Plaid
Plaid is a US - contrast fintech-infrastructure provider (Open banking). Verified at source - licence, regulator and registry reference. Active (contrast)
Who it's for
Plaid is built for products using bank-account data or bank-to-bank payments over PSD2 rails. It operates under a payment institution licence.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: US (US)
What Plaid does
Verified licence profile
Plaid (San Francisco, US; founded 2013) - open-banking / data network across 12,000+ institutions in US/CA/UK/EU, with a growing EU presence (London + Amsterdam). A contrast reference vs European OB (Tink/TrueLayer/Yapily); US-HQ = CLOUD Act exposure.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Plaid? Work with us →
Official register entries
- Payment institution (PI) - The Netherlands Bank · Ref R179714 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to Plaid
Aiia (Denmark) - open banking data and payments across 3,000+ European banks; now Mastercard Open Banking Services Europe A/S (Mastercard-owned).
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
Autopay (Blue Media S.A., Poland) - online payments and account-to-account: BLIK, cards and open banking. National Payment Institution, KNF (since 2013).
Belvo (Spanish-founded, 2019) - open finance / open banking APIs (account aggregation, payment initiation); now primarily focused on Latin America (payment-institution authorisation in Mexico; also Brazil and Colombia).
Bridge (France) - open banking AIS/PIS by Bankin' (ACPR-regulated group): account data and A2A payments.
Brite AB (org.nr 559116-1632) - licensed Payment Institution, Swedish FSA (Finansinspektionen); instant A2A / pay-by-bank across Nordics + EU.
FAQ
Is Plaid European / EEA-based?
Plaid is US origin (US) and is not fully EEA-based; shown as a contrast/comparison.
What does Plaid do?
Plaid covers: Open banking. Verified at source by Fintechnologica.