Plaid builds APIs and SDKs that let developers and financial institutions connect consumer bank and investment accounts, verify ownership, retrieve transactions, assess income/liabilities, fight fraud, and move money (e.g., ACH/transfer). It sells usage-based access to products like Link, Auth, Transactions, Identity, Income, Liabilities, and Payments. Founded in 2013 and headquartered in San Francisco, Plaid’s network spans 12,000+ financial institutions across the US, Canada, the UK, and Europe, with customers including Venmo, SoFi, and Betterment.