name: Plaid API FinOps
specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Plaid
providerId: plaid
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-04'
reconciled: true
tags:
  - FinOps
  - FOCUS
  - Fintech
description: FOCUS-aligned FinOps for Plaid.
sources:
  - https://plaid.com/pricing/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Plaid Inc.
serviceCategory: Fintech APIs
billingModel:
  pricingCategory: Mixed (One-Time + Subscription + Per-Request)
  billingFrequency: Monthly
  billingCurrency: USD
focusColumns:
  ServiceName: Plaid
  ServiceCategory: Fintech APIs
  ProviderName: Plaid
  PublisherName: Plaid Inc.
  BillingCurrency: USD
meters:
  - name: auth_account_links
    unit: account-link
    aggregation: sum
  - name: identity_calls
    unit: call
    aggregation: sum
  - name: income_account_links
    unit: account-link
    aggregation: sum
  - name: transactions_calls
    unit: call
    aggregation: sum
  - name: balance_calls
    unit: call
    aggregation: sum
  - name: asset_reports
    unit: report
    aggregation: sum
  - name: monthly_active_users
    unit: MAU
    aggregation: max
principles:
  - name: Visibility
    description: Plaid Dashboard usage exports daily; reconcile per-product line items.
  - name: Allocation
    description: Use webhook user_id metadata to attribute calls to internal user/team.
  - name: Optimization
    description: Migrate /transactions/get to /transactions/sync; cache Identity/Auth responses.
  - name: Accountability
    description: Negotiate annual minimums against forecasted MAU; renegotiate at 10k MAU.