# Plaid Fintech

> 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.

- Skill: `dokhacgiakhoa/plaid-fintech` (Agent Skill, multi-file: 7 files)
- Install (CLI): `npx skillmds add dokhacgiakhoa/plaid-fintech`
- Raw SKILL.md: https://api.skillmd.com/api/skills/dokhacgiakhoa/plaid-fintech/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- Author: Dokhacgiakhoa (https://skillmd.com/u/dokhacgiakhoa)
- Updated: 2026-08-19
- Page: https://skillmd.com/skills/dokhacgiakhoa/plaid-fintech

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# Plaid Fintech

## Patterns

## 🧠 Knowledge Modules (Fractal Skills)

### 1. [Link Token Creation and Exchange](./sub-skills/link-token-creation-and-exchange.md)
### 2. [Transactions Sync](./sub-skills/transactions-sync.md)
### 3. [Item Error Handling and Update Mode](./sub-skills/item-error-handling-and-update-mode.md)
### 4. [❌ Storing Access Tokens in Plain Text](./sub-skills/storing-access-tokens-in-plain-text.md)
### 5. [❌ Polling Instead of Webhooks](./sub-skills/polling-instead-of-webhooks.md)
### 6. [❌ Ignoring Item Errors](./sub-skills/ignoring-item-errors.md)