---

name: plaid-fintech 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. Use when: plaid, bank account linking, bank connection, ach, account aggregation." source: vibeship-spawner-skills (Apache 2.0)

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