---
version: 4.1.0-fractal
name: plaid-fintech-76791d41b082
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](./sub-skills/link-token-creation-and-exchange.md)
### 2. [Transactions Sync](./sub-skills/transactions-sync.md)
### 3. [Item Error Handling and Update Mode](./sub-skills/item-error-handling-and-update-mode.md)
### 4. [❌ Storing Access Tokens in Plain Text](./sub-skills/storing-access-tokens-in-plain-text.md)
### 5. [❌ Polling Instead of Webhooks](./sub-skills/polling-instead-of-webhooks.md)
### 6. [❌ Ignoring Item Errors](./sub-skills/ignoring-item-errors.md)


---
Source attribution: Dokhacgiakhoa
Original project: https://github.com/Dokhacgiakhoa/antigravity-ide/blob/c4a059bbf7a8d6b2162071f0fbfe74053faa6d20/.agent/skills/plaid-fintech/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 Dokhacgiakhoa

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.

================================================================================
UNIVERSAL ACKNOWLEDGEMENTS & REFERENCES
================================================================================

This project is authored and maintained by Dokhacgiakhoa.
Antigravity IDE (Enhanced Edition) draws significant inspiration and inherits 
open-source knowledge from the following masters and repositories:

1. Antigravity Kit (Core Reference)
   - Original Author: vudovn
   - Link: https://github.com/vudovn/antigravity-kit

2. Antigravity Awesome Skills (Skill Metadata Reference)
   - Original Author: sickn33
   - Link: https://github.com/sickn33/antigravity-awesome-skills

3. UI/UX Pro Max (Design Philosophy Reference)
   - Original Author: sickn33
   - Link: https://github.com/sickn33/ui-ux-pro-max

4. Model Context Protocol (MCP) standards
   - Authors: Anthropic & Ecosystem Contributors
   - Link: https://modelcontextprotocol.io/

5. High-Performance Web Standards
   - Inspiration: Vercel Engineering & Anthony Fu (antfu)

6. Strategic Knowledge Extraction
   - Inspiration: Fabric Patterns (danielmiessler)

*Note: All trademarks and copyrights belong to their respective owners. 
The references above reflect research-level inspiration and antecedent 
contributions. These parties are not involved in the management of this repository.*



# Dave AI resource metadata

Creator / publisher: Dokhacgiakhoa
Original project: https://github.com/Dokhacgiakhoa/antigravity-ide/blob/c4a059bbf7a8d6b2162071f0fbfe74053faa6d20/.agent/skills/plaid-fintech/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Marketing, Sales
Roles: Business Development, Financial Analyst, Growth Marketer, Product Marketer, Sales Engineer
Specialties: API
Tools: Plaid, Stripe
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: 8e1cc9ed95e4ac2d6cc9b38e7079881b7814ca33636daa08e1329d2d13dbf80c