Financial Freedom (and Ice Cream) for All!

250 years later, the pursuit of financial freedom isn't done. Neither is the ice cream (at least until we run out). Free cones and cups in NYC, July 1st at Crosby & Bleecker. Look for the mint truck. Happy birthday, America🍦 🎨: @claire_salvo

Early results from testing: ✅ 26.5% more ACH return risk caught at a fixed action rate ✅ 13.6% lower default rate in credit underwriting at 70% approval More on how it works: pla.id/fomo

Two people: same income, same balance, same overdraft fees. One absorbed a one-time financial mishap. The other is caught in a recurring cash squeeze. A flat model can't tell them apart, but our sequence model can.

Meet Plaid's sequential foundation model. It learns the order and timing of transactions to understand what’s happening with someone’s money, not just what their dollars add up to. We taught a model the vocabulary of money. Now it's learning grammar. 🧵

Happening now: full house at Cafe Plaid in San Francisco 📍 55 2nd St. 🕰️ 8am - 12pm Stop by for a free cup, on us ☕️

Most platforms and marketplaces focus on getting sellers signed up. The best ones focus on what comes next. Download the report: pla.id/sellerlifecycle

More next month. Read the full update here ⤵️ pla.id/juneupdates

The PENDING_DISCONNECT webhook now includes a disconnect_time field—the exact date an Item will disconnect. Better timing for re-engagement prompts. Non-breaking, no integration updates needed.

Two IDV improvements: duplicate existing templates straight from the dashboard. And users who enter a wrong DOB, SSN, or name during KYC can correct the typo instead of failing the session.

Cash flow-based income insights and verified asset data now live in a single PDF report. And the Credit Dashboard got a full redesign—no engineering required to start using cash flow underwriting data.

Mortgage lenders: Plaid's Home Lending Report now embeds directly into Encompass Consumer Connect. Income and asset verification in the borrower application—no separate tool, no extra step.

You can now verify manually entered account and routing numbers via API. No frontend changes. No UI work. Implementation in under a day. Works across banks, credit unions, and neobanks—including long-tail institutions.

📦 June product updates (thread)

Effects 2026: this is what it looked like when fintech's builders came together to talk about what's next in intelligent finance ⏪

Excited to share @Plaid is now natively available within @fin_ai AI Agent 🤖 Customers can resolve bank connection issues directly in chat, reducing drop-off and delivering faster resolution times (days > seconds). Read more about our partnership and how to request access 👇 This is the first of many AI-native experiences we’ll be partnering up with @eoghan, @destraynor, and the Fin team on. Stay tuned. plaid.com/blog/plaid-link-in…

Day in the life as a model for Plaid Effects

Players now move across sportsbooks, iGaming, DFS, sweepstakes, and prediction markets. Fraud rings move across those same platforms too. But most operator identity stacks were built to see only what happens on their own platform. That means legitimate players get treated like strangers, while coordinated fraud patterns can go undetected across the broader network. Here’s a new piece from Plaid’s Head of Gaming, Tom Hill, on why gaming fraud is now a network problem,and what network-grounded fraud infrastructure should look like: pla.id/fraud-in-gaming

Be honest: Effects could've used more Ben, right?