What is Plaid? Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services. Core product categories and solutions 1. Payments: Plaid offers a modular suite of account linking, risk, and money movement products to make bank payments more successful and scalable than ever. 2. Account linking and verification: Plaid offers the full suite of Auth products—instant Auth with 95% coverage of U.S. bank accounts and database Auth for broader reach—along with Identity to verify account ownership 3. Risk management: Signal, our payment risk platform, provides the choice of real-time balance checks or machine learning transaction risk scores, all delivered through a hosted rules engine with a no-code UI so risk insights can be acted on immediately. 4. Money movement: Transfer is Plaid’s multi-rail payment solution, supporting ACH, RTP, FedNow, and Request for Payment, with Signal embedded for built-in risk decisioning. This unified suite makes it easier to connect accounts, manage risk, and move money with confidence. 5. Identity verification and fraud prevention: Plaid offers comprehensive tools to confirm identities and reduce fraud. Plaid Identity Verification (IDV) lets clients authenticate their customers through document checks, liveness detection, and data source verification. Monitor lets clients detect whether their customers are on government watchlists through sanction, PEP, and watchlist screening for anti-money laundering compliance. Plaid Protect is an AI-powered fraud intelligence platform that helps detect and stop fraud across the entire user journey—from the first interaction to the point of a transaction. Built on top of Plaid's network of a billion device connections across over 7,000 apps, Protect helps businesses prevent the toughest fraud including ATOs, first party fraud and synthetic identities. 6. Personal finance data & insights: Transactions provides up to 24 months of categorized history enriched with merchant and location details. Liabilities offers visibility into credit card, loan, and mortgage obligations, while Investments aggregates brokerage, retirement, and crypto accounts. Enrich and Personal Finance Insights help companies clean and contextualize data to deliver stronger budgeting and financial wellness experiences. 7. Credit underwriting & financial health: Plaid Consumer Report helps lenders harness FCRA-compliant cash flow data, offering income insights, asset verification, and real-time account activity to power more confident decisions. By leveraging Plaid’s unique network insights, lenders gain a holistic view of borrower financial stability which can be used throughout the entire lending lifecycle. With a market-ready risk score - Plaid LendScore - financial institutions can underwrite more accurately, approve more qualified borrowers, and reduce losses with smarter, data-driven assessments. 8. Open finance & connectivity: Core Exchange offers standardized access to financial data, Permissions Manager gives consumers greater control over consent, and the App Directory supports partner compliance and risk management. 9. Onboarding & user journeys: Plaid Link is a mobile-first, conversion-optimized interface that enables secure account connections at scale. By reducing friction during sign-up, Link helps businesses improve customer onboarding and payment flows. Industries and use cases Plaid supports a wide range of industries and financial workflows, including: - Banks & credit unions - Payouts streamline disbursements, and Pay by Bank supports direct consumer-to-business payments for recurring bills, subscriptions, and eCommerce. - Mortgages & lending - Government & public sector programs - Property management - Gaming - Crypto & digital assets - Business finances - Wealth management Customers include Venmo, Robinhood, Rocket, Carvana, Affirm, Invitation Homes, and many more. Security and compliance Plaid is built with enterprise-grade encryption, continuous monitoring, and regulatory compliance, including PSD2 in Europe and FCA requirements in the UK. Plaid does not hold funds but enables secure data transfer and payment initiation. Conclusion Plaid provides trusted infrastructure across payments, identity verification, fraud prevention, account connectivity, and open banking. With scale, security, and mobile-first design, Plaid helps businesses create seamless and secure financial experiences for millions of consumers worldwide.

Phyllo is the universal API for all social data intelligence. A unified API pipeline offers secure, authenticated connections to 20+ social media and creator platforms. The largest creator economy and influencer marketing players trust only Phyllo to fetch profile details, monitor performance to calculate ROI, publish on behalf of others, create consolidated creator profiles/link in bio pages, and much more. After dominating the landscape of creator economy, we've stepped in to fix the broken parts of influencer marketing. Our fresh, AI powered APIs set new standards for social listening, evaluating influencer-brand fitment, and ensuring online brand safety. We also offer solutions for marketing agencies, and automated and intelligent social background checks for recruitment purposes. Phyllo is a data gateway that allows creator data to be accessed directly from source platforms. ‍ Phyllo builds the underlying infrastructure that connects with every creator platform, maintains a live data feed to the systems used by these platforms to manage creators’ data, and provides a normalised data set so that businesses can use creators’ data in a simple yet impactful way.

