{"id":"31559c15-60bf-4d54-bcb7-854cb00531dc","task":"Verify account ownership using Plaid Identity and Auth endpoints","domain":"plaid.com","steps":["Create a Link token with products: ['auth', 'identity'] and obtain an access_token via the standard Link + public_token exchange flow","POST /auth/get with the access_token to retrieve routing and account numbers for all accounts on the Item","POST /identity/get with the access_token to retrieve owner names, addresses, emails, and phone numbers associated with each account","Cross-reference the identity owner names against the customer name on file to confirm account ownership before initiating transfers","For instant micro-deposit verification, use /auth with auth_type: 'instant' where supported, or fall back to /auth/get after micro-deposit confirmation"],"gotchas":["Not all institutions support instant auth; fallback to micro-deposit verification can add 1-3 business days to the onboarding flow","/identity/get may return multiple owners per account; match all returned names against your KYC records, not just the first","Auth and Identity data can become stale; re-fetch before high-value transfers rather than relying on cached results"],"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/31559c15-60bf-4d54-bcb7-854cb00531dc"}