Plaid Integration

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.

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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.

How it works

Connect customer bank accounts and drive deposits and withdrawals on the Cybrid Platform using
Plaid Link with Cybrid: initiate the Plaid process via the /api/workflows endpoint, then drive
the user experience with the Plaid Link SDK. This gives you control over the user experience and
integration at the app level, using Cybrid's Plaid account.

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

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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 with Plaid Link. 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

• Add Customer External Bank Accounts
• Verify External Bank Accounts
• Refresh External Bank Accounts
• Transfer Process

Related resources

• Cybrid API reference
• Plaid Link documentation