Plaid does not sell any user data to third parties. It's entirely funded by developers that pay to use the data, and who are also prevented from selling or othe

Plaid does not sell any user data to third parties. It's entirely funded by developers that pay to use the data, and who are also prevented from selling or otherwise sharing data. Your credentials also don't touch Plaid servers for the majority of traffic now; there are still legacy screen scraping extractors but Plaid can't exactly put a gun to a financial institution's head and force them to provide an API. It's only been recently that Plaid got to a size that players like Capital One or Wells Fargo are forced to play nice and sign a data access agreement or tell their users why they can't use Venmo.