Plaid MCP Server — Hosted Ai Integration

mcp-plaid — Plaid Financial Data MCP Server

Access bank accounts, transactions, balances, institution search, and identity data via Plaid — AI-native financial data access.

Give your AI agents access to financial data through Plaid. Retrieve bank account balances, search transactions by date range, look up financial institutions, verify account ownership, and initiate bank connections — all through natural language.

Live endpoint: https://mcp.aerostack.dev/s/aerostack/mcp-plaid

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What You Can Do

• List linked bank accounts with balances and types
• Get real-time account balances (available, current, limit)
• Search transactions by date range with merchant and category info
• Search 11,000+ financial institutions by name
• Retrieve identity information (name, email, phone, address)
• Create Link tokens to initiate new bank connections

Available Tools

Tool	Description
_ping	Verify Plaid API connectivity
get_accounts	List linked accounts with type, balance, and mask
get_balance	Get real-time balances for linked accounts
get_transactions	Retrieve transactions with merchant, category, and date
search_institutions	Search banks by name with product support info
get_institution	Get institution details — URL, logo, products, colors
get_identity	Retrieve account holder identity information
create_link_token	Generate a token to start the bank connection flow

Configuration

Variable	Required	Description	How to Get
PLAID_CLIENT_ID	Yes	Plaid client ID	dashboard.plaid.com → Team Settings → Keys → client_id
PLAID_SECRET	Yes	Plaid secret key (sandbox, development, or production)	dashboard.plaid.com → Team Settings → Keys → select environment → secret
PLAID_ENV	No	Environment: sandbox, development, or production (default: sandbox)	Use "sandbox" for testing, "production" for live data

Sandbox mode: Test with fake bank data using Plaid's sandbox credentials. No real bank connections needed.

Quick Start

Add to Aerostack Workspace

1. Go to aerostack.dev → Your Project → MCPs
2. Search for "Plaid" and click Add to Workspace
3. Add PLAID_CLIENT_ID, PLAID_SECRET, and PLAID_ENV under Project → Secrets

Example Prompts

"List all my linked bank accounts and their balances"
"Show transactions from my checking account for the last 30 days"
"Search for Chase bank on Plaid and show me what products they support"
"What's my total available balance across all accounts?"
"Show me all pending transactions"

Direct API Call

curl -X POST https://mcp.aerostack.dev/s/aerostack/mcp-plaid \
  -H 'Content-Type: application/json' \
  -H 'X-Mcp-Secret-PLAID-CLIENT-ID: your-client-id' \
  -H 'X-Mcp-Secret-PLAID-SECRET: your-secret' \
  -H 'X-Mcp-Secret-PLAID-ENV: sandbox' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"search_institutions","arguments":{"query":"Chase"}}}'

Security Notes

• Plaid credentials are injected at the Aerostack gateway layer — never stored in the worker
• Access tokens represent linked bank connections — treat them as sensitive secrets
• Use sandbox environment for development and testing
• Transaction data is limited to 500 items per request with pagination support
• Identity data access requires explicit user consent via Plaid Link

License

MIT