Plaid provides a suite of developer-first financial APIs and client components that let apps connect to users' bank accounts, retrieve balances and transaction data, verify account ownership, and initiate transfers. It operates a broad network of banks, fintechs, and consumers and exposes product-specific endpoints (Transactions, Auth, Balance, Identity, Transfer, etc.) along with Link — a client-side widget for secure account linking. Plaid also supplies SDKs, sample apps, and webhooks to simplify integrations, support sandbox testing, and enable event-driven flows. Its value lies in standardizing disparate bank integrations into consistent APIs to accelerate fintech product development, reduce fraud, and improve customer onboarding and retention.