what bank is paypal on plaid is the key to unlocking a smoother financial life, and we’re diving deep into how this connection works. Think of Plaid as the ultimate wingman for your money, making it super easy to link your PayPal to all sorts of cool apps without the usual hassle.
This isn’t just about connecting accounts; it’s about understanding the seamless flow of your financial data, how Plaid acts as the bridge, and the benefits you get when your PayPal is linked through this powerful network. We’ll break down the tech, the user experience, and why this integration is a game-changer in the world of finance.
Understanding the Relationship Between PayPal and Plaid
Yo, so like, you wanna know how PayPal and Plaid even vibe together? It’s kinda like they’re besties for your money, making it easier to connect your PayPal account to all those other cool apps you use. Think of Plaid as the ultimate wingman, helping your PayPal make new friends in the financial world, so you can do more stuff without all the hassle.Plaid is basically the bridge that lets your PayPal talk to other financial apps.
When you link your PayPal through Plaid, it’s like giving Plaid permission to securely access your PayPal info. This means you can do things like transfer money from your PayPal to a budgeting app or use your PayPal balance to pay for stuff on a new platform, all without jumping through a million hoops. Plaid handles all the complicated handshake stuff in the background, keeping your data safe and sound.
Plaid’s Role in Connecting PayPal
Plaid’s main gig is to make it super easy and secure for users to connect their bank accounts and financial services. When it comes to PayPal, Plaid acts as an intermediary. It uses secure APIs (that’s like a secret handshake for computers) to let other apps access your PayPal data with your permission. This means you don’t have to manually enter your PayPal login details into every single app, which is a major win for security and convenience.
Plaid just confirms it’s really you and then gives the app the green light to connect.
How Plaid Facilitates PayPal Account Linking
So, how does this magic happen? When you’re in an app and want to link your PayPal, you’ll usually see an option to connect via Plaid. You pick PayPal, and Plaid takes over. It’ll prompt you to log in to your PayPal account directly on a secure Plaid page. Once you’re logged in and approve the connection, Plaid gets a token (like a temporary digital key) that represents your authorized access.
This token is then used by the app to interact with your PayPal account, whether it’s to view your balance, make transactions, or transfer funds. It’s all about making it smooth, like a skater hitting a perfect ramp.
Primary Purpose of Plaid’s Integration with PayPal
The main reason Plaid hooks up with PayPal is to unlock a whole new level of financial integration for users. Before Plaid, connecting PayPal to other services could be a headache, often requiring clunky workarounds. Plaid’s integration means you can seamlessly use your PayPal balance or link it to apps for budgeting, investing, or even peer-to-peer payments. The ultimate goal is to give you more control and flexibility over your money, making your financial life way more streamlined and less of a drag.
Benefits of Connecting PayPal via Plaid
Connecting your PayPal through Plaid seriously levels up your financial game. You get a bunch of perks, and it’s not just for show. Here are some of the dope benefits you’ll be scoring:
- Enhanced Convenience: No more manually typing in your PayPal details everywhere. Plaid does the heavy lifting, so you can link up in seconds.
- Streamlined Transactions: Easily transfer funds or pay for things using your PayPal balance across various platforms without a fuss.
- Better Financial Management: Connect your PayPal to budgeting apps to get a clearer picture of your spending and income all in one place.
- Increased Security: Plaid uses advanced encryption and security protocols, so your sensitive PayPal information is protected. You’re not giving your login details directly to every app.
- Access to More Services: Opens the door to a wider range of financial tools and services that can leverage your PayPal account.
Imagine you’re trying to use a new investment app, and it asks how you wanna fund it. Instead of digging out your bank details, you just hit “Connect PayPal,” and Plaid makes it happen. Boom! Your money’s ready to go. It’s like having a VIP pass to your own finances.
Identifying Which Banks Support PayPal Through Plaid
Yo, so you wanna connect your PayPal to your bank account using Plaid, right? It’s like, the easiest way to move your cash around, no cap. But not all banks are down with this tech party. Plaid’s got this whole network of banks they work with, and that’s how your PayPal gets to see your bank account. It’s all about making sure your money moves smooth and safe, like a pro skater hitting a clean trick.Plaid basically acts as the middleman, making sure your bank and PayPal can chat without spilling all your sensitive info.
