Plaid wouldn't exist if there had been practical open banking APIs. Remember their original use case was to offer third-party services something with a little

Plaid wouldn't exist if there had been practical open banking APIs. Remember their original use case was to offer third-party services something with a little more guiderails than "enter your ACH info and cross your fingers" and a little less clumsy than "we'll take that info and make some test deposits that you have to read back to confirm it's your account."