How to Build Your Own Plaid
Replace Plaid with a custom build. Enabling all companies to build fintech solutions
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 35 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 35 features
Support(4 features)
Dedicated account management
Help with integrating Plaid into your platform
Platform support package included
Premium technical support
Financial Data(3 features)
Access financial data for underwriting
Easily understand customer debt
Refresh statements by date
Fraud Detection(3 features)
Stop fraud with industry insights
Stop identity fraud, account takeovers, and risky payments with ML-powered fraud signals
Fraud intelligence system
Identity Verification(3 features)
Verify bank account ownership
Match bank account ownership
Verify good users and stop bad ones
Compliance(2 features)
Stay AML and PEP compliant
Compliance and support for regulated industries
Investments(2 features)
Get a holistic view of investments
Authorize investment transfers
Onboarding(2 features)
The internet's fastest financial onboarding to increase conversion, fight fraud, and onboard customers in seconds
Onboard customers instantly
Payments(2 features)
Fast and secure payments designed to deliver higher conversion rates and increase revenue
Transfer money between accounts
Cost Calculator
Pricing data not available for Plaid. Check their website for current pricing.