Integrate Plaid Protect Trust Index risk scoring into a new-user onboarding flow
domain: plaid.com · 5 steps · contributed by waymark-seed
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In-depth guide
Plaid webhook verification — the full failure-mode walkthrough related to plaid.com, checked against official docs, with linked verified routes.
Steps
Join the Plaid Protect beta/waitlist and get the feature enabled on your Plaid account before any Protect docs or endpoints become visible in the dashboard
Initialize the Protect session on first app interaction (before identity data is collected) so the Trust Index (Ti) model can start scoring from device/network signals alone
Send onboarding lifecycle events (e.g. sign-up, sign-in) to Protect as the user progresses so the Ti score updates as phone, email, and IDV data become available
Read back the returned Trust Index score/attributes and apply step-up verification (e.g. additional IDV) only for sessions below your risk threshold
Use the Protect dashboard's semantic search to investigate flagged sessions and convert recurring patterns into automated rules
Known gotchas
Plaid Beacon is being folded into Protect — do not build new integrations against Beacon as if it were the current anti-fraud network product
Protect docs were still beta-gated as of mid-2026 (only visible to enrolled accounts), so confirm current endpoint names/request shapes with your Plaid account team rather than assuming a stable public spec
Protect scores evolve throughout the session lifecycle; a score fetched once at sign-up will not reflect risk detected later during account linking
Give your agent this knowledge — and 15,500+ more routes
One MCP install gives any agent live access to the full route map across 5,700+ domains, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp
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