PlaidEx — Production-grade Plaid API client for Elixir/OTP.

Features

• Full Plaid API coverage — Link, Transactions, Auth, Identity, Investments, Liabilities, Transfer, Signal, Beacon, Assets, Income, Statements, Institutions, Sandbox, and more
• Typed schemas — all responses are typed structs, never raw maps
• Resilient HTTP — exponential backoff, full jitter, circuit breakers, idempotency, per-tenant rate limiting
• Webhook orchestration — signature verification, deduplication, typed events, Oban integration
• Cursor-based sync — durable transaction sync with OTP-supervised workers, pluggable cursor persistence
• Multi-tenant — runtime credential injection, per-tenant process isolation
• OpenTelemetry — distributed tracing across sync workers and webhook handlers
• Telemetry — deep metrics for all operations

Quick start

# config/config.exs
config :plaid_ex,
  client_id: System.get_env("PLAID_CLIENT_ID"),
  secret: System.get_env("PLAID_SECRET"),
  environment: :sandbox

# Create a Link token (server-side only)
{:ok, link} = PlaidEx.create_link_token(
  user: %{client_user_id: "user-abc123"},
  client_name: "Acme Finance",
  products: ["transactions"],
  country_codes: ["US"],
  language: "en"
)

# Exchange public token after Link completes
{:ok, result} = PlaidEx.exchange_public_token("public-sandbox-...")
access_token = result.access_token

# Start continuous transaction sync
{:ok, _pid} = PlaidEx.start_transaction_sync(access_token,
  handler: fn page ->
    MyApp.Transactions.upsert_batch(page.added)
    :ok
  end
)

Multi-tenant quick start

# Register each tenant's credentials at runtime
config = PlaidEx.Config.new!(
  client_id: vault.get("tenant/plaid/client_id"),
  secret: vault.get("tenant/plaid/secret"),
  environment: :production,
  tenant_id: "acme_corp"
)
TenantRegistry.register("acme_corp", config)

# Use tenant config for all API calls
{:ok, token} = PlaidEx.create_link_token(config, user: %{...})

Webhook setup

# In your Phoenix router
forward "/webhooks/plaid", PlaidEx.Webhooks.Plug,
  config: PlaidEx.Config.load!(),
  handler: MyApp.PlaidWebhookHandler

# Handler module
defmodule MyApp.PlaidWebhookHandler do
  use PlaidEx.Webhooks.Handler

  @impl true
  def on_transactions_sync(%{item_id: item_id}) do
    TransactionSync.trigger_sync(
      MyApp.Items.get_access_token!(item_id)
    )
    :ok
  end
end

Configuration reference

See PlaidEx.Config for all available configuration options.

API modules