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Financial data API connecting apps to bank accounts for payments, identity verification, and transactions.
AI creates the full system diagram from this spec — interactive, explorable, exportable.
| Category | Requirement | Target |
|---|---|---|
| Performance | Link flow | < 3s bank account connection end-to-end |
| Availability | API | 99.99% — fintech apps depend on Plaid for core functionality |
| Security | Bank credentials | Never stored — token exchange only, SOC2, PCI compliant |
| Compliance | Financial | CFPB 1033 compliant, bank-level encryption |
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