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Plaid Inc is a U.S.–based financial infrastructure company founded in 2013 by Zach Perret and William Hockey, headquartered at 1098 Harrison Street, San Francisco, California. It builds APIs that power secure access to bank data, enabling applications like Venmo, Coinbase, and Chime to link accounts, verify balances, initiate payments, assess income/assets, manage fraud, and more across multiple markets including the U.S., UK, France, Spain, Ireland, and the Netherlands. In 2024, more than half of U.S. consumers used Plaid tech at least once, with identity verification usage jumping over 400% and payment initiation usage tripling. The company rebranded in early 2025 to reflect its expansion into fraud, payments, and compliance capabilities, beyond its original bank-linking focus. In April 2025, Plaid raised $575 million with a valuation of ~$6.1 billion, down from its 2021 peak valuation of ~$13.4 billion. Although previously challenged by a DOJ antitrust suit blocking Visa’s $5.3 billion acquisition attempt, Plaid has continued investing in open finance infrastructure and anti–AI fraud tools.
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