plaid-fintech
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.
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- 2026년 4월 6일 09:08
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SKILL.md
소스 지침 · 읽기 전용 미리보기- 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 |
---
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