Plaid is a financial technology company that provides the infrastructure enabling applications to connect with users’ bank accounts. Founded in 2013 by Zach Perret and William Hockey, Plaid builds APIs and data connectivity tools that allow developers to access financial data securely, powering features such as bank account authentication, transaction history, identity verification, and payment initiation. Its platform is widely used by fintech apps and digital financial services to deliver seamless financial experiences.
Headquartered in San Francisco, California, Plaid has grown rapidly and now employs over a thousand people. The company’s technology underpins many well‑known fintech products including Venmo, Robinhood, Coinbase, and SoFi. Plaid is considered a key player in the open banking ecosystem in the United States and has expanded internationally in recent years. Notably, Visa attempted to acquire Plaid for $5.3 billion in 2020, but the deal was terminated following regulatory challenges, after which Plaid continued expanding its product suite and partnerships across the fintech landscape.
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