naftiko: 1.0.0-alpha2 info: label: Plaid credit/ — Plaid description: 'Plaid credit/ — Plaid. 23 operations. Lead operation: Plaid Retrieve information from the bank accounts used for employment verification. Self-contained Naftiko capability covering one Plaid business surface.' tags: - Plaid created: '2026-05-19' modified: '2026-05-19' binds: - namespace: env keys: PLAID_API_KEY: PLAID_API_KEY capability: consumes: - type: http namespace: credit--plaid baseUri: https://production.plaid.com description: Plaid credit/ — Plaid business capability. Self-contained, no shared references. resources: - name: beta-credit-v1-bank_employment-get path: /beta/credit/v1/bank_employment/get operations: - name: creditbankemploymentget method: POST description: Plaid Retrieve information from the bank accounts used for employment verification outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-asset_report-freddie_mac-get path: /credit/asset_report/freddie_mac/get operations: - name: creditassetreportfreddiemacget method: POST description: Plaid Retrieve an Asset Report with Freddie Mac format. Only Freddie Mac can use this endpoint. outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-audit_copy_token-create path: /credit/audit_copy_token/create operations: - name: creditauditcopytokencreate method: POST description: Plaid Create Asset or Income Report Audit Copy Token outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-audit_copy_token-remove path: /credit/audit_copy_token/remove operations: - name: creditreportauditcopyremove method: POST description: Plaid Remove an Audit Copy token outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-audit_copy_token-update path: /credit/audit_copy_token/update operations: - name: creditauditcopytokenupdate method: POST description: Plaid Update an Audit Copy Token outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-bank_income-get path: /credit/bank_income/get operations: - name: creditbankincomeget method: POST description: Plaid Retrieve information from the bank accounts used for income verification outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-bank_income-pdf-get path: /credit/bank_income/pdf/get operations: - name: creditbankincomepdfget method: POST description: Plaid Retrieve information from the bank accounts used for income verification in PDF format outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-bank_income-refresh path: /credit/bank_income/refresh operations: - name: creditbankincomerefresh method: POST description: Plaid Refresh a user's bank income information outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-bank_income-webhook-update path: /credit/bank_income/webhook/update operations: - name: creditbankincomewebhookupdate method: POST description: Plaid Subscribe and unsubscribe to proactive notifications for a user's income profile outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-bank_statements-uploads-get path: /credit/bank_statements/uploads/get operations: - name: creditbankstatementsuploadsget method: POST description: Plaid Retrieve data for a user's uploaded bank statements outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-employment-get path: /credit/employment/get operations: - name: creditemploymentget method: POST description: Plaid Retrieve a summary of an individual's employment information outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-freddie_mac-reports-get path: /credit/freddie_mac/reports/get operations: - name: creditfreddiemacreportsget method: POST description: Plaid Retrieve an Asset Report with Freddie Mac format (aka VOA - Verification Of Assets), and a Verification Of Employment (VOE) report if this one is available. Only Freddie Mac can use this endpoint. outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-payroll_income-get path: /credit/payroll_income/get operations: - name: creditpayrollincomeget method: POST description: Plaid Retrieve a user's payroll information outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-payroll_income-parsing_config-update path: /credit/payroll_income/parsing_config/update operations: - name: creditpayrollincomeparsingconfigupdate method: POST description: Plaid Update the parsing configuration for a document income verification outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-payroll_income-precheck path: /credit/payroll_income/precheck operations: - name: creditpayrollincomeprecheck method: POST description: Plaid Check income verification eligibility and optimize conversion outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-payroll_income-refresh path: /credit/payroll_income/refresh operations: - name: creditpayrollincomerefresh method: POST description: Plaid Refresh a digital payroll income verification outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-payroll_income-risk_signals-get path: /credit/payroll_income/risk_signals/get operations: - name: creditpayrollincomerisksignalsget method: POST description: Plaid Retrieve fraud insights for a user's manually uploaded document(s). outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-relay-create path: /credit/relay/create operations: - name: creditrelaycreate method: POST description: Plaid Create a relay token to share an Asset Report with a partner client outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-relay-get path: /credit/relay/get operations: - name: creditrelayget method: POST description: Plaid Retrieve the reports associated with a relay token that was shared with you outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-relay-pdf-get path: /credit/relay/pdf/get operations: - name: creditrelaypdfget method: POST description: Plaid Retrieve the pdf reports associated with a relay token that was shared with you (beta) outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-relay-refresh path: /credit/relay/refresh operations: - name: creditrelayrefresh method: POST description: Plaid Refresh a report of a relay token outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-relay-remove path: /credit/relay/remove operations: - name: creditrelayremove method: POST description: Plaid Remove relay token outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true - name: credit-sessions-get path: /credit/sessions/get operations: - name: creditsessionsget method: POST description: Plaid Retrieve Link sessions for your user outputRawFormat: json outputParameters: - name: result type: object value: $. inputParameters: - name: body in: body type: object description: Request body (JSON). required: true exposes: - type: rest namespace: credit--plaid-rest port: 8080 description: REST adapter for Plaid credit/ — Plaid. One Spectral-compliant resource per consumed operation, prefixed with /v1. resources: - path: /v1/beta/credit/v1/bank-employment/get name: beta-credit-v1-bank-employment-get description: REST surface for beta-credit-v1-bank_employment-get. operations: - method: POST name: creditbankemploymentget description: Plaid Retrieve information from the bank accounts used for employment verification call: credit--plaid.creditbankemploymentget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/asset-report/freddie-mac/get name: credit-asset-report-freddie-mac-get description: REST surface for credit-asset_report-freddie_mac-get. operations: - method: POST name: creditassetreportfreddiemacget description: Plaid Retrieve an Asset Report with Freddie Mac format. Only Freddie Mac can use this endpoint. call: credit--plaid.creditassetreportfreddiemacget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/audit-copy-token/create name: credit-audit-copy-token-create description: REST surface for credit-audit_copy_token-create. operations: - method: POST name: creditauditcopytokencreate description: Plaid Create Asset or Income Report Audit Copy Token call: credit--plaid.creditauditcopytokencreate with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/audit-copy-token/remove name: credit-audit-copy-token-remove description: REST surface for credit-audit_copy_token-remove. operations: - method: POST name: creditreportauditcopyremove description: Plaid Remove an Audit Copy token call: credit--plaid.creditreportauditcopyremove with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/audit-copy-token/update name: credit-audit-copy-token-update description: REST surface for credit-audit_copy_token-update. operations: - method: POST name: creditauditcopytokenupdate description: Plaid Update an Audit Copy Token call: credit--plaid.creditauditcopytokenupdate with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/bank-income/get name: credit-bank-income-get description: REST surface for credit-bank_income-get. operations: - method: POST name: creditbankincomeget description: Plaid Retrieve information from the bank accounts used for income verification call: credit--plaid.creditbankincomeget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/bank-income/pdf/get name: credit-bank-income-pdf-get description: REST surface for credit-bank_income-pdf-get. operations: - method: POST name: creditbankincomepdfget description: Plaid Retrieve information from the bank accounts used for income verification in PDF format call: credit--plaid.creditbankincomepdfget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/bank-income/refresh name: credit-bank-income-refresh description: REST surface for credit-bank_income-refresh. operations: - method: POST name: creditbankincomerefresh description: Plaid Refresh a user's bank income information call: credit--plaid.creditbankincomerefresh with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/bank-income/webhook/update name: credit-bank-income-webhook-update description: REST surface for credit-bank_income-webhook-update. operations: - method: POST name: creditbankincomewebhookupdate description: Plaid Subscribe and unsubscribe to proactive notifications for a user's income profile call: credit--plaid.creditbankincomewebhookupdate with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/bank-statements/uploads/get name: credit-bank-statements-uploads-get description: REST surface for credit-bank_statements-uploads-get. operations: - method: POST name: creditbankstatementsuploadsget description: Plaid Retrieve data for a user's uploaded bank statements call: credit--plaid.creditbankstatementsuploadsget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/employment/get name: credit-employment-get description: REST surface for credit-employment-get. operations: - method: POST name: creditemploymentget description: Plaid Retrieve a summary of an individual's employment information call: credit--plaid.creditemploymentget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/freddie-mac/reports/get name: credit-freddie-mac-reports-get description: REST surface for credit-freddie_mac-reports-get. operations: - method: POST name: creditfreddiemacreportsget description: Plaid Retrieve an Asset Report with Freddie Mac format (aka VOA - Verification Of Assets), and a Verification Of Employment (VOE) report if this one is available. Only Freddie Mac can use this endpoint. call: credit--plaid.creditfreddiemacreportsget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/payroll-income/get name: credit-payroll-income-get description: REST surface for credit-payroll_income-get. operations: - method: POST name: creditpayrollincomeget description: Plaid Retrieve a user's payroll information call: credit--plaid.creditpayrollincomeget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/payroll-income/parsing-config/update name: credit-payroll-income-parsing-config-update description: REST surface for credit-payroll_income-parsing_config-update. operations: - method: POST name: creditpayrollincomeparsingconfigupdate description: Plaid Update the parsing configuration for a document income verification call: credit--plaid.creditpayrollincomeparsingconfigupdate with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/payroll-income/precheck name: credit-payroll-income-precheck description: REST surface for credit-payroll_income-precheck. operations: - method: POST name: creditpayrollincomeprecheck description: Plaid Check income verification eligibility and optimize conversion call: credit--plaid.creditpayrollincomeprecheck with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/payroll-income/refresh name: credit-payroll-income-refresh description: REST surface for credit-payroll_income-refresh. operations: - method: POST name: creditpayrollincomerefresh description: Plaid Refresh a digital payroll income verification call: credit--plaid.creditpayrollincomerefresh with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/payroll-income/risk-signals/get name: credit-payroll-income-risk-signals-get description: REST surface for credit-payroll_income-risk_signals-get. operations: - method: POST name: creditpayrollincomerisksignalsget description: Plaid Retrieve fraud insights for a user's manually uploaded document(s). call: credit--plaid.creditpayrollincomerisksignalsget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/relay/create name: credit-relay-create description: REST surface for credit-relay-create. operations: - method: POST name: creditrelaycreate description: Plaid Create a relay token to share an Asset Report with a partner client call: credit--plaid.creditrelaycreate with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/relay/get name: credit-relay-get description: REST surface for credit-relay-get. operations: - method: POST name: creditrelayget description: Plaid Retrieve the reports associated with a relay token that was shared with you call: credit--plaid.creditrelayget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/relay/pdf/get name: credit-relay-pdf-get description: REST surface for credit-relay-pdf-get. operations: - method: POST name: creditrelaypdfget