{"api_name":"Plaid","docs_url":"https://plaid.com/docs/api/","domain":"plaid.com","generated_at":"2026-05-06T17:13:29.265059+00:00","agent_readiness_score":85,"certification_level":"Yoofooz Certified","category_scores":{"documentation_clarity":10,"machine_readable_spec":10,"authentication_clarity":10,"error_handling":10,"rate_limit_clarity":5,"agent_safe_workflow_support":0,"sandbox_availability":10,"webhook_event_support":10,"commercial_trust":10,"developer_experience":10},"strengths":["Documentation clarity","Machine-readable specification (OpenAPI/Swagger)","Authentication model clarity","Error handling and status codes","Sandbox / test-mode availability","Webhook / event support","Commercial trust (status, SLA, compliance)","Developer experience (SDKs, quickstart, CLI)"],"risks":["Rate-limit / quota behavior signal is partial; clearer documentation recommended.","Agent-safe workflow primitives (idempotency, retries) signal not detected in docs."],"recommended_next_steps":["Strengthen: Document rate limits, quota behavior, 429 responses, and Retry-After guidance.","Document idempotency keys, test mode, dry runs, and safe retry semantics for agents."],"scoring_signals":{"docs_fetched":true,"docs_chars_used":160691,"pages_fetched":2,"candidate_pages":8,"fetched_urls":["https://plaid.com/docs/api/","https://plaid.com"]},"matched_signals":{"documentation_clarity":{"score":10,"matched_terms":["quickstart","request","response","docs","guide","reference","overview"]},"machine_readable_spec":{"score":10,"matched_terms":["openapi","postman collection","api reference","endpoints","schema"]},"authentication_clarity":{"score":10,"matched_terms":["oauth","authentication","authorization","api key","keys"]},"error_handling":{"score":10,"matched_terms":["400","401","403","404","409","429","500","errors","troubleshooting","status codes"]},"rate_limit_clarity":{"score":5,"matched_terms":["429","limits"]},"agent_safe_workflow_support":{"score":0,"matched_terms":[]},"sandbox_availability":{"score":10,"matched_terms":["sandbox environment","sandbox"]},"webhook_event_support":{"score":10,"matched_terms":["webhooks","webhook","events"]},"commercial_trust":{"score":10,"matched_terms":["security","sla","support","versioning","api version"]},"developer_experience":{"score":10,"matched_terms":["client libraries","quickstart","sdk","cli","dashboard"]}},"evidence_signals":{"documentation_clarity":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["quickstart","request","response","docs","guide","reference","overview"],"snippet":"...all of plaid's api endpoints. all you have to do is fill in your api keys and any arguments. to get started, check out the plaid postman collection quickstart on github. client libraries see the client libraries page for more information on plaid's client libraries. developer community github stack..."},{"source_url":"https://plaid.com","matched_terms":["request","response","guide","overview"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks..."}],"machine_readable_spec":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["openapi","postman collection","api reference","endpoints","schema"],"snippet":"...# api endpoints and webhooks # api access # api protocols and headers # api host # api status and incidents # storing api data # api field formats # openapi definition file # postman collection # client libraries libraries api versioning postman collection webhooks payments and funding auth signal and..."},{"source_url":"https://plaid.com","matched_terms":["schema"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks signal ach payment risk platform transfer ach, rtp, and fednow payment processing investments move streamline..."}],"authentication_clarity":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["oauth","authorization","api key","keys"],"snippet":"...underwriting consumer report (by plaid check) assets statements income fundamentals items accounts institutions sandbox link users consent network 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":[{"source_url":"https://plaid.com","matched_terms":["400","401","403","404","409","429","500"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks signal ach payment risk platform transfer ach, rtp, and fednow payment processing investments move streamline..."},{"source_url":"https://plaid.com/docs/api/","matched_terms":["400","500","errors","troubleshooting","status codes"],"snippet":"...and secret via the dashboard. api protocols and headers the plaid api is json over http. requests are post requests, and responses are json, with errors indicated in response bodies as error_code and error_type (use these in preference to http status codes for identifying application-level errors)...."}],"rate_limit_clarity":[{"source_url":"https://plaid.com","matched_terms":["429"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks signal ach payment risk platform transfer ach, rtp, and fednow payment processing investments move streamline..."},{"source_url":"https://plaid.com/docs/api/","matched_terms":["limits"],"snippet":"...fields returned by plaid apis are reported exactly as returned by the financial institution. for this reason, plaid does not have maximum length limits or standardized formats for strings returned by the api. in practice, field lengths of 280 characters will generally be adequate for storing..."}],"sandbox_availability":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["sandbox environment","sandbox"],"snippet":"...https://production.plaid.com (production) plaid has two environments: sandbox and production. items cannot be moved between environments. the sandbox environment supports only test items. you can request production api access via the dashboard. api status and incidents api status is available at..."}],"webhook_event_support":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["webhooks","webhook","events"],"snippet":"docs all docs api overview # api endpoints and webhooks # api access # api protocols and headers # api host # api status and incidents # storing api data # api field formats # openapi definition file #..."}],"commercial_trust":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["security","sla","support","versioning","api version"],"snippet":"...information and should be managed accordingly. for guidance and best practices on how to store and handle sensitive data, see the open finance security data standard . identifiers used by the plaid api that do not contain consumer data and are not keys or tokens are designed for usage in less..."},{"source_url":"https://plaid.com","matched_terms":["security","sla"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks signal ach payment risk platform transfer ach, rtp, and fednow payment processing investments move streamline..."}],"developer_experience":[{"source_url":"https://plaid.com/docs/api/","matched_terms":["client libraries","quickstart","sdk","cli","dashboard"],"snippet":"...protocols and headers # api host # api status and incidents # storing api data # api field formats # openapi definition file # postman collection # client libraries libraries api versioning postman collection webhooks payments and funding auth signal and balance identity transfer investments move payment..."},{"source_url":"https://plaid.com","matched_terms":["sdk","cli"],"snippet":"skip to main content products payments overview explore payments solutions auth verified account and routing numbers identity bank account-holder information balance real-time balance checks signal ach payment risk platform transfer ach, rtp, and fednow payment processing investments move streamline..."}]},"ai_analysis":{"provider":"nvidia","enabled":true,"model":"meta/llama-4-maverick-17b-128e-instruct","summary":"Plaid API is Yoofooz Certified with an agent readiness score of 85, excelling in documentation and developer experience but with risks in rate limit clarity and agent-safe workflows.","credibility_notes":["High scores in documentation clarity and developer experience","Partial information on rate limits and quota behavior","Lack of clear documentation on agent-safe workflow primitives"],"next_actions":["Document rate limits and quota behavior","Provide idempotency keys and safe retry semantics","Enhance documentation for 429 responses and Retry-After guidance"],"error":null}}