Description

Plaid is a fintech platform that helps companies connect financial data, payments, and identity workflows through a single API platform. The site highlights support for account linking, bank payments, credit underwriting, and financial management use cases.

It also emphasizes broad network coverage, with access to 12,000+ financial institutions across 20 countries, and support for both personal and business accounts.

How we innovate

Plaid stands out for combining financial data access, bank payments, identity, and underwriting workflows on one platform, with broad institutional coverage across Europe and beyond.

Use Case / Scenario

1. Payments

Use Plaid to support bank payments such as Pay by Bank, recurring payments, and payouts for fintech products that move money at scale.

2. Credit and underwriting

Use real-time cash flow data, transaction history, and account coverage to help make faster, more accurate lending and underwriting decisions.

3. Account linking and financial management

Use Plaid for account linking, identity verification, and categorized transaction data to build onboarding and financial management experiences.

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