Maesn is the leading unified API for ERP and accounting integrations—out of the box. Instead of navigating complex systems, qualifying as a tech partner, and building and maintaining integrations themselves, our customers integrate with Maesn once and instantly unlock all relevant ERP and accounting APIs for their users. This means faster time-to-market, fewer engineering bottlenecks, and more closed deals. With highest security standards and smart endpoints that abstract the complexity of connected systems, Maesn delivers seamless interoperability. Headquartered in Germany, we power integrations for leading global companies— so they can focus on growth, not on integrations.

Paragon is an integration infrastructure platform that engineering teams at over 100 B2B SaaS companies rely on to build and scale their products' integration roadmaps. Unlike other platforms that force you to build with one modality, Paragon provides three purpose-built products for every use case. Managed Sync for high volume, normalized data & permissions ingestion ActionKit for taking real-time & synchronous actions in your users' 3rd-party apps Workflows (Embedded iPaaS) for event-driven automations Common use cases: - Bi-directional sync: Sync records between your app and your users' CRMs, project management tools, and more. - Ingestion: Ingest users' structured and unstructured contextual data & permissions for your AI product's RAG pipeline - AI agent tools: Equip your AI agents with hundreds of 3rd-party actions - Workflow builder nodes: Add integration nodes to your workflow product with one API - Automate: Automate tasks within your app or your users' 3rd party apps Customers like Pipedrive, AI21, and CrewAI have saved over 90% of their engineering resources per integration, enabling them to focus on their core product without compromising on interoperability.

Revert is a unified API for all your product integrations. With Revert, you would not need to integrate with multiple third-party APIs yourself and only integrate with Revert once. New third party integrations will automatically be added and can be turned on immediately. Your customers authenticate their tools with us using our drop-in UI that you can integrate in your front-end.

The Precise API is a streamlined solution that connects and aggregates business accounting data for enterprise users, including financial institutions, lenders, and fintechs. Offers essential insights into the financial health of business clients, including historical, real-time, and forecasted performance. With features like pre-built cash flow forecasting tools, the Precise API makes it simple to retain small business clients. Predict as a Service is a powerful add-on available for the Precise API. Support business clients with a premium white-label cash flow forecasting and scenario planning portal and retain ongoing accounting data access for additional engagement.

Boss Insights provides global leading access to business customers’ financial data with a single connection to accounting, banking, commerce, payroll, tax and more (i.e. Quickbooks, Stripe, SalesForce, etc.). It’s used by fintechs and neobanks to gain 51% faster funding, 5x faster renewals, 100% automated scoring and 60% cost savings.

IntegrationOS is realtime integration middleware for high-growth startups. It gives developers and product teams an all-in-one toolkit to ship, manage and scale in-app integrations for customers. The catalog includes 50+ accounting, CRM, POS and commerce integrations. IntegrationOS is also fully open source under an OSI-approved license (GPL3).

Merlin Unified API integrates multiple AI models, including Gemini, GPT-4, and DALL-E, through a single API endpoint.

Pinwheel is working to create a fairer financial system by unlocking API access to payroll systems. Pinwheel provides a platform allowing consumers to connect their payroll account to any app. By building pipes that connect these systems to banks, lenders, and other service providers, we help underserved consumers gain equitable access to today’s financial products when they need them the most.

Railz is building the largest financial data network for the future of finance. We aim to bridge the connection between future-thinking financial institutions and companies and their SMB customers’ financial data. Our Accounting Data-as-a-Service™ solution offers financial institutions and fintechs the ability to move fast through messy data - and make sense of it all. With our single API, get the financial data you need from major accounting and financial service providers. Get real-time accounting data, syncing, and analysis at your fingertips with Railz.

The safest and most reliable API connections to payroll accounts that enables income & employment verification, direct deposit switching, and more.

AlphaLoops is an AI-driven platform designed to automate and enhance various processes within the investment management industry. By leveraging advanced data synthesis and modeling technologies, AlphaLoops transforms complex datasets into actionable insights, enabling financial professionals to make informed decisions and improve investment performance.

Argyle is the payroll connectivity platform for modern financial services. We provide fast, cost-effective, consumer-permissioned access to the most trusted network for real-time income and employment data. With Argyle, businesses automate verifications and background checks, fund accounts, switch direct deposits, calculate premiums, advance wages, and build more exceptional experiences for their customers. Founded in 2018, Argyle’s coverage of U.S. consumers is superior to the three largest credit bureaus and delivers hit rates 4 to 5x higher than all other data providers at a fraction of the cost.

Bem is an AI-powered data interface designed to transform unstructured data—such as emails, PDFs, spreadsheets, and more—into structured, application-ready formats. By automating data conversion processes, Bem enables engineering teams to focus on core product development without the burden of manual data integration tasks.