ruanmalvao-web/plaid-fintech
skills/plaid-fintech/SKILL.md
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. Use when: plaid, bank account linking, bank connection, ach, account aggregation.
development
Updated Apr 30, 2026
$ install --global
skillsauthnpx skillsauth add ruanmalvao-web/lp plaid-fintechInstall this skill globally with one command. Works with Claude Code, Cursor, and Windsurf.
Security Scan Results
3 of 9 scanners reported clean
Some scanners were skipped, did not run, or reported a non-clean status. Review each row below.
3
Scanners Passed
9
Scanners in report
Clean
TrivyContainer and dependency vulnerability scanner
95%
Clean
SemgrepStatic code analysis for vulnerabilities
95%
Clean
mcp-scan (Snyk)Model Context Protocol security validation
95%
Skipped
Snyk (dep)Open source security scanning
50%
Skipped
Socket.devSupply chain security analysis
50%
Skipped
VirusTotalMulti-engine malware detection
50%
Skipped
CrowdStrikeAdvanced threat intelligence
50%
Skipped
OSV-ScannerOpen Source Vulnerability database check
50%
Skipped
OWASP Dep-Check
50%
Last scanned: May 1, 2026, 4:41 AM45.6s1 file scanned
SKILL.md
- name:
- plaid-fintech
- description:
- 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. Use when: plaid, bank account linking, bank connection, ach, account aggregation.
- source:
- vibeship-spawner-skills (Apache 2.0)
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 |
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