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Plaid Stock (PLAI)
Plaid claims to streamline financial data access for fintech developers. According to Plaid, their secure API empowers institutions and fintechs to enable user-authorized connections for seamless data sharing and innovative financial experiences.
API for developers of financial services applications
About Plaid Stock
Founded
2012
Headquarters
San Francisco, CA, US
Total Funding
822M
Industries
Administrative Services, Sports, Content and Publishing
Plaid is an API to power developers of financial services applications and help them connect with user bank accounts. It allows developers to integrate and get transactional and account data from various financial institutions. Its products include Auth: a solution that authorizes ACH payments based on the information users know in their heads; and Connect: a solution that offers developers with access to user-permissioned financial data. Plaid was launched by William Hockey and Zach Perret in 2012 and is operated from San Francisco, California.
Plaid Press Mentions
Stay in the know about the latest news on Plaid
These Are The Fintech IPOs That Could Follow Klarna’s Debut
news • Mar 20, 2025
These Companies Continue To Invest In Migrant Works As Mass Deportations Ramp Up
afrotech • Mar 19, 2025
Plaid CEO: AI Agents could soon represent customers
bankautomationnews • Mar 19, 2025
Should You Be Using Plaid When Shopping Faire? It Depends | Carol Schroeder
giftsanddec • Mar 18, 2025
Dwolla and Plaid Expand Integration; Unified API Now Available to Enterprise Customers
globalfintechseries • Mar 12, 2025
Investors in Plaid
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Plaid Management
Leadership team at Plaid
Co-founder
William Hockey
Co-Founder & CEO
Zach Perret

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Plaid Key Facts
- Plaid has established itself as a dominant player in the financial data aggregation market with notable customer growth reported and an increase in product usage. Customer growth surged in 2024 with the number of banks becoming customers increasing by 50%. As of January 2025, half of all Americans reportedly use the company's services in some way. Additionally, according to the company, the use of Plaid's identity verification product jumped more than 400% while use of its payment product more than tripled.
- Plaid has exhibited strong financial performance and funding health. Private research firm Sacra, estimates that Plaid hit $308 million in revenue in 2023 and Bloomberg reported that revenue jumped by more than 25% in 2024. Additionally, Plaid is reportedly working with Goldman Sachs to raise between $300 million and $400 million via a new secondary sale share which will allow the company to raise funds while also giving employees the opportunity to sell their existing stakes. The company is therefore well-funded to continue into its next stage of growth and position itself as the market leader in the financial data & analytics sector.
- In September 2024, the CEO Zach Perret announced Plaid would move aggressively into three new lines of business. He aims to leverage the connectivity and troves of financial information Plaid collects on its 100 million customers to create services in three lines of business: credit-risk analytics, fraud prevention and pay-by-bank. Plaid's existing network of connections could give it an edge in doing so. Plaid is therefore diversifying its service offerings and demonstrating a fast pace of innovation which could position the company for faster expansion.
- The financial data aggregation market is highly competitive and Plaid's closest competitors are all older companies including MX Technologies and Yodlee which each offer bank-linking products with similar coverage to Plaid. In 2022, Stripe also entered the market with its rival product "Financial Connections". Stripe's entrance and the parity in coverage between Plaid and its competitors could lead to its core bank linking products to become commoditized. In order to stay competitive, Plaid must continually innovate.
- Regulatory shifts will directly impact Plaid. One example is open banking which was a policy introduced in the 2010 Dodd-Frank financial reform case that was finally enacted as a rule by the Consumer Financial Protection Bureau in October 2024. This policy allows consumers to more easily control and port information between different institutions which benefited Plaid's business model. However, the Bank Policy Institute filed a lawsuit against this ruling, arguing it was unconstitutional. Per the ruling, large financial institutions will have until 2026 to comply which could mean the policy never gets implemented. These regulatory changes and rulings could have a negative impact on how Plaid runs its business and especially how it interacts with existing large financial institutions.
- Plaid could face financial constraints as the company was not yet profitable as of September 2024. The company also recorded losses of $70 million in 2023 and an expected $50 million in 2024. With no immediate plans to go public, Plaid could face challenges raising fresh capital.
Trading Plaid Stock
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