{"id":"plaid-api","name":"Plaid API","af_score":79.0,"security_score":null,"reliability_score":null,"what_it_does":"Financial data network connecting apps to bank accounts for transaction retrieval, balance checking, account verification, and ACH payment initiation with OAuth-based bank linking.","best_when":"An agent needs to access bank account data or initiate ACH payments with user consent in a compliant way.","avoid_when":"You need real-time payment rails, international bank coverage, or can't handle the compliance requirements of financial data.","last_evaluated":"2026-03-01T09:50:06.082573+00:00"}