description: Plaid Retrieve the pdf reports associated with a relay token that was shared with you (beta) call: credit--plaid.creditrelaypdfget with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/relay/refresh name: credit-relay-refresh description: REST surface for credit-relay-refresh. operations: - method: POST name: creditrelayrefresh description: Plaid Refresh a report of a relay token call: credit--plaid.creditrelayrefresh with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/relay/remove name: credit-relay-remove description: REST surface for credit-relay-remove. operations: - method: POST name: creditrelayremove description: Plaid Remove relay token call: credit--plaid.creditrelayremove with: body: rest.body outputParameters: - type: object mapping: $. - path: /v1/credit/sessions/get name: credit-sessions-get description: REST surface for credit-sessions-get. operations: - method: POST name: creditsessionsget description: Plaid Retrieve Link sessions for your user call: credit--plaid.creditsessionsget with: body: rest.body outputParameters: - type: object mapping: $. - type: mcp namespace: credit--plaid-mcp port: 9090 transport: http description: MCP adapter for Plaid credit/ — Plaid. One tool per consumed operation, routed inline through this capability's consumes block. tools: - name: plaid-retrieve-information-bank-accounts description: Plaid Retrieve information from the bank accounts used for employment verification hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditbankemploymentget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-asset-report-freddie description: Plaid Retrieve an Asset Report with Freddie Mac format. Only Freddie Mac can use this endpoint. hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditassetreportfreddiemacget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-create-asset-income-report description: Plaid Create Asset or Income Report Audit Copy Token hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditauditcopytokencreate with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-remove-audit-copy-token description: Plaid Remove an Audit Copy token hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditreportauditcopyremove with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-update-audit-copy-token description: Plaid Update an Audit Copy Token hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditauditcopytokenupdate with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-information-bank-accounts-2 description: Plaid Retrieve information from the bank accounts used for income verification hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditbankincomeget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-information-bank-accounts-3 description: Plaid Retrieve information from the bank accounts used for income verification in PDF format hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditbankincomepdfget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-refresh-user-s-bank-income description: Plaid Refresh a user's bank income information hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditbankincomerefresh with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-subscribe-and-unsubscribe-proactive description: Plaid Subscribe and unsubscribe to proactive notifications for a user's income profile hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditbankincomewebhookupdate with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-data-user-s-uploaded description: Plaid Retrieve data for a user's uploaded bank statements hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditbankstatementsuploadsget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-summary-individual-s-employment description: Plaid Retrieve a summary of an individual's employment information hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditemploymentget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-asset-report-freddie-2 description: Plaid Retrieve an Asset Report with Freddie Mac format (aka VOA - Verification Of Assets), and a Verification Of Employment (VOE) report if this one is available. Only Freddie Mac can use this endpoint. hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditfreddiemacreportsget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-user-s-payroll-information description: Plaid Retrieve a user's payroll information hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditpayrollincomeget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-update-parsing-configuration-document description: Plaid Update the parsing configuration for a document income verification hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditpayrollincomeparsingconfigupdate with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-check-income-verification-eligibility description: Plaid Check income verification eligibility and optimize conversion hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditpayrollincomeprecheck with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-refresh-digital-payroll-income description: Plaid Refresh a digital payroll income verification hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditpayrollincomerefresh with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-fraud-insights-user-s description: Plaid Retrieve fraud insights for a user's manually uploaded document(s). hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditpayrollincomerisksignalsget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-create-relay-token-share description: Plaid Create a relay token to share an Asset Report with a partner client hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditrelaycreate with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-reports-associated-relay description: Plaid Retrieve the reports associated with a relay token that was shared with you hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditrelayget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-pdf-reports-associated description: Plaid Retrieve the pdf reports associated with a relay token that was shared with you (beta) hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditrelaypdfget with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-refresh-report-relay-token description: Plaid Refresh a report of a relay token hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditrelayrefresh with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-remove-relay-token description: Plaid Remove relay token hints: readOnly: false destructive: false idempotent: false call: credit--plaid.creditrelayremove with: body: tools.body outputParameters: - type: object mapping: $. - name: plaid-retrieve-link-sessions-your description: Plaid Retrieve Link sessions for your user hints: readOnly: true destructive: false idempotent: false call: credit--plaid.creditsessionsget with: body: tools.body outputParameters: - type: object mapping: $.