@splitin/verification-adapter-plaid-idv

Official Plaid Identity Verification plugin for the Universal Open-Source Verification Adapter SDK.

This adapter is IDV-only. It does not implement Auth, Identity (non-IDV), Monitor, payments, or bank account products. Redaction is advertised as notApplicable because Plaid does not expose an IDV redaction API.

Install

npm install @splitin/verification-adapter-plaid-idv @splitin/verification-adapter-sdk

Optional browser peer: react-plaid-link.

Usage

Construct with an injected ProviderRuntimeContext. API hosts are code-owned: sandbox.plaid.com and production.plaid.com. Configuration cannot supply an arbitrary production origin.

import { createDefaultRuntime } from '@splitin/verification-adapter-sdk';
import {
  PlaidIdvVerificationAdapter,
  createPlaidIdvConfiguration,
  plaidIdvProviderManifest,
} from '@splitin/verification-adapter-plaid-idv';

const configuration = createPlaidIdvConfiguration(process.env, 'sandbox');
const runtime = createDefaultRuntime('sandbox', configuration, {
  allowedHosts: plaidIdvProviderManifest.apiHosts,
});
const adapter = new PlaidIdvVerificationAdapter(runtime);

Creates use is_idempotent: true. Retries that allocate a new Plaid resource preserve lineage through linkedResources. Webhooks are verified with Plaid's ES256 JWT (jose) over the unmodified request body.

The browser entry (@splitin/verification-adapter-plaid-idv/browser) exports a plaid_link plugin that dynamically imports react-plaid-link.

This package is not a compliance certification.