plaid

plaid is a skill for Claude Code, Codex from ashish7802/awesome-api-skills. It costs 0 tokens per session (498 once invoked), scanned A, original, MIT.

A service and software toolkit that lets an app connect to a user's bank account and read financial data, such as transactions.

In plain words
What is it for?
Use it to create bank-linking screens, exchange connection tokens securely, and retrieve transaction data from a backend.
Why use it?
It removes the need to build separate bank connections and account-login flows for every financial institution.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

Good fit Use it to create bank-linking screens, exchange connection tokens securely, and retrieve transaction data from a backend.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/ashish7802/awesome-api-skills/plaid
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add ashish7802/awesome-api-skills --skill plaid
Clone the repo
git clone --depth 1 https://github.com/ashish7802/awesome-api-skills

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for plaid

README.md
[![agentmods](https://agentmods.dev/badge/skills/ashish7802/awesome-api-skills/plaid.svg)](https://agentmods.dev/skills/ashish7802/awesome-api-skills/plaid)
Your own site
<a href="https://agentmods.dev/skills/ashish7802/awesome-api-skills/plaid"><img src="https://agentmods.dev/badge/skills/ashish7802/awesome-api-skills/plaid.svg" alt="Measured on agentmods" height="20"></a>
Per session 0 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 498 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe. Third-party audits
  • NVIDIA SkillSpector warn 7 Sept 2026
SkillSpector: 4 findings, up to high

These are SkillSpector’s own severities. On a checked sample its high-severity flags on skills were ~96% false positives — a documented command, a public API, a “never do X” rule — so we show them as a caution to read, not a verdict. Why →

  • high Privilege Escalation · line 17
    Code accesses credential files (SSH keys, AWS credentials, etc.). This could indicate credential theft attempts.
    Fix: Remove references to credential paths. Use environment variables or secrets managers. For docs, use placeholder paths (e.g., /path/to/config). Never load .env or token files in production code paths.
  • high Privilege Escalation · line 18
    Code accesses credential files (SSH keys, AWS credentials, etc.). This could indicate credential theft attempts.
    Fix: Remove references to credential paths. Use environment variables or secrets managers. For docs, use placeholder paths (e.g., /path/to/config). Never load .env or token files in production code paths.
  • high Privilege Escalation · line 23
    Code accesses credential files (SSH keys, AWS credentials, etc.). This could indicate credential theft attempts.
    Fix: Remove references to credential paths. Use environment variables or secrets managers. For docs, use placeholder paths (e.g., /path/to/config). Never load .env or token files in production code paths.
  • high Privilege Escalation · line 30
    Code accesses credential files (SSH keys, AWS credentials, etc.). This could indicate credential theft attempts.
    Fix: Remove references to credential paths. Use environment variables or secrets managers. For docs, use placeholder paths (e.g., /path/to/config). Never load .env or token files in production code paths.
How audits are shown
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00000 $0.00498
Opus 5 $0.00000 $0.00249
Sonnet 5 $0.00000 $0.00100
Haiku 4.5 $0.00000 $0.00050

Measured 4d ago against content hash 29846c252595, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-07, from the pricing page.

Security

Grade A, and why

plaid scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 4d ago.

The scan reads SKILL.md. This mod also ships 3 executable files (examples/example.py, examples/example.ts, tests/skill.test.ts), listed below but not scanned — reading those needs a real analyzer, not pattern matching.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/plaid/SKILL.md · 62 lines

How it starts

The opening of the file, as written. The whole thing — 62 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Plaid API Skill

Overview

Plaid connects users' bank accounts to apps. This skill focuses on Plaid Link flow and the plaid-node SDK to extract transaction data.

Installation

npm install plaid
pip install plaid-python

Authentication

Requires three keys: client_id, secret, and environment (sandbox, development, production). Secrets must never reach the client.

Core Concepts

  • Link Token: A short-lived token to initialize the client-side Plaid Link UI.
  • Public Token: Returned by Plaid Link, exchanged for an Access Token.
  • Access Token: The permanent token representing a connected bank item.

Common Workflows

  1. Create Link Token (Server).
  2. User completes Plaid Link (Client).
  3. Exchange Public Token for Access Token (Server).
  4. Fetch Transactions (Server).

Error Handling

Handle PlaidError. Pay close attention to ITEM_LOGIN_REQUIRED; it means the bank forces the user to re-authenticate via Plaid Link (Update mode).

Security

Store Access Tokens securely (encrypted at rest). Treat them with the same sensitivity as a user password.

Rate Limits

Transactions endpoints are heavily rate-limited to prevent abuse on banking infrastructure. Fetch data asynchronously using Plaid Webhooks instead of polling.

Best Practices

Rely exclusively on Webhooks (e.g., SYNC_UPDATES_AVAILABLE) to know when to call the Transactions Sync API.

Troubleshooting

If transactions are missing, ensure you are using the /transactions/sync endpoint (Cursor-based) rather than the legacy /transactions/get endpoint.

References

Why use this skill

Use this when your agent works with plaid — structured patterns beat pasted docs and prevent common hallucinations.

AI pitfalls

  • Inventing webhook event names not in the vendor catalog
  • Using secret keys in client-side or browser code
  • Skipping signature verification on webhook payloads

Production checklist

  • Webhook signatures verified on raw request body
  • Idempotency keys on mutating requests
  • Test and live keys isolated by environment

Read the full file on GitHub · 62 lines

Files

What ships with it

5 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 4d ago First seen · 62 lines · 0 tokens per session scan A 29846c252595

Subscribe to this mod's changes

plaid is a skill published in the GitHub repository ashish7802/awesome-api-skills (13 stars, last pushed 7d ago), licensed MIT. It costs nothing until one of its globs matches a file; then it loads 498 tokens. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.