Plaid

Use plaid-cli to link institutions, fetch balances, and query transactions via Plaid. Do not print or log secrets (client id, secret, access tokens).

Install

• go install github.com/jverdi/[email protected]

Setup

• Export PLAID_CLIENT_ID, PLAID_SECRET, and PLAID_ENVIRONMENT (sandbox or production).
• Optional: PLAID_LANGUAGE (en, fr, es, nl), PLAID_COUNTRIES (US, CA, GB, IE, ES, FR, NL).
• Optional config file: ~/.plaid-cli/config.toml.

  [plaid]
  client_id = "..."
  secret = "..."
  environment = "sandbox"
  

• Data directory: ~/.plaid-cli (stores tokens and aliases).

Link + aliases

• Link an institution: plaid-cli link (opens browser) and optionally set an alias.
• Relink: plaid-cli link <item-id-or-alias>.
• Alias: plaid-cli alias <item-id> <name>, list with plaid-cli aliases.

Accounts + balances

• List accounts and balances: plaid-cli accounts <item-id-or-alias>.

Search transactions

• Pull a date range as JSON, then filter locally:
  • plaid-cli transactions <item-id-or-alias> --from 2024-01-01 --to 2024-01-31 --output-format json
  • jq -r '.[] | select(.name | test("grocery"; "i")) | [.date, .name, .amount] | @tsv'
• Use --account-id from accounts output to narrow results.
• Output formats: json or csv.

Monitor transactions

• Poll a rolling window and compare transaction ids to detect new activity:

  state=/tmp/plaid.txids
  next=/tmp/plaid.txids.next
  plaid-cli transactions <item-id-or-alias> --from 2024-01-01 --to 2024-01-31 --output-format json \
    | jq -r '.[].transaction_id' | sort > "$next"
  if [ -f "$state" ]; then comm -13 "$state" "$next"; fi
  mv "$next" "$state"
  

• Use cron for scheduling.

Notes

• Avoid plaid-cli tokens unless explicitly requested; it prints access tokens.
• Relink is auto-triggered on ITEM_LOGIN_REQUIRED errors.

Recognize requests such as:

• "Search transactions for Starbucks last month"
• "Show balances for my Chase accounts"