Plaid Fintech

# 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 |