Plaid MCP for AI Agents

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with Plaid MCP or direct API to monitor item health, check Link conversion rates, inspect API volumes, and surface team discovery through natural language.

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Dcr Oauth

Plaid MCP is Plaid's diagnostics and analytics service for production Items, Link flows, and API metrics. Use it to monitor Link conversion, surface Item health, and understand API volumes quickly.

5 Tools

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Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
Plaid MCP
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TOOLS

Supported Tools

Every Plaid MCP action and event your agent gets out of the box.

Plaid debug item

Diagnose a Plaid item by retrieving its state information.

Plaid get link analytics

Retrieves Plaid Link analytics data for analyzing user conversion and error rates.

Plaid get tools introduction

Returns a list of all available tools with a brief introduction for each.

Plaid get usages

Retrieves usage metrics for Plaid products and services.

Plaid list teams

Retrieve teams associated with the user and present them as a selectable list.

SETUP GUIDE

Connect Plaid MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
Install the Composio SDK for Python or TypeScript
2

Initialize Client and Create Tool Router Session

typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });
const session = await composio.create('your-user-id');
// Example API calls you may use with Composio SDK: auth_configs.create(), connected_accounts.link(), mcp.create()
console.log(`Tool Router session created: ${session.mcp.url}`);
Import and initialize the Composio client, then create a Tool Router session for Plaid MCP
3

Connect to AI Agent

typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: session.mcp.url,
    headers: {
      'x-api-key': 'your-composio-api-key',
    },
  },
});

const tools = await client.tools();
const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{
    role: 'user',
    content: 'YOUR_SPECIFIC_PROMPT_HERE'
  }],
  maxSteps: 5,
});

console.log(`Agent: ${text}`);
Use the MCP server with your AI agent (Anthropic Claude or Mastra)
SETUP GUIDE

Connect Plaid MCP API Tool with your Agent

1

Install Composio

typescript
npm install @composio/openai
Install the Composio SDK
2

Initialize Composio and Create Tool Router Session

typescript
import OpenAI from 'openai';
import { Composio } from '@composio/core';
import { OpenAIResponsesProvider } from '@composio/openai';

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
Import and initialize Composio client, then create a Tool Router session
3

Execute Plaid MCP Tools via Tool Router with Your Agent

typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'YOUR_SPECIFIC_PROMPT_HERE'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
Get tools from Tool Router session and execute Plaid MCP actions with your Agent

Why Use Composio?

AI Native Plaid MCP Integration

  • Supports both Plaid MCP and direct API based integrations
  • Structured, LLM-friendly schemas for reliable tool execution
  • Rich coverage for reading and querying Plaid MCP diagnostics and metrics

Managed Auth

  • Built-in OAuth handling with automatic token refresh and rotation for managed integrations
  • Central place to manage, scope, and revoke Plaid MCP access
  • Per user and per environment credentials instead of hard-coded keys

Agent Optimized Design

  • Tools are tuned using real error and success rates to improve reliability over time
  • Comprehensive execution logs so you always know what ran, when, and on whose behalf

Enterprise Grade Security

  • Fine-grained RBAC so you control which agents and users can access Plaid MCP
  • Scoped, least privilege access to Plaid MCP resources
  • Full audit trail of agent actions to support review and compliance
FRAMEWORKS

Use Plaid MCP with any AI Agent Framework

Choose a Framework you want to connect Plaid MCP with

FAQ

Frequently asked questions

Yes, Plaid MCP requires you to configure your own Dcr Oauth credentials. Once set up, Composio handles secure credential storage and management for you.

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. Learn more.

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

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