Hey kito! So, about what bank PayPal uses on Plaid, it’s pretty straightforward. But if you’re wondering, is citizens bank in trouble ? That’s a different story! After checking that out, we can get back to understanding how PayPal connects with banks through Plaid. Simple as that, yeee!
Think of it like a secure handshake between your money and your digital wallet. So, to get this party started, your bank needs to be on Plaid’s guest list.
Types of Financial Institutions Supporting PayPal Via Plaid
Generally, the banks that play nice with Plaid for PayPal integration are the big dogs and the trendy ones. We’re talking about major national banks that have been around forever, plus a bunch of those slick online banks and credit unions that are popping up everywhere. They’re usually the ones who are all about embracing new tech to make things easier for their customers.
Determining Specific Bank Compatibility
Figuring out ifyour* bank is on Plaid’s VIP list is not rocket science, dude. Plaid makes it pretty chill to check. When you’re setting up your PayPal account or trying to link your bank for the first time, Plaid will usually prompt you to search for your bank. If your bank’s name pops up in their search results, then boom, you’re good to go.
It’s like checking the playlist before you hit the dance floor.
Common Banking Categories Integrated with Plaid
Most of the major players are usually in. This includes:
- Large National Banks: Think Chase, Bank of America, Wells Fargo – the OG banks that everyone knows.
- Major Regional Banks: These are big banks that might be dominant in certain parts of the country.
- Online-Only Banks: Companies like Ally Bank, Chime, and Varo are usually on board because they’re built on tech.
- Credit Unions: Many larger credit unions also partner with Plaid to offer modern banking services.
- Neobanks: These are the super-new, app-based banks that are all about digital convenience.
These categories cover a massive chunk of people’s banking needs, so chances are, your bank is somewhere in this mix.
Typical Process to Check Bank Compatibility
Here’s the lowdown on how you’d usually check if your bank is compatible:
- Start the Linking Process: When you’re in PayPal, go to the section where you add a bank account.
- Search for Your Bank: You’ll see a search bar. Type in the name of your bank.
- Check the Results: If your bank’s name appears in the dropdown or list of suggestions, it means Plaid supports it for linking.
- Select and Proceed: If it’s there, click on your bank and follow the on-screen prompts to log in to your bank account securely through Plaid.
If your bank doesn’t show up, it means Plaid hasn’t integrated with them yet, and you might have to explore other options for linking your funds, like direct bank transfers if PayPal offers that.
The Technical Process of Linking PayPal via Plaid
Yo, so you wanna connect your PayPal account to some cool app using Plaid? It’s not rocket science, but it’s def a slick process that keeps your cash safe. Think of Plaid as the ultimate wingman, making sure your financial deets get to where they need to go without any drama.Basically, when you link PayPal through Plaid, you’re not just handing over your login info willy-nilly.
Plaid acts as a secure bridge, using some seriously advanced tech to make sure everything is legit. It’s all about smooth sailing and keeping your sensitive data locked down tighter than a vault.
Step-by-Step Procedure for Connecting a PayPal Account
Linking your PayPal to a third-party app via Plaid is pretty straightforward, like ordering your fave boba. You’ll see a button or a prompt in the app asking you to connect your PayPal. Tapping that kicks off the Plaid flow.Here’s the lowdown on how it goes down:
- The app you’re using will initiate a Plaid Link module. This is basically Plaid’s user interface that pops up.
- You’ll then be prompted to select PayPal as your financial institution.
- Next, you’ll enter your PayPal login credentials directly into the Plaid Link module. Plaid handles this input securely, so the app you’re using never sees your actual password.
- Plaid will then present you with an authorization screen, asking for your permission to access specific data from your PayPal account. This might include your transaction history or account balance, depending on what the app needs.
- Once you grant permission, Plaid securely fetches the requested information from PayPal.
- Finally, Plaid sends this authorized data back to the third-party app, allowing it to function with your PayPal account information.
Security Measures During Plaid Authentication for PayPal
Plaid doesn’t mess around when it comes to security. They’ve got layers of protection that make sure your financial info stays yours. It’s like having a digital bodyguard for your money.The authentication process uses some top-tier security protocols to keep things locked down:
- Encryption: All data exchanged between your device, Plaid, and PayPal is encrypted using industry-standard protocols like TLS/SSL. This means it’s scrambled and unreadable to anyone trying to snoop.
