source: "vibeship-spawner-skills (Apache 2.0)"
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date_added: "2026-02-27"
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---
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# Plaid Fintech
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## Patterns
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### Link Token Creation and Exchange
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Create a link_token for Plaid Link, exchange public_token for access_token.
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Link tokens are short-lived, one-time use. Access tokens don't expire but
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may need updating when users change passwords.
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### Transactions Sync
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Use /transactions/sync for incremental transaction updates. More efficient
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than /transactions/get. Handle webhooks for real-time updates instead of
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polling.
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### Item Error Handling and Update Mode
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Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode.
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Listen for PENDING_DISCONNECT webhook to proactively prompt users.
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## Anti-Patterns
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### ❌ Storing Access Tokens in Plain Text
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### ❌ Polling Instead of Webhooks
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### ❌ Ignoring Item Errors
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## ⚠️ Sharp Edges
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| Issue | Severity | Solution |
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|-------|----------|----------|
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| Issue | critical | See docs |
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| Issue | high | See docs |
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| Issue | high | See docs |
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| Issue | high | See docs |
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| Issue | medium | See docs |
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| Issue | medium | See docs |
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| Issue | medium | See docs |
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| Issue | medium | See docs |
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## When to Use
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This skill is applicable to execute the workflow or actions described in the overview.
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