{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"f08c30b3-97c2-490f-9435-e62fcadbe4ee","name":"Plaid API Documentation","description":"# **Introduction**\n\nThe **Plaid API** bridges the gap between financial data and applications, enabling you to securely connect user bank accounts and access financial insights. With endpoints designed for authentication, transactions, identity verification, account balances, and more, it supports creating seamless fintech experiences. Plaid’s tools help you retrieve real-time account data, initiate transfers, and evaluate financial risks, making it a versatile solution for building apps like budgeting tools, payment platforms, or loan underwriting systems.\n\nWhether you’re testing in the Sandbox environment or launching in Production, Plaid simplifies integration with user-friendly documentation and SDKs.\n\nBelow is an overview.\n\n---\n\n1. **Link Endpoints** manage public tokens to securely link user accounts. They include sandbox testing options for simulating account linking.\n    \n2. **Institution Endpoints** gives access to information about financial institutions supported by Plaid, including metadata and search capabilities, to enable dynamic institution selection for users.\n    \n3. **Accounts Endpoints** retrieves detailed account information, such as balances, ownership details, and account numbers. These endpoints are foundational for financial planning and payment applications.\n    \n4. **Transactions Endpoints** helps you fetch transaction history and insights for budgeting tools, fraud detection systems, and financial analysis software.\n    \n5. **Identity Endpoints** verifies user identity and retrieve account holder information, including advanced features like document uploads for additional verification.\n    \n6. **Auth Endpoints** obtains ACH routing and account numbers for payment processing. These endpoints support secure transfers and event tracking.\n    \n7. **Transfer Endpoints** handles ACH transfers, including initiating, managing, and tracking transfers. Event synchronization and reporting are supported for real-time monitoring and troubleshooting.\n    \n8. **Balance Endpoints** retrieves up-to-date balances for linked accounts, useful for payment validations and ensuring sufficient funds for transactions.\n    \n9. **Signal Endpoints** focus on fraud detection and prevention, these endpoints evaluate transaction risks, report decisions, and manage return 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