Overview
Plaid (plaid.com) is a bank connectivity and payments infrastructure company founded in 2013 in San Francisco. It links bank accounts, moves money account to account over instant rails and scores return risk, and it also offers identity verification for onboarding.
Payments and data - Plaid Transfer for instant A2A payments over RTP, FedNow and same-day ACH. - Plaid Signal, a return-risk engine that scores ACH payments before they settle. - Auth and Identity products for account and owner verification.
The source says it covers 12,000+ financial institutions across the United States, Canada, the United Kingdom and the EU, and calls it the de facto standard for bank-account linking and A2A deposits in the US and Canada.
Identity verification Plaid Identity Verification, formerly Cognito, runs non-document KYC using phone number and SSN, with document and selfie liveness as a fallback, sanctions and PEP screening, and a risk engine. The company states that US users can be verified in about 10 seconds.
Clients and terms Fintech, crypto, iGaming, lending, property tech and e-commerce are named, along with neobanks and PSPs for onboarding. Pricing is pay-as-you-go or an enterprise contract. The entity is Plaid Inc.
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