{
  "page": "https://wealthtech.dev/products/plaid-investments",
  "title": "Plaid Investments API: access, auth, sandbox and MCP (checked Oct 2026)",
  "description": "Plaid Investments returns holdings, securities and up to 24 months of investment transactions over a REST API. API keys come from a Dashboard sign-up, a free Sandbox is available, and Plaid publishes an OpenAPI 3.0 spec and official client libraries for five languages.",
  "updated": "2026-10-17",
  "data": {
    "$schema": "https://wealthtech.dev/schema/product.schema.json",
    "url": "https://wealthtech.dev/products/plaid-investments",
    "title": "Plaid Investments API: access, auth, sandbox and MCP (checked Oct 2026)",
    "lastChecked": "2026-10-17",
    "id": "plaid-investments",
    "name": "Plaid Investments",
    "vendor": "Plaid Inc.",
    "website": "https://plaid.com/",
    "category": "aggregation",
    "tier": "adjacent",
    "company": "plaid",
    "listed": true,
    "access": {
      "value": "open",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/quickstart/",
      "evidence": "You'll need API keys, which you can receive by signing up in the Dashboard.",
      "capture": "evidence/plaid-investments/plaid-com-docs-quickstart.txt",
      "note": "Sandbox keys come from a Dashboard sign-up. Production use needs separate Production access (see sandbox page, 'Limited Production' and Trial plan sections)."
    },
    "docsUrl": {
      "value": "https://plaid.com/docs/investments/",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/investments/",
      "evidence": "The Investments product allows you to obtain holding, security, and transactions data for investment-type accounts",
      "capture": "evidence/plaid-investments/plaid-com-docs-investments.txt",
      "note": null
    },
    "style": {
      "value": [
        "rest"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/sandbox/",
      "evidence": "The Sandbox can be reached by sending HTTPS POST requests to the endpoints on the sandbox.plaid.com domain.",
      "capture": "evidence/plaid-investments/plaid-com-docs-sandbox.txt",
      "note": "HTTPS POST endpoints; JSON bodies shown in the docs."
    },
    "auth": {
      "value": [
        "api-key"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/investments/add-to-app/",
      "evidence": "initialize them by passing in your client_id, secret, and the environment you wish to connect to",
      "capture": "evidence/plaid-investments/plaid-com-docs-investments-add-to-app.txt",
      "note": "client_id plus secret per environment; end users link accounts through Plaid Link and the app exchanges a public_token for an access_token."
    },
    "howToGetAccess": {
      "value": "Sign up in the Plaid Dashboard to get a client ID and Sandbox secret; apply for Production access in the Dashboard.",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/quickstart/",
      "evidence": "You'll need API keys, which you can receive by signing up in the Dashboard.",
      "capture": "evidence/plaid-investments/plaid-com-docs-quickstart.txt",
      "note": null
    },
    "sandbox": {
      "value": "yes-self-serve",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/sandbox/",
      "evidence": "The Plaid Sandbox is a free and fully-featured environment for application development and testing.",
      "capture": "evidence/plaid-investments/plaid-com-docs-sandbox.txt",
      "note": null
    },
    "rateLimits": {
      "value": "/investments/holdings/get: 15 per minute per Item and 2,000 per minute per client in Production; /investments/transactions/get: 30 per minute per Item in Production.",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/errors/rate-limit-exceeded/",
      "evidence": "requests to /investments/holdings/get are rate limited to 15 per minute (per Item) and 2,000 per minute (per client)",
      "capture": "evidence/plaid-investments/plaid-com-docs-errors-rate-limit-exceeded.txt",
      "note": "The second figure (30 per minute per Item for /investments/transactions/get) is quoted on the same page: 'requests to /investments/transactions/get are rate limited to 30 per minute (per Item)'."
    },
    "webhooks": {
      "value": true,
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/investments/",
      "evidence": "Listen for the HOLDINGS: DEFAULT_UPDATE and INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE webhooks to know when updated data is available.",
      "capture": "evidence/plaid-investments/plaid-com-docs-investments.txt",
      "note": null
    },
    "sdks": {
      "value": [
        "Node",
        "Python",
        "Ruby",
        "Java",
        "Go"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/api/libraries/",
      "evidence": "Plaid offers official API libraries for different programming languages",
      "capture": "evidence/plaid-investments/plaid-com-docs-api-libraries.txt",
      "note": "Official client libraries listed on the page: plaid-node, plaid-python, plaid-ruby, plaid-java, plaid-go. A Postman Collection is also linked in the docs nav."
    },
    "openapi": {
      "value": "published",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://github.com/plaid/plaid-openapi",
      "evidence": "Plaid uses the OpenAPI 3.0.0 specification to schematize our docs and to generate our supported client libraries.",
      "capture": "evidence/plaid-investments/github-com-plaid-plaid-openapi.txt",
      "note": "Published at https://github.com/plaid/plaid-openapi."
    },
    "partnerProgram": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No partner program page located within the docs pages read (docs nav lists 'Partnerships', 'Processor partners' and 'Reseller partners' sections but they were not captured)."
    },
    "publicIntegrationList": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No public list of integrations for the Investments product found on the pages read."
    },
    "connectionMechanisms": {
      "value": [
        "native-api"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://plaid.com/docs/investments/",
      "evidence": "Call /investments/holdings/get to retrieve security and holding data",
      "capture": "evidence/plaid-investments/plaid-com-docs-investments.txt",
      "note": null
    },
    "mcp": [
      "plaid-dashboard-mcp"
    ],
    "whatDocsDontSay": [
      "The docs state that Limited Production caps the total number of Items and blocks some major institutions, but give no number for the cap on the pages read.",
      "The Sandbox page says Investments webhooks typically do not fire in Sandbox because holdings are not dynamic there, so webhook handling for Investments cannot be fully exercised before Production or a Trial plan.",
      "The Dashboard MCP server on plaid.com is documented as Production diagnostics and analytics tooling, not an Investments data connector."
    ],
    "changelog": [],
    "summary": "Plaid Investments returns holdings, securities and up to 24 months of investment transactions over a REST API. API keys come from a Dashboard sign-up, a free Sandbox is available, and Plaid publishes an OpenAPI 3.0 spec and official client libraries for five languages.",
    "license": "CC BY 4.0",
    "attribution": "wealthtech.dev",
    "publisher": "wealthtech.dev"
  }
}