Plaid

Live 60 Actions

Plaid Integration for AI Agents

Connect your AI agent to 60 production-ready Plaid actions via MCP, A2A, or SDK — with agent authentication, optimized tool-calling execution, and built-in security.

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Plaid AI Agent Actions

60 production-ready actions for your agent to do more on Plaid.

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60 Actions

Get Accounts - Retrieve all financial accounts (checking, savings, credit, loan, investment) linked to an Item via POST /accounts/get

Get Account Balance - Fetch real-time balance data directly from the financial institution for all or specific accounts via POST /accounts/balance/get

Create Asset Report - Create an Asset Report for the linked Item, providing a point-in-time snapshot of account balances, transactions, and identity data for lending and verification via POST /asset_report/create

Get Asset Report - Retrieve a completed Asset Report containing account balances, transaction history, and identity data via POST /asset_report/get

Get Asset Report PDF - Download a completed Asset Report as a formatted PDF document (binary response, application/pdf) for sharing with lenders and verifiers via POST /asset_report/pdf/get

Refresh Asset Report - Create a refreshed copy of an existing Asset Report with updated data from the financial institutions via POST /asset_report/refresh

Filter Asset Report - Create a filtered copy of an Asset Report with specified accounts excluded via POST /asset_report/filter

Remove Asset Report - Permanently delete an Asset Report and invalidate its token via POST /asset_report/remove

Get Auth - Retrieve bank account numbers and routing numbers needed to initiate ACH, EFT, BACS, and wire transfers via POST /auth/get

Create Check Report - Generate a fresh Consumer Report (Plaid Check) for a user, kicking off async aggregation of bank, income, and cashflow data via POST /cra/check_report/create

Get Check Base Report - Retrieve the base bank/cash-flow Consumer Report containing items, accounts, balances, and transactions via POST /cra/check_report/base_report/get

Get Check Income Insights - Retrieve the income-stream-analysis section of the Consumer Report (recurring deposits clustered into employer streams) via POST /cra/check_report/income_insights/get

Get Check Cashflow Insights - Retrieve cashflow-pattern analysis (income vs expense, NSF events, savings trends) of the Consumer Report via POST /cra/check_report/cashflow_insights/get

Get Check LendScore - Retrieve Plaid's proprietary LendScore (cash-flow-based credit score) for the user via POST /cra/check_report/lend_score/get

Get Check Partner Insights - Retrieve partner-derived cash-flow insights computed by Plaid's underwriting partners via POST /cra/check_report/partner_insights/get

Get Check Report PDF - Download the Consumer Report as a formatted PDF document for sharing with lenders via POST /cra/check_report/pdf/get

Enrich Transactions - Enrich your own (non-Plaid-sourced) transactions with merchant info, categorization, and counterparty data via POST /transactions/enrich

Get Identity - Retrieve personal identity information (name, email, phone, address) for account holders directly from the financial institution via POST /identity/get

Get Bank Income - Retrieve completed Bank Income reports (income streams identified from bank deposits) for a user via POST /credit/bank_income/get

Get Bank Income PDF - Download a Bank Income report as a formatted PDF document for sharing with lenders via POST /credit/bank_income/pdf/get

Get Payroll Income - Retrieve verified payroll-system-sourced income data for a user (W-2, paystubs, employer info) via POST /credit/payroll_income/get

Get Payroll Income Risk Signals - Retrieve fraud risk signals on parsed payroll documents (paystubs, W-2s) via POST /credit/payroll_income/risk_signals/get

Get Employment - Retrieve employment verification data (employer name, employment dates, status) sourced from payroll provider via POST /credit/employment/get

Get Credit Sessions - List the user's Income / Consumer-Report Link sessions and their final statuses via POST /credit/sessions/get

Get Institutions - Retrieve a paginated list of all Plaid-supported financial institutions with filtering by country, products, and routing numbers via POST /institutions/get

Get Institution By ID - Retrieve detailed metadata for a single financial institution by its Plaid institution_id via POST /institutions/get_by_id

Search Institutions - Search Plaid's institution directory by name or query string with optional product and country filters via POST /institutions/search

Get Investment Holdings - Retrieve current investment portfolio holdings including stocks, bonds, mutual funds, and ETFs for linked brokerage and retirement accounts via POST /investments/holdings/get

Get Investment Transactions - Retrieve investment transactions (buys, sells, dividends, fees, transfers) within a specified date range for linked brokerage accounts via POST /investments/transactions/get

Get Item - Retrieve metadata and health status for a linked financial institution Item via POST /item/get

