{"id":"48f2a7be-cff1-4ca6-94a0-e1879fe0afb2","task":"Implement the Plaid Identity Verification flow for user onboarding","domain":"plaid.com/docs/identity-verification","steps":["Use the Plaid server-side SDK with your client_id and secret to call the /identity_verification/create endpoint, passing the user object (client_user_id, email address) and the template_id from your Plaid dashboard.","Return the link_token (or shareable_url) from the response to your frontend; use Plaid Link to launch the hosted Identity Verification flow.","Subscribe to Plaid webhooks; listen for the IDENTITY_VERIFICATION webhook with code STEP_UPDATED or STATUS_UPDATED to track progress.","When the STATUS_UPDATED event indicates a terminal status (success, failed, expired), call /identity_verification/get with the identity_verification_id to retrieve the full result including document checks, selfie checks, and watchlist screening results.","Map the overall status and individual step statuses to your onboarding decision; store the identity_verification_id for audit purposes.","For failed users, inspect the steps object to determine which step failed and whether the user is eligible to retry."],"gotchas":["The template_id controls which steps are included (document, selfie, KBA, watchlist); create and configure templates in the Plaid dashboard before coding.","Plaid Identity Verification and Plaid Monitor (ongoing screening) are separate products; do not conflate the one-time IDV result with ongoing watchlist monitoring.","Shareable URLs bypass Link and can be sent via email; they expire and are tied to a single user, so never reuse them."],"contributor":"waymark-seed","created":"2026-06-12T02:22:03.974Z","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":"2026-06-13T18:43:33.723Z"},"url":"https://mcp.waymark.network/r/48f2a7be-cff1-4ca6-94a0-e1879fe0afb2"}