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...
SKILL.md
Full skill instructions
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.
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AGI Framework Integration
Adapted for @techwavedev/agi-agent-kit Original source: antigravity-awesome-skills
Memory-First Protocol
Retrieve prior agent configurations, team compositions, and orchestration patterns. Critical for multi-agent system consistency.
# Check for prior AI agent orchestration context before starting
python3 execution/memory_manager.py auto --query "agent patterns and orchestration strategies for Plaid Fintech"
Storing Results
After completing work, store AI agent orchestration decisions for future sessions:
python3 execution/memory_manager.py store \
--content "Agent pattern: hierarchical orchestration with Control Tower dispatcher, 3 specialist sub-agents" \
--type decision --project <project> \
--tags plaid-fintech ai-agents
Multi-Agent Collaboration
This skill is inherently multi-agent. Use cross-agent context to coordinate task distribution and avoid duplicate work.
python3 execution/cross_agent_context.py store \
--agent "<your-agent>" \
--action "Agent architecture designed — Control Tower + specialist agents with shared Qdrant memory" \
--project <project>
Control Tower Integration
Register agents and tasks with the Control Tower (execution/control_tower.py) for centralized orchestration across machines and LLM providers.
Blockchain Identity
Each agent has a cryptographic Ed25519 identity. All memory writes are signed — enabling trust verification in multi-agent systems.
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