# Plaid Fintech

> Create a linktoken for Plaid Link, exchange publictoken for accesstoken. Link tokens are short-lived, one-time use. Access tokens don't expire but may need updating when users change passwords.

- Skill: `nimoqup046-collab/plaid-fintech` (Agent Skill)
- Install (CLI): `npx skillmds add nimoqup046-collab/plaid-fintech`
- Raw SKILL.md: https://api.skillmd.com/api/skills/nimoqup046-collab/plaid-fintech/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: nimoqup046-collab (https://skillmd.com/u/nimoqup046-collab)
- Updated: 2026-09-08
- Page: https://skillmd.com/skills/nimoqup046-collab/plaid-fintech

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# 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.