- Tokenization: Instead of directly sharing your PayPal credentials, Plaid uses tokens. These are like secret codes that represent your account access without revealing your actual login details. If a token were ever compromised, it would be useless without the original credentials.
- OAuth (when applicable): For certain connections, Plaid might leverage OAuth, a standard authorization framework. This allows you to grant specific permissions to an app without sharing your password at all, further enhancing security.
- Multi-Factor Authentication (MFA): If PayPal itself requires MFA (like a code sent to your phone), Plaid will facilitate this process, ensuring an extra layer of verification is met.
- Regular Security Audits: Plaid undergoes frequent security audits and adheres to strict compliance standards to maintain the highest level of data protection.
The Role of Plaid’s API in Enabling This Connection
Plaid’s Application Programming Interface, or API, is the secret sauce that makes all this happen. It’s the set of rules and protocols that allows different software systems to talk to each other. Think of it as a universal translator for financial data.The Plaid API is crucial because it:
- Provides a standardized way for developers to integrate financial data into their applications. Without it, each app would have to build custom connections to every bank and service, which is a massive headache.
- Handles the complex process of connecting to various financial institutions, including PayPal, abstracting away the technical difficulties for app developers.
- Manages the secure transmission of data, ensuring that only authorized information is shared between parties.
- Allows for the retrieval of specific data points (like transactions, balances, or identity information) based on the permissions granted by the user.
Essentially, Plaid’s API is the bridge that allows your bank (or in this case, PayPal) and the app you’re using to communicate securely and efficiently.
“Plaid’s API acts as a secure conduit, enabling seamless and protected data exchange between financial institutions and third-party applications.”
Data Flow from Bank, Through Plaid, to PayPal and Connected Application
Let’s trace the journey of your data when you link PayPal via Plaid. It’s a well-orchestrated flow designed for speed and security.Here’s how the data typically moves:
- User Initiates Connection: You, the user, decide to link your PayPal account to a third-party app.
- App Requests Plaid Integration: The app uses Plaid’s SDK to trigger the Plaid Link interface.
- User Authenticates with PayPal via Plaid: You enter your PayPal credentials into the secure Plaid Link module. Plaid handles this authentication.
- Plaid Authorizes Access: Plaid obtains authorization from you to access specific data from your PayPal account.
- Plaid Fetches Data from PayPal: Using its secure connection to PayPal’s systems, Plaid retrieves the authorized data.
- Plaid Processes and Secures Data: Plaid processes this data, often tokenizing it for added security.
- Plaid Transmits Data to the App: Plaid securely sends the processed and authorized data to the third-party application via its API.
- App Utilizes Data: The third-party app now has the necessary PayPal account information to provide its services to you.
This entire process ensures that your sensitive financial information is handled with the utmost care, minimizing risks and maximizing convenience. It’s like a digital relay race, but with way more security checkpoints.
User Experience and Troubleshooting PayPal-Plaid Connections
Yo, so linking your PayPal account to stuff using Plaid? It’s usually smooth sailing, like finding the best boba place in town. But sometimes, even the dopest tech hits a snag. We’re gonna break down how it all feels for you, what might go sideways, and how to fix it, so you can keep your money game strong.Linking PayPal through Plaid is all about making your financial life simpler.
Think of it as a universal key that unlocks your PayPal funds for other apps and services without you having to spill all your sensitive info everywhere. It’s supposed to be quick, secure, and, most importantly, painless.
Common User Scenarios for PayPal-Plaid Integration
People are linking their PayPal via Plaid for all sorts of legit reasons, making their daily grind way easier. It’s like having a cheat code for managing your money across different platforms.Here are some typical ways users are flexing this connection:
- Budgeting Apps: Users connect their PayPal to apps like Mint or YNAB to get a full picture of their spending, including money that flows through PayPal. This helps them track where their cash is going, especially if they use PayPal for online shopping or receiving payments.
- Investment Platforms: Some fintech apps allow users to fund their investment accounts directly from their PayPal balance. Plaid acts as the secure bridge, making it super fast to deposit funds and start investing.
- Payment Services: Linking PayPal to other payment services can streamline transactions. For instance, if a user wants to send money from their PayPal balance through a different P2P app, Plaid can facilitate this.
