---
name: plaid-finance
description: "Plaid financial data API: bank accounts, transactions, balances, income, assets, identity verification, and ACH payments. Connect to 12,000+ financial institutions for personal finance and lending apps."
tags: [plaid, banking, financial-data, open-banking, fintech, ach, zorai]
---
## Overview

Plaid connects applications to 12,000+ financial institutions for bank accounts, transactions, balances, income, identity verification, and ACH payments. Standard for fintech apps needing secure financial data access.

## Installation

```bash
uv pip install plaid-python
```

## Link Token

```python
import plaid
from plaid.api import plaid_api

config = plaid.Configuration(
    host=plaid.Environment.Sandbox,
    api_key={"clientId": "YOUR_CLIENT_ID", "secret": "YOUR_SECRET"},
)
client = plaid_api.PlaidApi(plaid.ApiClient(config))

resp = client.link_token_create(plaid.LinkTokenCreateRequest(
    user={"client_user_id": "user-123"},
    client_name="My App",
    products=["transactions", "auth"],
    country_codes=["US"],
    language="en",
))
print(resp.link_token)
```

## Get Transactions

```python
resp = client.transactions_sync(plaid.TransactionsSyncRequest(access_token=access_token))
for tx in resp.added:
    print(f"{tx.date}: {tx.name} — ${tx.amount:.2f}")
```

## References
- [Plaid API docs](https://plaid.com/docs/api/)
- [Plaid Quickstart](https://plaid.com/docs/quickstart/)

---
Source attribution: mkurman
Original project: https://github.com/mkurman/zorai/blob/d06ee7597049567dab92db22d41b2764cf89094a/skills/scientific-skills/plaid-finance/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Dave AI.

## Upstream license notice

MIT License

Copyright (c) 2026 zorai contributors

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Dave AI resource metadata

Creator / publisher: mkurman
Original project: https://github.com/mkurman/zorai/blob/d06ee7597049567dab92db22d41b2764cf89094a/skills/scientific-skills/plaid-finance/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Marketing, Sales
Roles: Account Executive, Business Development, Financial Analyst, Growth Marketer, Product Marketer
Specialties: API
Tools: Plaid
Country applicability: United States
Classification basis: Source catalog labels
Instruction SHA-256: d99e702d15f90937d07286f15f422d5f34058c86c3fe001c72bbf44ec1c56c28