Plaid fintech
Skill ulpi-io/plugin-marketplace/plugins/davila7/skills/plaid-fintech
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npx -y skills add ulpi-io/plugin-marketplace --skill plaid-fintechAssembled from the repository path, not quoted from the project. Check it against their README if it does not work.
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What its author says it does
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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...
SKILL.md
1.5 KB, 269 tokens by cl100k_base, as published. Nobody here has run it
Plaid Fintech
Patterns
Link Token Creation and Exchange
Create a link_token for Plaid Link, exchange public_token for access_token. Link tokens are short-lived, one-time use. Access tokens don't expire but may need updating when users change passwords.
Transactions Sync
Use /transactions/sync for incremental transaction updates. More efficient than /transactions/get. Handle webhooks for real-time updates instead of polling.
Item Error Handling and Update Mode
Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode. Listen for PENDING_DISCONNECT webhook to proactively prompt users.
Anti-Patterns
❌ Storing Access Tokens in Plain Text
❌ Polling Instead of Webhooks
❌ Ignoring Item Errors
⚠️ Sharp Edges
| Issue | Severity | Solution |
|---|---|---|
| Issue | critical | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
When to Use
This skill is applicable to execute the workflow or actions described in the overview.