- Bill Payment Aggregators: Some services help you manage all your bills in one place. Linking PayPal means you can use your PayPal balance or linked bank accounts to pay these bills effortlessly.
- E-commerce Integrations: While less common for direct linking by the end-user, businesses might use Plaid to integrate PayPal as a payment option for their customers, which indirectly benefits users by offering more payment choices.
Potential Issues in Linking PayPal via Plaid
Even with the best intentions, tech can be moody. Users might run into a few bumps when trying to connect their PayPal account through Plaid. These issues usually aren’t game-enders, but they can be annoying if you’re in a hurry.Here are some common headaches users face:
- Authentication Failures: This is when Plaid can’t verify your PayPal login details. It could be a typo, a forgotten password, or even PayPal’s security systems flagging the connection attempt.
- MFA Challenges: PayPal often uses Multi-Factor Authentication (MFA) for extra security. If the MFA prompt doesn’t appear or you can’t complete it in time, the link will fail. This is a security feature, but it can be a roadblock.
- Account Restrictions: Sometimes, your PayPal account might have certain restrictions in place that prevent it from being linked to third-party apps through Plaid. This could be due to account activity or specific PayPal policies.
- Plaid’s Inability to Fetch Data: Even if the initial link is successful, Plaid might sometimes struggle to pull transaction data or balance information from your PayPal account. This can be due to API changes or temporary glitches on either side.
- Outdated App Versions: The app you’re trying to link PayPal to, or even Plaid Link itself, might be outdated, causing compatibility issues.
Methods for Resolving Common Connection Errors
Don’t sweat it if you hit a snag. Most of these PayPal-Plaid connection issues can be sorted out with a few simple steps. It’s all about being patient and trying the usual tech fixes.Here’s how to tackle those connection errors:
- Double-Check Credentials: The most basic fix is to ensure you’re entering your PayPal username and password
-exactly* correctly. One wrong character can mess everything up. - Complete MFA Prompt: If a multi-factor authentication request pops up, act fast! Make sure you have your phone or authenticator app ready. If you miss it, try initiating the link again.
- Review PayPal Account Settings: Log in directly to your PayPal account and check for any security alerts or settings that might be blocking third-party access. You might need to grant specific permissions.
- Update Apps: Make sure the app you’re using to link your PayPal account, as well as the Plaid Link module (if you’re interacting with it directly), are updated to their latest versions.
- Clear Cache and Cookies: For web-based linking, clearing your browser’s cache and cookies can sometimes resolve stubborn issues.
- Restart the Linking Process: Sometimes, just starting over from scratch can work wonders. Close the app or browser tab and try linking your PayPal account again.
- Contact Support: If all else fails, don’t hesitate to reach out to the support team of the app you’re using, or Plaid’s support if the issue seems broader. They can offer specific guidance.
Typical User Journey: Linking PayPal Through Plaid
Imagine you’re trying to link your PayPal to a new budgeting app. Here’s how that usually goes down, step-by-step. It’s a pretty standard flow designed to be as chill as possible.
| Step | Action | Description |
|---|---|---|
| 1 | Initiate Link | You open the budgeting app and tap the “Link Account” or “Connect PayPal” button. |
| 2 | Select Institution | The app prompts you to choose your financial institution. You search for and select “PayPal”. |
| 3 | Plaid Link Appears | Plaid’s interface (Plaid Link) pops up, asking for your PayPal login credentials. |
| 4 | Enter Credentials | You carefully type in your PayPal email and password. |
| 5 | Multi-Factor Authentication (MFA) | If prompted, you complete the MFA step (e.g., code from SMS, authenticator app). |
| 6 | Account Selection | Plaid might ask you to select which PayPal account or balances you want to link if you have multiple. |
| 7 | Grant Permissions | You confirm and grant the budgeting app permission to access your PayPal data (e.g., view transactions, balances). |
| 8 | Link Success | The budgeting app confirms that your PayPal account is successfully linked and starts fetching your data. |
| 9 | Data Sync | The app displays your PayPal transactions and balance, integrating them into your overall financial overview. |
Financial Institutions and Plaid’s Network
Yo, so Plaid ain’t just some random app, it’s like the OG connector for your money stuff. Think of it as the ultimate wingman that links up tons of banks and fintech joints so you can move your cash around without the drama. When it comes to PayPal and Plaid, this network is super clutch ’cause it means more people can actually link their PayPal to their bank accounts, no cap.
