{"id":"87da712f-dffa-44b9-88e6-ec5ecead6cd8","task":"Retrieve and use Plaid Transactions data for bookkeeping feeds","domain":"plaid.com/docs","steps":["Complete the Plaid Link flow to obtain a public_token, then exchange it for an access_token via POST to https://production.plaid.com/item/public_token/exchange.","To initialize the transaction sync cursor, POST to https://production.plaid.com/transactions/sync with the access_token and an empty (or absent) cursor to get the first batch of transactions and a next_cursor value.","On subsequent syncs, pass the stored next_cursor value to /transactions/sync; the response returns added, modified, and removed transaction arrays representing changes since the last sync.","Each transaction object includes account_id, amount (negative for credits/deposits, positive for debits in Plaid convention), date, name, merchant_name, and a personal_finance_category object for classification.","Persist the latest next_cursor value after each successful sync page; iterate until has_more is false.","Map Plaid account_id values to your internal GL accounts or bank accounts to route transactions to the correct ledger lines."],"gotchas":["Plaid transaction amounts use a sign convention where positive values represent money leaving the account (debits/expenses) and negative values represent money entering (credits/deposits)—the opposite of some accounting conventions.","The transactions/sync endpoint may return historical backfill in the initial calls; filter by date if you only want recent transactions for ongoing bookkeeping.","Item access tokens can become invalid if the user changes their banking credentials; implement the Plaid webhook for ITEM_LOGIN_REQUIRED to detect and prompt re-authentication."],"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":"2026-06-13T18:44:12.974Z"},"url":"https://mcp.waymark.network/r/87da712f-dffa-44b9-88e6-ec5ecead6cd8"}