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ClaudeChatGPTPerplexityGeminiMicrosoft CopilotRaycastMeta AIGrokZ.aiQwenKimi
DeepSeekMistralCursorVS CodeWindsurfJetBrainsClineLovableVercel AI SDKLangChain

Use Plaid with your AI.

Connect your account once and let the AI you already use work with it, without building another integration. Ultimate Open Banking: balances, transactions, ML fraud logic, payroll, and asset verification.

Included with plan

Ask AI about this Connector

Developed, maintained, and hosted by Vinkius.

MCP VERIFIED · PRODUCTION READY · VINKIUS GUARANTEED

Waiting for input…

Works with modern AI clients that support MCP, including ChatGPT, Claude, Cursor, and more.

ChatGPTClaudeCursorPerplexityGeminiMicrosoft CopilotRaycastMeta AI

Complete set · 10 capabilities

The complete Plaid capability set.

These are the exact actions your AI can choose when you ask it to work with Plaid.

Capability set01 / 03

01-04

4 capabilities in this set.

Part of 10 available through Plaid.

  1. 01

    Create link token

    Required to connect bank accounts. Create a Plaid Link token for account connection

  2. 02

    Get balances

    Get real-time account balances

  3. 03

    Exchange public token

    Exchange a public token for an access token

  4. 04

    Get accounts

    List connected bank accounts

Capability set02 / 03

05-07

3 capabilities in this set.

Part of 10 available through Plaid.

  1. 05

    Get categories

    List transaction categories

  2. 06

    Get identity

    Get account holder identity

  3. 07

    Get institution

    Get bank institution details

Capability set03 / 03

08-10

3 capabilities in this set.

Part of 10 available through Plaid.

  1. 08

    Get item info

    Get connected item status

  2. 09

    Get transactions

    Get transaction history

  3. 10

    Search institutions

    Returns matching institutions with supported products. Search financial institutions

Observed, not estimated

963ms average. Fast in production.

Plaid is checked daily against the live service.

Daily averagePeak 1215ms
Aug 20Today
Fastest day
705ms
Slowest day
1215ms
14-day trend
Slowing+11%

Connect your client

One URL. Every client.

Activate the Connector, copy your link, and paste it into the client you already use. 10 capabilities arrive ready to run.

Preview access · not provider authentication

The vk_preview_* token belongs to Vinkius preview infrastructure. It lets Claude discover and display the capabilities of Plaid, so you can see the experience inside your AI.

It does not authenticate your account with Plaid. Actions requiring credentials or live account data may not run until you activate the Connector and authorize the service.

Plaid Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_OVpo1utRpHEAgSzg41MJhcxuyUvnOqpjqRNupmmW/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Plaid capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "plaid-enterprise-banking-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_OVpo1utRpHEAgSzg41MJhcxuyUvnOqpjqRNupmmW/mcp"
    }
  }
}
  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Step-by-step instructions for each client are in the guide. How to connect

FAQ

Questions Plaid owners ask.

  • 01

    Is this safe to run against production Plaid accounts? Will the AI transfer money?

    Yes, it is entirely safe. We deliberately designed the 20 capabilities purely for deep inspection (fetching assets, checking IDs, balancing ledgers). Endpoints capable of moving capital (like /transfer/create) were excluded. The worst the AI can do is give you a highly detailed dashboard of your expenses.

  • 02

    How does the agent analyze different bank accounts when I talk to it?

    You hold the master Server keys (Client ID and Secret). When you ask the agent a question, you just paste or mention the unique access_token representing that customer's bank connection, and the AI automatically uses it under the hood.

  • 03

    Can it cross check watchlists (AML) and biometrics?

    Yes. Capabilities like get_watchlist_screening and get_identity_verification hook directly into Plaid Identity, matching end-users to PEP (Politically Exposed Persons), OFAC, and global government watchlists instantaneously.

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