It’s all about making that financial life smooth, you know?Plaid’s network is legit massive, covering a crazy number of banks, credit unions, and newer fintech platforms. This means that whether you’re rocking with a big-name bank or a cool new app, there’s a high chance Plaid can bridge the gap to your PayPal account. It’s not just about quantity, though; it’s about making sure the connection is solid and works for everyone, from your grandma’s savings account to your own hustle money.
Breadth of Plaid’s Supported Financial Institutions
Plaid’s got its fingers in pretty much every financial pie out there. We’re talking about thousands of financial institutions across the US, Canada, and even parts of Europe. This includes the biggest national banks, regional banks that are more low-key, and credit unions that are all about community. Plus, they’re constantly adding more, especially those trendy fintech companies that are popping up everywhere.
This extensive reach is what makes linking PayPal via Plaid a reality for a massive chunk of users, cutting down on those “account not supported” headaches.
Advantages for Financial Institutions in Plaid’s Network for PayPal Integrations
For banks and financial institutions, hopping on the Plaid train for PayPal integrations is a total win-win. First off, it opens up a direct channel for their customers to use PayPal, which is basically a necessity these days. This means more engagement and less churn because their customers can do what they want with their money without leaving the bank’s ecosystem.
It also slashes down on the costs and complexities of building and maintaining their own direct integrations with PayPal, which is a major flex. Plus, being part of Plaid’s network shows they’re forward-thinking and ready to embrace the digital finance world, attracting younger, tech-savvy customers.
Integration Process for Traditional Banks Versus Newer Fintech Platforms with Plaid
The way traditional banks and newer fintech platforms integrate with Plaid can differ a bit, mainly due to their existing infrastructure and speed of innovation.
| Aspect | Traditional Banks | Newer Fintech Platforms |
|---|---|---|
| Infrastructure | Often have legacy systems that might require more effort to adapt to Plaid’s APIs. Integration can be a longer, more phased process. | Built with modern, API-first architectures, making integration with Plaid typically faster and more seamless. |
| Development Speed | Integration timelines can be extended due to internal processes, compliance checks, and the need to coordinate with multiple departments. | Agile development cycles allow for quicker integration, often seeing new features and partnerships rolled out rapidly. |
| Focus | May prioritize security and stability, sometimes at the expense of rapid feature deployment. | Often focused on user experience and rapid feature deployment, with security as a core, integrated component from the start. |
| Plaid’s Role | Plaid acts as a bridge, abstracting away much of the complexity of connecting to diverse legacy systems. | Plaid often enhances existing API capabilities, providing additional layers of security, data enrichment, and simplified user onboarding. |
Plaid’s Data Privacy and Security Measures Across Its Network
Plaid takes data privacy and security super seriously, and it’s a big reason why so many institutions trust them. They’re not just some fly-by-night operation; they’re audited regularly and adhere to strict industry standards.Here’s the lowdown on how they keep things locked down:
- Encryption: All the data that travels between your bank, Plaid, and PayPal is encrypted. This means even if someone tried to snoop, they’d just see gibberish.
- Tokenization: Instead of storing your actual bank login credentials, Plaid uses tokens. Think of these tokens as temporary, secure keys that grant access for specific actions, without ever exposing your sensitive info.
- Access Control: Plaid only gets the data it needs to facilitate the connection, and access is limited. They don’t just grab everything; it’s a need-to-know basis.
- Regular Audits and Compliance: Plaid undergoes rigorous security audits by independent third parties to ensure they’re meeting and exceeding security benchmarks. They’re compliant with major regulations like GDPR and CCPA.
- Secure Infrastructure: Their own systems are built with multiple layers of security to protect the data they handle, employing best practices in cybersecurity.
This multi-layered approach ensures that when you link your PayPal via Plaid, your financial data is protected from prying eyes and malicious actors, making the whole process feel safe and sound.
The Role of Plaid in Modern Financial Services: What Bank Is Paypal On Plaid
Yo, so Plaid ain’t just some random tech bro thing; it’s like the ultimate connector for all your money apps. Think of it as the backstage pass that lets your favorite finance tools talk to your bank and, yeah, even your PayPal account, without all the messy drama. It’s basically making it super easy for you to manage your cash, check your spending, and basically be on top of your financial game, all from one spot.Plaid’s whole vibe is about making financial data accessible, like unlocking a vault so your apps can get the deets they need.
