Plaid Fintech

This covers the core Plaid integration patterns you need for linking bank accounts and pulling financial data. It walks through Link token flows, the transactions sync API (which beats the old get endpoint), and proper webhook handling for real-time updates instead of naive polling. The anti-patterns call out common mistakes like storing access tokens in plain text and ignoring item errors when users change their passwords. The sharp edges table is unfortunately light on specifics, but the patterns themselves are solid for anyone building account aggregation, ACH payments, or identity verification features on top of Plaid's API.

skills.sh installs: 204
GitHub stars: 33.2K
last updated: Aug 21, 2026

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Install

$ npx -y skills add davila7/claude-code-templates --skill plaid-fintech --agent claude-code

Installs into .claude/skills of the current project.

Files

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.