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  1. Platform Overview

Plaid Integration

How does Cybrid integrate with Plaid?

Overview

Plaid lets customers link their bank accounts to financial institutions. Plaid handles the
integration with banks across North America, giving customers access to:

  • Bank account information (PII)
  • Balance checking
  • Debits and credits

Cybrid integrates Plaid into the embedded experience to simplify customer onboarding and bank
account connection. Partners can leverage Cybrid's Plaid integration to enable end-customers to
connect their bank accounts and deposit or withdraw fiat currency on the Cybrid Platform.

⚠️

Instant Verification (Instant Auth) not supported

Cybrid's Plaid integration does NOT support Plaid's Instant Verification (Instant Auth) feature.
Only the standard Plaid Link flow is supported. After a user links their bank account, an
additional identity verification step is required to confirm account ownership — this checks
that the bank account name matches the user's KYC name. Accounts may remain unverified if this
verification is not completed, if there is a name mismatch (such as a missing middle name), if
the user does not upload requested documents (like a bank statement), or if the verification
expires. To resolve this, ensure the identity verification is triggered after linking and guide
users to complete any required document uploads.

Choose your approach

You have two methods to connect customer bank accounts and drive deposits and withdrawals on the
Cybrid Platform:

MethodPlaid account / brandingDescription
Plaid LinkCybridInitiate the Plaid process via the /api/workflows endpoint, then drive the user experience with the Plaid Link SDK. Gives more control over the user experience and integration at the app level.
Plaid Processor TokenPartnerThe Partner owns the Plaid account and drives the entire experience. After a customer connects their bank account via Plaid, you pass the Plaid Processor Token to Cybrid, which enables Cybrid to trigger money movement on behalf of the customer. Offers the most flexibility, but requires you to pay for your own Plaid integration.

For step-by-step instructions on each method, see
Add Customer External Bank Accounts.

⚠️

FBO account limitations

If a bank account is opened for a customer via Cybrid (such as an FBO account), the customer
cannot be provided with online banking credentials to link that account to other platforms via
Plaid. Only accounts where the customer has their own online banking access can be linked via
Plaid Link.

Integration lifecycle

A typical Plaid integration on the Cybrid Platform follows this sequence:

  1. Link the customer's bank account using one of the two methods above. See
    Add Customer External Bank Accounts.
  2. Verify ownership of the linked bank account against the customer's KYC information. See
    Verify External Bank Accounts.
  3. Refresh the connection when Plaid expires it and the account enters the
    refresh_required state. See
    Refresh External Bank Accounts.

Next steps

Related resources