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Plaid has raised billions in funding (they may not even want the call history itself, but it contains my contacts, which many companies do desperately want.) I would think with plaid using bank logos to make their “fake” bank login forms look legitimate, banks would be after plaid with lawsuits

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But apparently some of them are investors Car companies using your location data to sell your driving habits to insurance companies, or plaid selling people's entire financial transaction history On plaid’s website citi, american express, and others are listed as investors.

As i understand it, plaid now potentially has my username and password stored somewhere

Now let's say that i change my username and password to something that isn't in plaid Am i now mostly protected against a malicious actor logging into my account if they get my username and password from plaid What if they take control of plaid? Let's say you trade on coinbase

Every time you need to deposit money via plaid, you Change the password to your online bank account pair your bank with coinbase deposit money unpair your bank (i'm not sure if necessary) change back the password Would you consider this approach 100% safe? Plaid is a service provider, mint is a service

As @schroeder says, however, we'd need to know what criticisms you're looking at to have useful feedback.

I am filling out a form to set up a recurring payment with a local government building The form requests that i put my credit card number, expiration date, and cvv number, which i'm a little hesit. Access tokens are according to the rfc supposed to be limited access Rather than worrying about where to store something of high value where the server might be compromised, it's better to simply limit the duration of access to the token

This is spelled out specifically in the rfc for bearer tokens I'll be using the plaid api, which abstracts away account/routing numbers, etc Thus, what i'll have access to, and be trying to store, would be the account name, balance, type, and transactional data (amount, location, name, type, date, category) I'd also like to store the user's name and email.

When linking a bank account, one of the options on venmo is to provide the username and password of your online banking account

I can't seem to find people criticizing this practice, which surpris.