# Yoofooz API Readiness Report

## API
**Name:** Plaid
**Docs URL:** https://plaid.com/docs/
**Domain:** plaid.com
**Generated At:** 2026-10-05T20:17:13.893649+00:00

## Certification
**Agent Readiness Score:** 90/100
**Certification Level:** Yoofooz Certified

## Agent Commerce Readiness
**Agent Commerce Score:** 55/100
**Agent Commerce Level:** Agent Commerce Emerging

This score is separate from the core Agent Readiness Score and evaluates MCP support, scoped agent identity, machine-native payments, consumption pricing, budget controls, rate controls, deterministic errors, auditability, least-privilege security, and agent observability.

## Category Scores
- Documentation Clarity: 10
- Machine Readable Spec: 5
- Authentication Clarity: 10
- Error Handling: 10
- Rate Limit Clarity: 10
- Agent Safe Workflow Support: 10
- Sandbox Availability: 10
- Webhook Event Support: 10
- Commercial Trust: 5
- Developer Experience: 10

## Strengths
- Documentation clarity
- Authentication model clarity
- Error handling and status codes
- Rate-limit / quota behavior
- Agent-safe workflow primitives (idempotency, retries)
- Sandbox / test-mode availability
- Webhook / event support
- Developer experience (SDKs, quickstart, CLI)

## Risks
- Machine-readable specification (OpenAPI/Swagger) signal is partial; clearer documentation recommended.
- Commercial trust (status, SLA, compliance) signal is partial; clearer documentation recommended.

## Recommended Next Steps
- Strengthen: Add or expose an OpenAPI/Swagger specification or Postman collection.
- Strengthen: Publish status page, SLA, and security/compliance posture (SOC 2, GDPR, PCI as applicable).

## Evidence Signals

### Documentation clarity
- **Source:** https://plaid.com/docs/
- **Matched:** quickstart, docs, guide, reference
- **Evidence:** "docs home quickstart api link sandbox institutions resources errors launch checklist account support changelog payments and funding auth balance signal identity transfer..."

- **Source:** https://plaid.com/docs/errors/
- **Matched:** parameters, request, response, docs, reference, overview
- **Evidence:** "...income_verification_upload_error product_not_enabled product_not_ready employment_not_found sandbox errors occur when invalid parameters are supplied in the sandbox environment. sandbox_product_not_enabled sandbox_webhook_invalid sandbox_transfer_event_transition_invalid invalid..."

### Machine-readable specification (OpenAPI/Swagger)
- **Source:** https://plaid.com/docs/api/sandbox/
- **Matched:** postman collection, api reference, endpoints
- **Evidence:** "docs all docs api overview libraries api versioning postman collection webhooks payments and funding auth signal and balance identity transfer investments move payment initiation (europe) virtual accounts financial..."

- **Source:** https://plaid.com/docs/api/webhooks/
- **Matched:** postman collection, api reference, schema
- **Evidence:** "docs all docs api overview libraries api versioning postman collection webhooks payments and funding auth signal and balance identity transfer investments move payment initiation (europe) virtual accounts financial..."

### Authentication model clarity
- **Source:** https://plaid.com/docs/api/oauth/
- **Matched:** oauth, access token, client secret, scopes, api key, keys
- **Evidence:** "...report (by plaid check) assets statements income instant onboarding plaid layer fundamentals items accounts institutions sandbox link users consent oauth # endpoints # /oauth/token # /oauth/introspect # /oauth/revoke partnerships processor tokens processor partners reseller partners docs search or ask..."

- **Source:** https://plaid.com/docs/api/sandbox/
- **Matched:** oauth, access token, api key, keys
- **Evidence:** ".../servicing/simulate # /sandbox/cra /cashflow_updates /update # /sandbox/payment /simulate # /sandbox/transactions /create link users consent oauth partnerships processor tokens processor partners reseller partners docs search or ask a question markdown plaid.com log in get api keys open nav..."

### Error handling and status codes
- **Source:** https://plaid.com/docs/errors/
- **Matched:** error codes, idempotency, errors, troubleshooting, status codes
- **Evidence:** "...bill any pii -- he's scared of intimacy. all chats with bill are subject to plaid's privacy policy. errors a comprehensive breakdown of all plaid error codes most common errors the following are the most common errors that may occur in response to an api call even if your implementation is correct. this..."

- **Source:** https://plaid.com/docs/errors/api/
- **Matched:** idempotency, 500, retry, errors, troubleshooting
- **Evidence:** "...already opted in to sharing information about a specific account. troubleshooting steps retry the request. if the endpoint supports the use of an idempotency key parameter, ensure you are using one before retrying. if the endpoint is /transfer/create , see handling errors in transfer creation . if the..."

