# Plaid

**Summary:** Plaid is a secure financial data connectivity platform that enables applications to access bank accounts, balances, transactions, and identity information through trusted, permissioned APIs.

**How Teams Use It:** With the Barndoor-Managed Plaid MCP Server, teams can safely connect AI agents to retrieve financial data, verify user identity, analyze transactions, and even authorize transfers — all while enforcing strict data permissions and protecting sensitive banking information.

Plaid & Barndoor AI Demo

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## Tools

| Tool Name                      | Tool Description                                                                                                           | Tool Type  |
|--------------------------------|---------------------------------------------------------------------------------------------------------------------------|------------|
| Create Transfer                | Initiates a money transfer (ACH, RTP, or wire) after authorization. Moves funds between accounts. Requires authorization ID, account ID, and transfer description. | Execute    |
| Create Transfer Authorization   | Authorizes a money transfer from a bank account. Performs risk assessment and returns approval decision. Requires transfer type, amount, network, user info, and account ID. | Create     |
| Get Account Balances           | Retrieves real-time current and available balances for linked bank accounts, credit cards, and loans. Balances are refreshed live rather than cached. Optionally filter by specific account IDs. | Read       |
| Get Accounts                   | Retrieves a list of all financial accounts linked to an Item. Returns account names, types, masks, and cached balances. Optionally filter by specific account IDs. | Read       |
| Get Auth Details               | Retrieves bank account and routing numbers for linked accounts. Returns ACH, wire routing, and international banking numbers. Optionally filter by specific account IDs. | Read       |
| Get Identity                   | Retrieves account holder information including names, emails, phone numbers, and addresses from the financial institution. Data availability varies by institution. Optionally filter by specific account IDs. | Read       |
| Get Liabilities                | Retrieves detailed information about credit cards, mortgages, and student loans. Returns balances, interest rates, payment due dates, and loan terms. Optionally filter by specific account IDs. | Read       |
| Get Transactions               | Retrieves transaction history for linked accounts within a date range. Returns merchant names, amounts, categories, and locations. Requires start date and end date. | Read       |