Plaid

Everything runs as plaid <command> and returns JSON for you to read, not to show the user. Add --help to any command to see its options.

Reads cover every linked institution at once. To narrow to one bank, pass --credential-id <id>, taking the id from body.institutions[] in an earlier read. Some reads also take --account-id <id> (repeatable) to narrow to specific accounts; when more than one institution is linked, pair it with --credential-id so the account ids resolve to the right bank.

Connecting

Plaid needs a one-time connect before any read returns data. Run plaid status. If it comes back not connected, post the exact connect_url it returns as [Connect Plaid](<connect_url>) and wait for the user to finish linking, then run plaid status again before reading. Don't invent a URL, send the user to Settings, or ask for bank credentials.

If the user asks to add or link another bank or institution, run plaid status and post the exact add_account_url it returns as [Add financial account](<add_account_url>). Never reuse connect_url for an additional institution. If add_account_url is absent, say that adding another institution is unavailable.

To disconnect every institution linked through Plaid, run plaid disconnect. If it returns a disconnect_url, post it as [Disconnect Plaid](<disconnect_url>) and wait for the user to confirm through that link; never claim disconnection before they confirm. If it has no URL, say Plaid is already disconnected. A bank-specific unlink is not available from chat: if the user asks to remove only one institution, direct them to that institution's account row in Settings instead of running the whole-Plaid disconnect. Don't set up a background check, goal, or reminder to monitor disconnection.

Common flows

Accounts and balances

List the linked accounts with plaid accounts — names, types, masked numbers, and each account's balances (balances carries available/current/limit). Start here to see what's linked and to answer "how much is in my checking," "what's my total across accounts," or net-worth questions. There is no separate balances command; plaid accounts is the balance read.