plaid-fintech

version	4.1.0-fractal
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

🧠 Knowledge Modules (Fractal Skills)

1. Link Token Creation and Exchange

2. Transactions Sync

3. Item Error Handling and Update Mode

4. ❌ Storing Access Tokens in Plain Text

5. ❌ Polling Instead of Webhooks

6. ❌ Ignoring Item Errors