### Rate-limit / quota behavior
- **Source:** https://plaid.com/docs/api/webhooks/
- **Matched:** retry-after, too many requests, 429
- **Evidence:** "...is 4 times longer than the previous delay, starting with 30 seconds. if your endpoint returns a 429 too many requests response, plaid will honor the retry-after header if present, waiting the specified duration for up to a maximum of 4 hours later before the next attempt instead of applying the standard..."

- **Source:** https://plaid.com/docs/errors/rate-limit-exceeded/
- **Matched:** rate limit, rate limits, limits
- **Evidence:** "...check report errors check report webhook errors cra monitoring errors user errors invalid request errors invalid input errors invalid result errors rate limit exceeded errors # rate limit table # accounts_limit # accounts_balance_get _limit # auth_limit # balance_limit # credits_exhausted # identity_limit..."

### Agent-safe workflow primitives (idempotency, retries)
- **Source:** https://plaid.com/docs/errors/api/
- **Matched:** idempotency, idempotency key
- **Evidence:** "...already opted in to sharing information about a specific account. troubleshooting steps retry the request. if the endpoint supports the use of an idempotency key parameter, ensure you are using one before retrying. if the endpoint is /transfer/create , see handling errors in transfer creation . if the..."

- **Source:** https://plaid.com/docs/api/webhooks/
- **Matched:** idempotency, webhook retries
- **Evidence:** "...). best practices for applications using webhooks you should design your application to handle duplicate and out-of-order webhooks. ensure idempotency on actions you take when receiving a webhook. if you drive application state with webhooks, ensure your code doesn't rely on a specific order of..."

### Sandbox / test-mode availability
- **Source:** https://plaid.com/docs/api/sandbox/
- **Matched:** sandbox environment, sandbox, test clocks
- **Evidence:** "...of intimacy. all chats with bill are subject to plaid's privacy policy. sandbox endpoints api reference for sandbox endpoints introduction plaid's sandbox environment provides a number of endpoints that can be used to configure testing scenarios. these endpoints are unique to the sandbox environment and cannot be..."

- **Source:** https://plaid.com/docs/errors/
- **Matched:** sandbox environment, sandbox
- **Evidence:** "...product_not_enabled product_not_ready employment_not_found sandbox errors occur when invalid parameters are supplied in the sandbox environment. sandbox_product_not_enabled sandbox_webhook_invalid sandbox_transfer_event_transition_invalid invalid request errors occur when a request is..."

### Webhook / event support
- **Source:** https://plaid.com/docs/api/webhooks/
- **Matched:** webhooks, webhook, events
- **Evidence:** "docs all docs api overview libraries api versioning postman collection webhooks payments and funding auth signal and balance identity transfer investments move payment initiation (europe) virtual accounts financial insights..."

- **Source:** https://plaid.com/docs/api/webhooks/webhook-events/
- **Matched:** webhooks, webhook, events
- **Evidence:** "docs all docs api overview libraries api versioning postman collection webhooks payments and funding auth signal and balance identity transfer investments move payment initiation (europe) virtual accounts financial insights..."

### Commercial trust (status, SLA, compliance)
- **Source:** https://plaid.com/docs/
- **Matched:** support, changelog, compliance
- **Evidence:** "docs home quickstart api link sandbox institutions resources errors launch checklist account support changelog payments and funding auth balance signal identity transfer investments move payments (europe) financial insights transactions investments..."

- **Source:** https://plaid.com/docs/api/sandbox/
- **Matched:** support, versioning, api version
- **Evidence:** "...required [string] required, [string] the products to initially pull for the item. may be any products that the specified institution_id supports. this array may not be empty. min items: 1 possible values: assets , auth , cra_base_report , cra_income_insights , cra_lend_score ,..."

### Developer experience (SDKs, quickstart, CLI)
- **Source:** https://plaid.com/docs/
- **Matched:** quickstart, cli, guides
- **Evidence:** "docs home quickstart api link sandbox institutions resources errors launch checklist account support changelog payments and funding auth balance signal identity transfer..."

- **Source:** https://plaid.com/docs/errors/rate-limit-exceeded/
- **Matched:** cli, dashboard
- **Evidence:** "...toggle sort endpoint column, currently unsorted max requests per item toggle sort max requests per item column, currently unsorted max requests per client toggle sort max requests per client column, currently unsorted /accounts/balance/get 5 per minute, 30 per hour 1,200 per minute /accounts/get 15..."

## AI Analyst Summary
AI analysis unavailable: no analysis available

## Yoofooz Summary
This API has been evaluated for autonomous AI-agent usability. The score reflects documentation quality, machine-readable specification signals, authentication clarity, error handling, workflow safety, commercial trust, and developer experience.