Plaid

AI and automation are fueling the next wave of scams and exploiting blind spots that no single company can catch on its own. It is why today’s biggest fraud challenges remain so difficult to solve. That’s why we created Plaid Protect 🛡️ By drawing on fraud signals across a billion devices in the Plaid network, Protect reveals the patterns fraudsters think they can hide.  From first click to ongoing account activity, our adaptive ML Protect Trust Index surfaces threats the moment they emerge. 🔗 Learn more and join the waitlist: https://pla.id/3IV7jbj

This summer has been heating up! From new partnerships for credit decisioning to updated tools using AI and link analytics—even a new teammate named Bill. Take a look at all the news that’s fit to cover in this month’s July newsletter ⬇️

🎙️Listen up! On this week’s episode of Breaking Banks Fintech Podcast, Michelle (Boros) Young, Credit Product Lead at Plaid and Ashley Knight, SVP of Product Management at Experian join host Brett King to talk about the advantages of cash flow data and how together, we’re accelerating adoption to drive better outcomes for borrowers and lenders of all types. 🗣️Michelle & Ashley share why real-time data helps lenders keep up with innovation in the market and sharpen their understanding of a borrower’s ability to repay a loan. Plus, how they believe every mortgage lender will adopt cash flow data to remain competitive. Thanks to Brett & the entire Breaking Banks team for bringing this conversation to life. 🤝 For more about the Plaid & Experian partnership, check out our partnership page: http://pla.id/3UrSLm3 🔗 Find the full episode: https://lnkd.in/e3Djb2Xd Or listen on your favorite podcast platform ⬇️

Lenders are just beginning to tap the potential of cash flow data. Most are just using it for second-look underwriting or thin-file borrowers—but there’s a much bigger opportunity ahead. This new Fintech Takes article breaks down: ✔️ Where lenders are seeing real ROI today ✔️ Why costs and friction are dropping ✔️ What’s next for cash flow data If you're only using cash flow data to pick the low-hanging fruit, it’s time to look further up the tree. 👉 https://bit.ly/3IseR5p

This list is really making a statement 📃 We’re proud to be recognized for another year on CNBC's World Top Fintech Companies of 2025, alongside customers and partners like Airwallex, Bluevine, Brex and Coinbase, among others who are helping to shape the future of finance. In the last year we’ve introduced new ways to fight fraud with tools like Plaid Protect, develop smarter with a new MCP servers and AI integration, find more qualified borrowers and credit partners through our expanded ecosystem, and more. We’re excited to continue to innovate the future of finance, and help people improve their financial lives. For the full list: https://lnkd.in/gwdjYkqU

What do you do after a $5.3B deal falls apart? Zachary Perret had to find out. On this week’s Grit, the Plaid co-founder and CEO talks about walking away from the $5.3B Visa acquisition, and how Plaid rebuilt trust after “unselling” to Visa. He breaks down why he believes every job will soon be AI-enabled (or obsolete) and what it means to be proud of how far you’ve come—without ever being satisfied. Watch the full episode on YouTube and listen on your favorite podcast platform ⬇️

This story is living *rent-free* in our heads �� Proud to be apart of it ⬇️

We're proud to announce that MANTL is the first fintech to offer Plaid Layer, giving regional and community financial institutions access to the same instant digital onboarding experience that powers the most innovative neobanks. Through this first-of-its-kind integration, institutions can now offer: ⚡️ 1-minute account opening 📈 Up to 25% increase in conversion 🔒 A secure, scalable onboarding experience powered by MANTL and Plaid Layer’s instant identity data collection and account linking “MANTL is on a mission to empower regional and community banks and credit unions to compete with the likes of Chase and Chime,” said Benjamin Conant, co-founder and CTO of MANTL. “Giving the community banking space built-in access to this powerful technology is another way MANTL helps these institutions reclaim their competitive edge.” This integration reiterates MANTL’s commitment to innovation and deepens our long-standing partnership with Plaid. Today, over 100 MANTL customers already use Plaid solutions to streamline onboarding, and more than 680,000 accounts have been opened on MANTL using Plaid. Read more about the power of MANTL and Plaid Layer here: https://lnkd.in/eF_gqpKZ

This month we're sharing the insights & features to help you build 🛠️ Here’s what’s new and improved across Plaid’s product suite in July: ⚡ Transfer now supports instant pay-ins via Request for Payment (RfP) - allowing fast settlement any day of the week  🏠 New FCRA-compliant mortgage reports for faster, guideline-aligned lending decisions  📊 Link Analytics now breaks down conversion + errors by device, institution, and geo for deeper onboarding insights  📈 New fixed income + sector tags in Investments API for richer portfolio visibility  🤖 New AI Developer Toolkit - a kit to generate code, test with sandbox MCP, and move faster from dev to prod 🛡️ And introducing Plaid Protect, our most advanced fraud intelligence platform—fighting ATOs, synthetic IDs, and more Find all the releases: https://pla.id/463lB3f

58% of U.K. 🇬🇧 lending executives are less confident in traditional credit data than a year ago. Why is that? Find our from Plaid's Zak Lambert, Affirm's Alexander de Ràfols and N26's Ankur Sisodia. 🎧 listen to the 11:FS podcast https://lnkd.in/eQ87MMhk 📖 read the whitepaper https://pla.id/3GqMwM3