Plaid is a fintech API platform that enables apps to connect with users’ bank accounts for functions like retrieving balances, verifying account ownership, checking transaction history, and initiating payments. It supports endpoints for Auth, Identity, Transactions, Assets, Income, Liabilities, Investments, and more. Plaid offers Link, a drop-in UI SDK for securely onboarding users, and partners with over 12,000 financial institutions across North America and Europe.

Plaid is not available in mainland China. Its services—such as Link onboarding, real-time bank data retrieval, and transfers—depend on institutions not supported in China. Plaid operates in US, CA, UK, FR, ES, IE, NL. Attempts to load the Plaid Link SDK or API endpoints from Chinese IPs will fail or time out. Developers targeting Chinese users must integrate with local financial data providers or payments services such as LianLian Pay, Ping++ API, or open banking protocols from domestic banks. A dual-stack architecture is advised: Plaid for global users, domestic equivalent for China.

The information regarding service availability in China is provided for general reference purposes only. Due to the dynamic nature of network conditions and regulatory environments, the actual accessibility of these services may vary over time and by location. Users are advised to verify the current status independently.