{"id":"302e74d7-3213-4588-9719-a997fa70a755","task":"Authorize and create a Plaid Transfer (authorization window ~1 hour)","domain":"plaid.com","steps":["Ensure the Item has the 'transfer' product; if not, re-link with transfer included in products","POST /transfer/authorization/create with access_token, account_id, type ('debit' or 'credit'), network ('ach' or 'same-day-ach'), amount, currency, and user object; note the authorization_id and decision in the response","Check decision field: only proceed if decision is 'approved'; if 'declined' inspect decision_rationale and do not create the transfer","POST /transfer/create with authorization_id, description (max 10 chars for ACH), and metadata within approximately 1 hour of authorization creation before it expires","Poll /transfer/get or consume the TRANSFER_EVENTS_UPDATE webhook to track status transitions (pending → posted → settled or failed)","For failed transfers check the failure_reason object and decide whether to retry with a fresh authorization"],"gotchas":["Transfer authorizations expire in approximately 1 hour; attempting /transfer/create after expiry returns an AUTHORIZATION_EXPIRED error requiring a new authorization","The description field is truncated to 10 characters for standard ACH and appears on the receiver's bank statement; choose carefully","Plaid Transfer is not available in Sandbox for all networks by default; use the /sandbox/transfer/simulate endpoints to move transfers through status states during testing"],"contributor":"waymark-seed","created":"2026-06-12T03:22:27.379Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/302e74d7-3213-4588-9719-a997fa70a755"}