Remove Item - Permanently remove a linked Item, invalidating its access_token and ending all associated billing via POST /item/remove

Update Item Webhook - Update or set the webhook URL for receiving real-time event notifications for an Item via POST /item/webhook/update

Get Liabilities - Retrieve detailed liabilities data for credit cards, student loans, and mortgages associated with an Item via POST /liabilities/get

Create Link Token - Create a link_token to initialize Plaid Link, the client-side UI component for bank account connection, via POST /link/token/create

Get Link Token - Retrieve metadata and configuration details for a previously created link_token via POST /link/token/get

Exchange Public Token - Exchange a single-use public_token for a permanent access_token via POST /item/public_token/exchange

Sandbox Create Public Token - Create a test public_token for a sandbox Item, simulating the Plaid Link flow without user interaction, via POST /sandbox/public_token/create

Evaluate Signal - Score the ACH return risk of a proposed debit transaction and apply Dashboard rulesets via POST /signal/evaluate

Prepare Signal - Pre-warm Plaid's risk model for an Item so the next /signal/evaluate completes faster via POST /signal/prepare

Report Signal Decision - Report whether you proceeded with or blocked the ACH debit after a Signal score, used to refine Plaid's model via POST /signal/decision/report

Report Signal Return - Report a returned ACH transaction back to Plaid with the return code so its risk model can learn via POST /signal/return/report

List Statements - Retrieve a list of available bank statements for all accounts linked to an Item via POST /statements/list

Download Statement - Download a single bank statement PDF by its statement ID via POST /statements/download

Refresh Statements - Trigger on-demand extraction of bank statements for a specified date range via POST /statements/refresh

Sync Transactions - Get incremental transaction updates using Plaid's recommended cursor-based sync approach, returning added, modified, and removed transactions since the last sync via POST /transactions/sync

Get Transactions - Fetch historical transaction data within a specified date range with pagination and optional enrichment fields via POST /transactions/get

Get Recurring Transactions - Fetch Plaid-detected recurring transaction patterns (subscriptions, income deposits, bills) for accounts associated with an Item via POST /transactions/recurring/get

Refresh Transactions - Trigger an on-demand refresh of transaction data for an Item, bypassing the normal automatic update schedule, via POST /transactions/refresh

Create Transfer Authorization - Authorize a money movement before creating a transfer, returning a Plaid risk decision (approved, declined, user_action_required) via POST /transfer/authorization/create

Create Transfer - Initiate a money movement using a previously-approved authorization, returning the transfer_id and initial status (pending) via POST /transfer/create

Get Transfer - Retrieve the current state and metadata of a single transfer by transfer_id via POST /transfer/get

List Transfers - List transfers with optional filters by date range, account, status, or originator via POST /transfer/list

Cancel Transfer - Cancel a transfer that has not yet posted to the bank network via POST /transfer/cancel

Cancel Transfer Authorization - Cancel an unused transfer authorization before it expires via POST /transfer/authorization/cancel

List Transfer Events - List historical lifecycle events across transfers with date and status filters via POST /transfer/event/list

Sync Transfer Events - Incrementally pull transfer lifecycle events using a monotonically-increasing event_id cursor via POST /transfer/event/sync

Create Transfer Refund - Refund some or all of a posted/settled transfer back to the user's bank via POST /transfer/refund/create

Get Transfer Refund - Retrieve refund details and current status by refund_id via POST /transfer/refund/get

Cancel Transfer Refund - Cancel a pending refund before it posts to the network via POST /transfer/refund/cancel

Get Transfer Capabilities - Determine RTP eligibility and other transfer capabilities for a Plaid Item via POST /transfer/capabilities/get

Do More, Build Less

Integration Infrastructure for Plaid AI Agents

Multiple Interfaces

Access integrations via API, AI SDKs, MCP & A2A.

Plaid MCP server

Managed Authentication

Pre-built authentication UI.

Agent auth

Falcon Engine

Every Plaid action runs on Falcon.

Agent Execution Engine

StackOne Defender

88.7% prompt injection detection.

Prompt injection defense

"What impressed us most about StackOne is its ambition and clarity. They're creating infrastructure that modern software and the entire AI agent ecosystem can rely on. The depth of secure integrations, the pace of delivery, and the team's foresight into AI's future uniquely position StackOne to redefine this category."

Luna Schmid, Partner at GV

"We've been impressed by how quickly and deeply StackOne integrates with complex enterprise systems -- and now, with their focus on agent-to-agent interoperability, they're unlocking even more powerful use cases for customers. StackOne delivers all of the above in a universal layer -- without compromise."