Plaid
by Plaid Inc.
Integrate an AI agent with Plaid to verify income from real bank data — the agent creates a Link token for the account holder, exchanges it for an access token, then reads transactions, balances, and identity to check what someone actually earns and holds.
How agents use Plaid
- ✓Verify income and employment via bank transaction history
- ✓Analyze spending patterns for financial planning agents
- ✓Detect unusual transactions for fraud monitoring
- ✓Sync bank data to accounting software automatically
- ✓Generate link tokens for multi-step bank connection workflows
- ✓Agent requests the income verification product when it creates the Link token, so the income check happens inside the same bank connection rather than as a separate step later
- ✓Agent reads transaction history and account identity together, so the income figure and the person it belongs to are verified from one source instead of two
- ✓Agent exchanges the public token from Link for a permanent access token and stores it, so a repeat income check does not ask the customer to reconnect their bank
- ✓Agent reads current and available balances alongside income history, so a workflow has both what someone earns and what they hold before it decides what to do next
Agent actions
Inputs: accessToken, startDate, endDate, count, offset, accountIds
Returns: transactions, totalTransactions, accounts
Inputs: accessToken
Returns: accounts, item
Inputs: accessToken, accountIds
Returns: accounts, totalAvailable, totalCurrent
Inputs: accessToken
Returns: accounts, owners
Inputs: userId, clientName, products, countryCodes, language
Returns: linkToken, expiration
Inputs: publicToken
Returns: accessToken, itemId
Example workflows
Income verification
Agent retrieves bank transaction history to verify income for loan applications
Expense categorization
Pull transactions and use AI to categorize business vs. personal spending
Tenant screening
Agent requests the income verification product on the Link token, then reads transaction history to check a rental applicant against the income they stated
Client onboarding
Agent runs Link, exchanges the public token, and pulls identity plus balances so account details are verified once instead of retyped by hand
About Plaid
- Vendor
- Plaid Inc.
- Pricing Always review details with the vendor
- Paid — Pricing varies by product and volume. Auth: ~$0.60/item, Transactions: ~$0.30/item/month. Sandbox is free.
- Authentication
- API key
- Rate limit Always review details with the vendor
- 600 requests / minute
- Compatible nodes
- AgentResourceInputOutput
- Website
- https://plaid.com
Put Plaid behind your AI agent
Set up Plaid alongside your other tools in the planner — no code — so AI can act on it for your customers.
Open the plannerRelated Other tools
GitLab
Connect agents to GitLab to manage issues, merge requests, pipelines, and repositories.
Algolia
Integrate an AI agent with Algolia to run full-text searches over your own indexes and read the matching records back — so the agent answers from your catalog rather than from recall — and to add, update, and delete records as workflows run.
DocuSign
Connect agents to DocuSign to send envelopes for signature, track status, and retrieve signed documents.