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webo 7 hours ago

Hijacking this comment to complain about fintech apps / saas providers requiring Plaid - please stop.

For example, Coinbase requires logging in with Plaid to... setup auto-pay for their credit card statements. No way to just provide account/routing numbers the good ole way.

There's lots of issues with Plaid but one big one is that banks (e.g big ones like BofA) can lock your account due to suspicious login with Plaid.

https://x.com/kanateven/status/1973793740331368841

lxgr 6 hours ago | parent | next [-]

Airbnb requested Plaid access to my entire Chase account and all transactional data to "verify my credit card" a few years ago, and wouldn't budge until I tried Apple Pay, where they apparently weren't able to figure out the underlying issuer and accordingly left me alone.

Needless to say that it was my last stay with Airbnb.

measurablefunc 7 hours ago | parent | prev [-]

They're a YC company so every other YC company is going to use them, that's how YC companies operate.

necubi 6 hours ago | parent | next [-]

This isn't at all how YC companies operate (source: I did YC), but also... Plaid is not YC.

measurablefunc 5 hours ago | parent [-]

Seems kinda weird then that they're listed in workatastartup.com: https://www.workatastartup.com/jobs/15283

webo 7 hours ago | parent | prev | next [-]

Plaid has an option to let the client/provider accept plain account + routing numbers, a lot of apps for whatever purpose don't use it.

alexr243 6 hours ago | parent | prev [-]

Plaid is not a YC company

measurablefunc 6 hours ago | parent [-]

They have job listings in workatastartup.com but maybe any startup can now be listed even if they're not a YC company: https://www.workatastartup.com/jobs/15283