Authorization
Connection authority stays explicit.
Plaid Link handles institution authentication. OwnCents exchanges and encrypts access tokens on the server; access tokens and institution credentials are never returned to the browser.
Bank connectivity
Connect Plaid with clear boundaries.
Use Plaid Link to connect eligible institutions and normalize supported account, balance, transaction, and recurring data.
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Plaid data flow
Data
What can enter the normalized layer.
Eligible institution and account metadata
Supported balance fields
Pending and finalized transactions
Supported recurring transaction streams
Security
Sensitive material stays server-side.
Sensitive connection actions use server-side workspace checks and step-up MFA. Tokens are encrypted, webhook signatures are verified, and synchronization is bounded and leased.
What it does
- Connect supported institutions
- Synchronize supported financial records
- Normalize provider fields into canonical OwnCents models
What it does not do
- Receive online banking passwords
- Initiate ACH, wire, or card payments
- Guarantee institution uptime or data completeness
Setup
A short, reviewable connection flow.
- 01
Open Plaid Link from an authorized workspace.
- 02
Authenticate with an eligible institution.
- 03
Choose supported accounts.
- 04
Allow the bounded server-side sync to normalize records.
Important limitation: Institution coverage, provider fields, balances, and refresh timing vary. OwnCents never uses Plaid to initiate or distribute payments.
FAQ
Questions about Plaid.
- Who handles institution login?
- Plaid Link handles the institution authentication experience; OwnCents does not receive the online banking password.
- How quickly does data refresh?
- Timing depends on Plaid and the institution, so time-sensitive data should be confirmed at the source.
- Can Plaid data post to the ledger automatically?
- No. Normalized operating data and controlled accounting posting are separate workflows.
Related product
See where normalized data becomes useful.
Cash and money movement
Organize every supported financial account around its purpose
Understand account type, balance context, mapping, and activity across eligible connected sources.
Cash and money movement
Make every observed money movement easier to explain
Normalize inflows, outflows, status, account, and source context into a consistent transaction view.
Cash and money movement
See the operating forces behind every cash change
Compare inflows, outflows, and net movement with paths back to normalized activity.
See it in context
Connect Plaid to a clearer financial operation.
Explore a fixed fictional workspace, or start a trial with your own supported financial data.