plaid-fintech
Integrate Plaid API for Banking Data and Payments
Building fintech apps requires secure Plaid API integration patterns. This skill provides proven approaches for Link token flows, transaction sync, webhook handling, and compliance requirements.
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اختبرها
استخدام "plaid-fintech". User wants to implement Plaid Link token creation
النتيجة المتوقعة:
Generate server-side endpoint code for /create_link_token with proper product configuration (auth, transactions, identity), client-side Plaid Link initialization with the returned token, and callback handler for public_token exchange
استخدام "plaid-fintech". Handle ITEM_LOGIN_REQUIRED error during transaction fetch
النتيجة المتوقعة:
Detect ITEM_LOGIN_REQUIRED in API response, flag the user account as needing re-authentication, surface the update_link token to client, and guide user through Link update mode without losing historical data
التدقيق الأمني
آمنStatic analyzer flagged 5 patterns as potential security issues, but all are false positives. The 'weak cryptographic algorithm' matches are triggered by the word 'verification' in documentation text describing Plaid API features. The 'system reconnaissance' matches are triggered by 'link_token' which is a legitimate Plaid API concept for OAuth-style bank connections. This skill contains only documentation with no executable code, making it safe for publication.
درجة الجودة
ماذا يمكنك بناءه
Fintech Startup Onboarding
A developer building a personal finance app needs to connect user bank accounts securely. Use this skill to implement the Link token flow and handle authentication errors gracefully.
Payment Application Integration
An e-commerce platform wants to enable ACH payments. Use this skill to implement Auth verification and handle ITEM_LOGIN_REQUIRED errors during payment setup.
Transaction Analysis Tool
A budgeting app needs efficient transaction syncing without redundant API calls. Use this skill to implement /transactions/sync and webhook-based updates instead of polling.
جرّب هذه الموجهات
I need to implement Plaid Link in my app. Show me the flow for creating a link_token server-side, presenting it to users, and exchanging the public_token for an access_token.
Help me implement efficient transaction fetching using /transactions/sync instead of /transactions/get. Show how to handle the cursor for incremental updates and detect when full refresh is needed.
Design a webhook handler for Plaid webhooks. Focus on ITEM_LOGIN_REQUIRED and PENDING_DISCONNECT events. Show how to notify users proactively and guide them through update mode.
Create a comprehensive error handling strategy for Plaid API integration. Cover Item errors, API errors, and user-facing messages. Include retry logic and when to prompt users to re-link accounts.
أفضل الممارسات
- Store access_tokens encrypted at rest using platform key management services
- Use webhooks for real-time updates instead of polling to reduce API calls
- Handle PENDING_DISCONNECT webhooks proactively to minimize user friction
تجنب
- Storing access tokens in plain text or client-side storage
- Polling /transactions/get repeatedly instead of using /transactions/sync with webhooks
- Ignoring Item errors which can lead to stale data and broken user experiences