Zachary Perret

@taylor_jrj2012 +1. Check back late this month and it should be way easier.

Nice I’m pumped. I understand why Plaid has to do it and this is more of a call to action for banks and card cos. Once I was in it was great. Mostly think FIs are creating a path dependency to their own ruin. Also think it’s an incredible opportunity for Plaid! Agreed the browser agents and profiles aren’t great but are getting better!

1. Banks are thinking about Plaid completely wrong. I tried to use Plaid for a personal finance app I'm vibe coding. Just wanted clean data extraction. Simple stuff. Banks blocked immediate access. Independent verification screens, disconnections, friction everywhere. Banks think they're protecting something. They're accelerating something way worse. 2. Here's what happens next. I'm about to give sandboxed browser profiles for each of my bank accounts to automation agents. They'll log in as me, scrape what I need, and do whatever I tell them. Banks can't tell it's not me. They can't see what it's doing. They can't scope or limit the access. The compliance and product risk is 10x what Plaid ever was. 3. This is the shadow IT problem but for financial services. IT departments learned this lesson the hard way. You either control the entry point (Plaid) or people route around you with tools you can't see, can't audit, and can't shut off. Every IT leader will tell you that shadow usage is the nightmare scenario. You don't know if it's the employee or software. You don't know what data is moving where. You don't know why. Banks are choosing the nightmare scenario. 4. Jamie Dimon doesn't want to share data with Plaid? Cool. What about 10 million unique agents hitting chase with residential browser fingerprints? Plaid is the controlled front door. The agentic alternative is 10 million uncontrolled windows. Banks should be begging Plaid to be the integration layer here. Aligns with @nikitabier 's year of the prosumer thesis accelerates this timeline massively. There are 1000x more people who can build personal finance tools now than 2 years ago. Every single one of them needs bank data. Curious what @mikulaja @AlexH_Johnson @zachperret think. The value is accruing to the integration point whether banks like it or not. Hoping banks lean into Plaid and we get even better prosumer/infra for what I want to do!

@TDaltonC @dwr @Plaid This is a good idea. Thanks.

@zachperret @dwr @Plaid TreasuryDirect

Which banks, data elements, or account types would you most like to see @Plaid add or improve?

@TDaltonC @dwr @Plaid Got it, thanks.

@zachperret @dwr @Plaid Webull

@MKelner @Plaid What would you like to see?

@zachperret @Plaid More stuff in the statements API!

@kirtan @Plaid Good one.

@zachperret @Plaid Revolut US

@liukeyang @Plaid Interesting, will look.

@zachperret @Plaid Robinhood UTMAs

@0xZarathustra_ @dwr @Plaid It went live this week! Should be turned on in all Plaid-powered apps

@akhilhanda12 We support most business accounts. Are there any banks you'd particularly like to see?

@zachperret Business accounts

@GuyBuyside +1. Good feedback.

@zachperret Individuals experimenting with AI would love an easier way to use Plaid as an API. I know you guys offer the lower tier Developer account but it would be great to get a more consumer facing tool so people can start to play around with it more. Appreciate you hearing me out!

@jordihays Congrats!!

TBPN has been acquired by OpenAI The world is changing quickly but TBPN will stay the same. Live every weekday just with a lot more resources. Thank you to everyone that has been a part of this journey big or small. We are 17 months in and unironically just getting started.

@sitwhoadie @Plaid Interesting. We do support joint accounts for most institutions. What are you trying to do that's giving you trouble?

@zachperret @Plaid Joint owners would be interesting. We're currently blocking the linking of many accounts due to name mismatch that end up being a spouse.

@danbeksha @Plaid We support many. Any in particular that you'd like to see us add or improve?

@zachperret @Plaid Business banking!

@raffichill @Plaid We have web app for that, and are working on a big upgrade. Mobile to follow.

@zachperret @Plaid Why is there no Plaid iOS client where you can see all of your connections?

Thrilled to welcome @twifintech and @NikMilanovic to Plaid! The TWIF team has built an incredible platform, and we are excited to help accelerate it over the coming years!

Perplexity Computer now runs on your portfolio. Connect your brokerage accounts securely through @Plaid, then ask Computer to make a personal terminal that's always on.

Coding with AI is like playing Civ for grown ups.

@Barney_PromiFi Bummer. Feel free to email me and I’ll escalate. Zach at plaid.

@zachperret Speaking of building - love Plaid, but locked out of my dashboard for weeks. Reset emails never arrive, support tickets ignored. Any way to get help?

Working amidst the current AI zeitgeist is thrilling. I used to lament not yet working in technology during the 1998-2001 period. Today is different, yet similar. What fun.