How Plaid Identity Verification’s scores are calculated

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [probe] https://plaid.com/llms.txt“PROBE llms.txt: HTTP 200 at https://plaid.com/llms.txt # Plaid > Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect”
• [probe] https://plaid.com/docs/identity-verification/.md“PROBE docs-md: HTTP 404 at https://plaid.com/docs/identity-verification/.md”
• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”

Run the product headlessly / in CI for automationweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”
• [claimed-docs] https://plaid.com/docs/identity-verification/testing/index.html.md“In Sandbox mode, Identity Verification accepts the fixed set of inputs below in order to result in successful Data Source and Documentary Verification checks.”
• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”

Connect an agent via an official MCP serverweight 3

3 (weight) × 6 (quality) × 1.0 (full) = 18.0 of 30 max

• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”

Use an official CLIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Drive the product through a documented public APIweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

• [claimed-docs] https://plaid.com/docs/identity-verification/“Using Identity Verification, you can verify identification documents, phone numbers, name, date of birth, ID numbers, addresses, and more.”
• [claimed-docs] https://plaid.com/docs/identity-verification/index.html.md“You can combine multiple verification checks within a single Identity Verification template via the Workflow Management editor, and even run certain checks conditionally, such as only running a particular verification if another verification fails or indicates a high-risk session, or running different checks based on your user's country of origin.”
• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/docs/identity-verification/link/index.html.md“onEvent will fire at certain points throughout the IDV flow with updates on the user's progress at each point.”
• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”
• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Build against official SDKsweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/“Using Identity Verification, you can verify identification documents, phone numbers, name, date of birth, ID numbers, addresses, and more.”
• [probe] https://plaid.com/llms.txt“PROBE llms.txt: HTTP 200 at https://plaid.com/llms.txt # Plaid > Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect”
• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”
• [probe] https://plaid.com/docs/identity-verification/.md“PROBE docs-md: HTTP 404 at https://plaid.com/docs/identity-verification/.md”
• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”

Subscribe to events via webhooksweight 2

2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/docs/identity-verification/link/index.html.md“onEvent will fire at certain points throughout the IDV flow with updates on the user's progress at each point.”

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”
• [probe] https://plaid.com/docs/identity-verification/.md“PROBE docs-md: HTTP 404 at https://plaid.com/docs/identity-verification/.md”

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://plaid.com/docs/identity-verification/.md“PROBE docs-md: HTTP 404 at https://plaid.com/docs/identity-verification/.md”
• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 7 (quality) × 1.0 (full) = 7.0 of 10 max

• [claimed-docs] https://plaid.com/docs/identity-verification/testing/index.html.md“In Sandbox mode, Identity Verification accepts the fixed set of inputs below in order to result in successful Data Source and Documentary Verification checks.”

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”
• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/docs/identity-verification/testing/index.html.md“In Sandbox mode, Identity Verification accepts the fixed set of inputs below in order to result in successful Data Source and Documentary Verification checks.”

Do everything through the API that I can do in the UIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/failed-verifications/index.html.md“you can override a failure via the Dashboard by clicking the Override Result button on the verification detail page in the Dashboard.”
• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”
• [probe] https://plaid.com/openapi.json“PROBE openapi: all candidate paths 404 (https://plaid.com/openapi.json, https://plaid.com/swagger.json, https://plaid.com/api/openapi.json, https://plaid.com/.well-known/openapi.json)”

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Read the product's source under an open licenseweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/index.html.md“Identity Verification will also display a set of granular risk assessments (email risk, phone risk, etc.) in the Dashboard for each session, along with an overall risk score”
• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/index.html.md“You can combine multiple verification checks within a single Identity Verification template via the Workflow Management editor, and even run certain checks conditionally, such as only running a particular verification if another verification fails or indicates a high-risk session, or running different checks based on your user's country of origin.”
• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”
• [claimed-docs] https://plaid.com/docs/identity-verification/link/index.html.md“onEvent will fire at certain points throughout the IDV flow with updates on the user's progress at each point.”

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”

Operate the product with natural-language commandsweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

• [probe] https://plaid.com/docs/resources/mcp/“official MCP server documented at https://plaid.com/docs/resources/mcp/”
• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://plaid.com/docs/identity-verification/index.html.md“You can combine multiple verification checks within a single Identity Verification template via the Workflow Management editor, and even run certain checks conditionally, such as only running a particular verification if another verification fails or indicates a high-risk session, or running different checks based on your user's country of origin.”
• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/docs/identity-verification/failed-verifications/index.html.md“you can override a failure via the Dashboard by clicking the Override Result button on the verification detail page in the Dashboard.”

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

• [claimed-docs] https://plaid.com/docs/identity-verification/index.html.md“You can combine multiple verification checks within a single Identity Verification template via the Workflow Management editor, and even run certain checks conditionally, such as only running a particular verification if another verification fails or indicates a high-risk session, or running different checks based on your user's country of origin.”
• [claimed-docs] https://plaid.com/docs/identity-verification/webhooks/index.html.md“For Identity Verification, there are three events: STEP_UPDATED, STATUS_UPDATED, RETRIED”
• [claimed-docs] https://plaid.com/docs/identity-verification/link/index.html.md“onEvent will fire at certain points throughout the IDV flow with updates on the user's progress at each point.”
• [claimed-docs] https://plaid.com/products/identity-verification/“No-code editor to create and change verification flows”

Schedule recurring jobs or workflowsweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh