[
  {
    "id": "plaid-docs-1",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/auth/index.html.md",
    "excerpt": "Auth allows you to request a user's checking, savings, or cash management account and routing number, making it easy for you to initiate credits or debits via ACH, wire transfer, or equivalent international networks.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-2",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/balance/index.html.md",
    "excerpt": "Balance is Plaid's product for receiving real-time balance information. This data is commonly used to tell if an account has sufficient funds before using it as a funding source for a payment transaction",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-3",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/identity/index.html.md",
    "excerpt": "Plaid's Identity product helps you verify users' identities by accessing information on file with their financial institution.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-4",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/transactions/index.html.md",
    "excerpt": "Retrieve up to 24 months of transaction data and stay up-to-date with webhooks",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-5",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/link/index.html.md",
    "excerpt": "Plaid Link is the client-side component that your users will interact with in order to link their accounts to Plaid and allow you to access their accounts via the Plaid API.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-6",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/payment-initiation/index.html.md",
    "excerpt": "Plaid's European Payments suite enables your users to make real-time payments without manually entering their account details or leaving your app.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-7",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/sandbox/index.html.md",
    "excerpt": "The Plaid Sandbox is a free and fully-featured environment for application development and testing... you can create an unlimited number of test Items.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-8",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/api/webhooks/index.html.md",
    "excerpt": "Plaid sends webhooks to programmatically inform you about changes to Plaid Items or the status of asynchronous processes.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-9",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/resources/mcp/index.html.md",
    "excerpt": "The Dashboard MCP server is a remote MCP server hosted by Plaid. It provides Production diagnostics and analytics tools, including tools for debugging Items, reviewing Link conversion data, and checking usage metrics.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-10",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/quickstart/index.html.md",
    "excerpt": "Let's test out running Plaid locally by cloning the Quickstart app. You'll need API keys, which you can receive by signing up in the Dashboard.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-11",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/link/index.html.md",
    "excerpt": "You can customize parts of Link's flow straight from the Dashboard. You can preview your changes in real time and then publish them instantly once you're ready to go live.",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-gh-1",
    "tier": "github",
    "url": "https://github.com/plaid/plaid-node",
    "excerpt": "try {\n  await plaidClient.transactionsSync(request);\n} catch (error) {\n  const err = error.response.data;\n}",
    "fetchedAt": "2026-09-15T19:08:56.540Z"
  },
  {
    "id": "plaid-docs-12",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/identity/index.html.md",
    "excerpt": "Plaid's Identity product helps you verify users' identities by accessing information on file with their financial institution. Using Identity, you can access a user's phone number, email address, mailing address, and name.",
    "fetchedAt": "2026-09-15T19:35:17.672Z"
  },
  {
    "id": "plaid-docs-13",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/sandbox/index.html.md",
    "excerpt": "The Plaid Sandbox is a free and fully-featured environment for application development and testing. All Plaid functionality of both the Plaid API and Plaid Link is supported in the Sandbox environment.",
    "fetchedAt": "2026-09-15T19:35:17.672Z"
  },
  {
    "id": "plaid-docs-14",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/sandbox/index.html.md",
    "excerpt": "you can also create Items in Sandbox via the API, using a special Sandbox-only endpoint, /sandbox/public_token/create. This endpoint allows you to generate a public_token for an arbitrary institution ID, initial products, and test credentials.",
    "fetchedAt": "2026-09-15T19:35:17.672Z"
  },
  {
    "id": "plaid-gh-2",
    "tier": "github",
    "url": "https://github.com/plaid/plaid-node",
    "excerpt": "All errors can now be caught using try/catch with async/await or through promise chaining.",
    "fetchedAt": "2026-09-15T19:35:17.672Z"
  },
  {
    "id": "plaid-docs-15",
    "tier": "claimed-docs",
    "url": "https://plaid.com/docs/payment-initiation/index.html.md",
    "excerpt": "Plaid's European Payments suite enables your users to make real-time payments without manually entering their account details or leaving your app... Verify user accounts, manage risk, and move money across 18 European markets, all through a single Plaid integration.",
    "fetchedAt": "2026-09-15T19:35:17.672Z"
  },
  {
    "id": "plaid-probe-1",
    "tier": "probe",
    "url": "https://plaid.com/llms.txt",
    "excerpt": "PROBE llms.txt: HTTP 200 at https://plaid.com/llms.txt # Plaid\n\n> Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect",
    "fetchedAt": "2026-09-15T19:37:32.284Z"
  },
  {
    "id": "plaid-probe-2",
    "tier": "probe",
    "url": "https://plaid.com/docs/.md",
    "excerpt": "PROBE docs-md: HTTP 404 at https://plaid.com/docs/.md",
    "fetchedAt": "2026-09-15T19:37:32.284Z"
  },
  {
    "id": "plaid-probe-3",
    "tier": "probe",
    "url": "https://plaid.com/openapi.json",
    "excerpt": "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)",
    "fetchedAt": "2026-09-15T19:37:32.284Z"
  },
  {
    "id": "plaid-probe-4",
    "tier": "probe",
    "url": "https://plaid.com/docs/resources/mcp/",
    "excerpt": "official MCP server documented at https://plaid.com/docs/resources/mcp/",
    "fetchedAt": "2026-09-15T19:37:32.284Z"
  },
  {
    "id": "plaid-comm-1",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=25753935",
    "excerpt": "Plaid is a terrible company. Their main product scrapes financial data from unsuspecting users that simply think they're making a bank transfer and not signing away the privacy and security of their banking, 401k and trading information.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-2",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=25753935",
    "excerpt": "I gave them access to my bank via coinbase. If I change my bank password would they lose access to my account? If not, what do I need to do to make Plaid lose my banking access?",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-3",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=22038496",
    "excerpt": "Have to say I'm not a fan of Plaid at all. Dark patterns galore. Absolutely no indication when you go through a Plaid flow that you're likely giving away much more than just the bare minimum account numbers... transaction data, identity, real-time balance, etc.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-4",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=22038496",
    "excerpt": "Plaid is terrible! Both Wells Fargo and Bank of America support API integration, but Plaid chooses to screen-scrape and does not work if you have 2FA enabled. Also, you can't even manually enter your bank information.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-5",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=22038496",
    "excerpt": "Slightly off topic... Privacy virtual card use Plaid... The integration was extremely questionable. They were faking the bank's login page. So when you enter your credentials, it wasn't the actual bank's page.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-6",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=22038496",
    "excerpt": "Plaid is the scraping app US fintech startups had to use before teller.io (which uses the bank's own native APIs and therefore goes down way less) launched there. Good timing for the Plaid exit. Teller will eat their lunch.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-7",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=28200076",
    "excerpt": "Plaids terms are really concerning to me as a user... My main fear is that they get hacked and my credentials are used to drain my accounts. Plaid waives any liability and my bank doesn't do much if my credentials are used to do stuff like initiate wire transfers.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-8",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=28200076",
    "excerpt": "The 'Current' online-only bank insists on using Plaid if you want to transfer money from an existing account... Also apparently if you want to use Plaid with many different online banking portals, you need to permanently disable 2FA, also no thanks.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-9",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=28200076",
    "excerpt": "Top tip: If you don't want to give Plaid your banking credentials and all of your purchase history, just search for jibberish in the 'search for bank' option in any app that implements Plaid to get the option to 'link manually'.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-10",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=28200076",
    "excerpt": "The allegation is NOT that they shared/sold data to any third parties but that their Plaid Link user interface... looks like the customer's financial institution (i.e., uses the bank's branding colours and logo), causing consent confusion.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-11",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=28200076",
    "excerpt": "I actually mentioned in a thread about Plaid in 2018 that they sold transaction history to third parties, and the cofounder came onto HN to explicitly deny that.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-12",
    "tier": "community",
    "url": "https://news.ycombinator.com/item?id=21782196",
    "excerpt": "We were running 4,000 Node containers (or 'workers') for our bank integration service — Plaid's engineering blog post on scaling issues drew criticism/skepticism from commenters about their Node.js architecture choices.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-13",
    "tier": "community",
    "url": "https://hn.algolia.com/api/v1/items/20040182",
    "excerpt": "Teller does not use screen scraping. They reverse engineer each bank's mobile APIs — contrasted favorably against Plaid's approach in discussion of Plaid's UK launch.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  },
  {
    "id": "plaid-comm-14",
    "tier": "community",
    "url": "https://hn.algolia.com/api/v1/items/20040182",
    "excerpt": "They are PSD2 compliant which means they're using the Open Banking API... Plaid is relying on psd2/open banking in Europe.",
    "fetchedAt": "2026-09-15T19:38:28.192Z"
  }
]