This means less manual typing and more smooth sailing when you’re trying to, say, link your PayPal to a new budgeting app or a cool investment platform. It’s all about giving you control and making your money life less of a headache.
Plaid as an Intermediary for Financial Services, What bank is paypal on plaid
So, how does Plaid actually work its magic? It’s the go-between, the translator, the dude in the middle connecting different financial worlds. When you wanna link your PayPal to, let’s say, a gig economy app that pays you out, Plaid is the one that makes sure that connection is secure and legit. It’s not just for PayPal, though; Plaid hooks up with tons of banks and financial institutions, letting apps pull your transaction history, account balances, and other crucial info.
This makes it possible for apps to offer features like instant payments, personalized financial advice, and streamlined expense tracking, all powered by your actual financial data.
Impact of Plaid on Financial Data Accessibility
Before Plaid, getting your financial data into an app was a whole production. You’d be digging out your bank statements, typing in account numbers, and hoping you didn’t mess it up. Plaid flips that script. Now, with a few clicks, you can grant secure access to your financial info, opening up a world of possibilities for apps to serve you better.
This means more personalized experiences and the ability to make smarter financial decisions because your data is actually working for you, not hidden away.
Applications Leveraging Plaid for PayPal Account Linking
You’ll find Plaid popping up in a bunch of apps you probably already use, especially when they need to tap into your PayPal. Think about budgeting apps like Mint or YNAB – they’ll use Plaid to pull in your PayPal transactions so you can see all your spending in one place. Then there are investment apps, like Robinhood or Acorns, that might use Plaid to link your PayPal as a funding source.
Even some peer-to-peer payment apps or platforms for freelancers might use Plaid to connect to your PayPal for easier payouts. It’s all about convenience and making sure your money moves smoothly between different services.
Scenario: Budgeting App Connected to PayPal via Plaid
Picture this: You’re trying to get your spending under control, and you’ve downloaded this slick budgeting app, let’s call it “CashFlow Commander.” You’ve got a bunch of your side hustle earnings and online purchases going through PayPal. So, when you open CashFlow Commander, it prompts you to link your accounts. You choose PayPal, and it brings up the Plaid login screen.
You punch in your PayPal credentials – the same ones you always use – and Plaid handles the secure handshake in the background. Bam! Instantly, CashFlow Commander starts showing all your PayPal transactions, categorized and ready for you to analyze. You can see that impulse buy from that online store last week, or how much you’ve spent on streaming services this month, all without ever leaving the app.
It makes tracking your money feel less like a chore and more like a superpower.
End of Discussion
So, to wrap it up, understanding what bank is paypal on plaid isn’t just a techy detail; it’s about empowering yourself with a more connected and efficient financial ecosystem. Plaid’s role as a secure intermediary is revolutionizing how we interact with our money across different platforms, making everything from budgeting to investing more accessible and streamlined. It’s all about making your money work smarter for you, with less friction and more control.
FAQ Insights
Can I link my PayPal to any bank account using Plaid?
Plaid supports a vast network of banks, but it’s not every single one. Generally, most major and many smaller banks are integrated, but it’s always best to check Plaid’s official list or try the connection process directly to confirm compatibility with your specific bank.
Does Plaid charge me to link my PayPal?
Typically, users don’t pay a direct fee to Plaid for linking their PayPal account to a third-party app. The cost is usually absorbed by the app or service you’re connecting to, as they use Plaid’s services to enhance their features for you.
How often does Plaid update my PayPal information?
The frequency of data updates can vary depending on the specific integration and the app you’re using. Some connections might refresh in real-time, while others update periodically throughout the day or on a daily basis to ensure you have the most current information.
Is it safe to let Plaid access my PayPal account?
Yes, Plaid is designed with robust security measures, including encryption and secure authentication protocols. They act as a read-only service in many cases, meaning they don’t store your PayPal login credentials and prioritize data privacy and security throughout the connection process.
What if my bank isn’t supported by Plaid for PayPal linking?
If your bank isn’t directly supported for PayPal linking via Plaid, you might need to explore alternative methods. This could involve using PayPal’s direct integration features if available, or considering linking a different bank account that is supported by Plaid for your desired application.
