For Plaid, from 🤫 hussh
Consent-first account connection, with a receipt.
Plaid was built on one idea: a person says yes, and only then does data or money move. 🤫 was built on the same idea. Together, a person's own 🤫 Agent One connects accounts and moves value by consent, with a receipt the person keeps for every access and every transfer. Your permission, made visible and revocable on the person's side.
The same consent, held on both sides.
Your whole network runs on permission. A person consents before any data moves.
🤫's PCHP turns that consent into a tamper-evident receipt the person keeps and can revoke.
One consent, clear and revocable on the person's side.
Pay by bank and instant transfers move money once the person authorizes it.
Agent One starts those transfers on the person's behalf, by explicit consent, with a receipt for each.
Agent-initiated pay by bank that both sides can verify.
Plaid Layer and Identity Verification make onboarding fast and confirm who a person is.
Agent One carries the person's verified identity and consents across services, with nothing typed twice.
One consented identity and payment rail a person's agent can use everywhere.
The network, the rails, and the person's permission.
Plaid is the financial data network that connects apps, institutions and the people who use them, across North America and Europe.
Banks, credit unions and fintechs across North America and Europe.
Fintechs and enterprises that build on Plaid for account connection, payments and identity.
Instant, low-cost bank transfers through Transfer and Signal. Value moves directly, by consent.
Plaid Layer turns sign-up and account connection into one fast, consented flow.
Identity Verification, Signal and Beacon. Knowing who a person is, and stopping fraud.
Data moves only when the person permits it. The principle we share.
Connectivity, payments, identity and permission. Everything a consent-first agent needs to act in a person's financial life.
The network
12,000+ institutions connected to thousands of apps. One of the largest permissioned financial data networks in the world.
Pay by bank
Transfer and instant account-to-account payments. Money moves directly, at low cost, once authorized.
Plaid Layer
One-tap onboarding and account connection. A fast, consented flow a person's agent can drive.
Identity
Identity Verification and Signal confirm who a person is and score risk, by consent.
Beacon
A shared anti-fraud network that keeps consented access safe for people and institutions alike.
Permission by design
Data and money move only when the person says so. Plaid's first principle, and ours.
Where Plaid is going.
Open finance
A financial system where people control who sees their data. Plaid's north star.
Pay by bank at scale
Account-to-account payments as an everyday, lower-cost, consented way to pay.
Identity as a network
Portable, verified identity that removes friction and fraud everywhere it travels.
Fraud prevention
A shared layer that protects people and institutions across the network.
The person in control
Tools that show people their connected financial data and let them decide.
Layer, pay by bank, and open banking.
Where Plaid has moved most recently, and where a person's agent fits right in.
Plaid Layer
Onboarding powered by the network. It recognizes returning users and connects accounts in one consented tap.
Pay by bank, growing
Instant account-to-account payments, a lower-cost alternative to cards, gaining real momentum.
Open banking
Built for the US open banking framework under CFPB Section 1033: data portability the person controls.
Identity and anti-fraud
Steady investment in Identity Verification, Signal and the Beacon network. Trust at the point of connection.
Buy together. Build together. Sell together. Take risk together.
Plaid's permission and 🤫's receipt are the same idea. Here is how they become one product.
Buy together: pay-by-bank volume
Transfer and Signal power account-to-account payments for thousands of apps.
🤫 routes consented, agent-initiated pay by bank through Plaid, with a receipt for every transfer.
New volume on Plaid's rails, from agents acting by consent.
Build together: consented connection
Plaid connects accounts only with the person's permission.
🤫 Agent One starts that connection for the person and records a PCHP receipt for it.
Account connection that is verified and revocable on the person's side.
Build together: agent-initiated pay by bank
Plaid Transfer moves money once it is authorized.
Agent One authorizes and starts each transfer by explicit consent, with a receipt.
Pay by bank that an agent can drive and both sides can audit.
Sell together: the consent-first money agent
Plaid powers thousands of fintechs.
🤫 is the agent their users bring with them: one consented identity and payment rail, everywhere.
A consent layer on top of Plaid-powered apps that grows the network.
Take risk together: a pilot
Beacon guards the network against fraud.
Agent One's receipt makes every agent-initiated action clear and traceable, a fresh signal for trust.
A consent-first, fraud-aware pilot for agent-initiated finance.
The people building Plaid.
Zach Perret
Co-founder and CEO
Has led Plaid since 2012 toward open finance, a financial system built on the person's permission. A person's own agent, carrying a receipt for every access, takes that principle one step further.
William Hockey
Co-founder
Co-founded Plaid and helped shape its infrastructure-first view of money movement, the same rails where agent-initiated, receipted payments fit.
One consented rail for a person's money.
Plaid moves data and value only with the person's permission. 🤫 turns that permission into a receipt the person keeps. Together, a person's own agent gets a consent-first, auditable way to connect accounts and move value. Private, sovereign AI for the most personal data there is. And 🤫 Agent One is free to every American.