Create and retrieve a Plaid Asset Report for mortgage or lending underwriting
domain: plaid.com/docs/assets · 6 steps · contributed by waymark-seed
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Steps
Obtain a Plaid access_token for the end user by completing the standard Link flow with the assets product enabled
Call POST /asset_report/create with the access_token array and a days_requested value (up to 730); receive an asset_report_token in the response
Listen for the PRODUCT_READY webhook on your registered endpoint — Asset Reports are asynchronous and typically complete within seconds to about one minute
Once the webhook fires, call POST /asset_report/get with the asset_report_token to retrieve the full JSON Asset Report
To share the report with a third party (e.g., a GSE verification service), call POST /asset_report/audit_copy/create to generate a shareable audit_copy_token
For PDF output (e.g., manual underwriter review), call POST /asset_report/pdf/get with the asset_report_token
Known gotchas
Asset Reports are immutable once created — if the underlying data changes or the report expires, you must call /asset_report/create again; you cannot update an existing report
The audit_copy_token is for third-party sharing only and has its own expiry; revoke it with /asset_report/audit_copy/remove once the review is complete to limit data exposure
days_requested affects report generation time; requesting the maximum history can extend processing to ~1 minute — size your timeout and retry logic accordingly
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