> ## Documentation Index
> Fetch the complete documentation index at: https://docs-terra.withunify.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Plaid Integration

> Identity and bank verification with Plaid

# Plaid Integration

> Secure identity verification and bank account connection via Plaid.

## Products

### ID Verification

Document + selfie verification:

```typescript theme={null}
{
  type: "plaid_id_verification",
  id: "id-verify",
  label: { en: "Verify Your Identity" },
  plaidTemplateId: "idvtmp_xxx"  // From Plaid Dashboard
}
```

**Flow:**

1. User clicks "Verify Identity"
2. Plaid Link opens
3. User uploads ID + takes selfie
4. Plaid returns verification status

### Bank Verification

Secure bank account connection:

```typescript theme={null}
{
  type: "plaid_bank_verification",
  id: "bank-verify",
  label: { en: "Connect Your Bank" }
}
```

**Flow:**

1. User clicks "Connect Bank"
2. Plaid Link opens
3. User logs into bank
4. Plaid returns account details (masked)

## Implementation

### Creating Link Tokens

```typescript theme={null}
// /api/plaid/link-token/route.ts
export async function POST() {
  const linkToken = await plaidClient.linkTokenCreate({
    user: { client_user_id: uniqueId },
    client_name: "Terra",
    products: ["identity_verification"],
    country_codes: ["US"],
    language: "en",
  });

  return Response.json({ linkToken: linkToken.link_token });
}
```

### Exchanging Public Tokens

After user completes Link:

```typescript theme={null}
const { access_token } = await plaidClient.itemPublicTokenExchange({
  public_token: publicToken,
});

// Store encrypted access token
await saveAccessToken(submissionId, fieldId, access_token);
```

## Security

* Access tokens are encrypted at rest
* Bank account numbers are masked (last 4 only)
* Full data only retrieved when needed

***

<CardGroup cols={2}>
  <Card title="Encryption" icon="lock" href="/core-systems/data/encryption-pii">
    Token encryption
  </Card>

  <Card title="Field Types" icon="list" href="/core-systems/forms/field-types">
    Plaid field configuration
  </Card>
</CardGroup>