Plaid

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Consented bank-connected payment, identity and risk dataset generated as a byproduct of powering account linking for consumer apps, specialised here to gaming and prediction-market operators: per-deposit ACH transaction records with counterparty and funding-source detail, identity-verification (KYC/AML) records, and a derived risk layer of 80+ predictive attributes scored in real time before funds move. Continuous monitoring emits behavioural signals across three joined surfaces — identity, device and linked financial accounts — that detect fraud, bonus abuse and multi-accounting. As a byproduct of the wider network this implies aggregate consumer-cash-flow data (deposit timing and cadence, funding-pattern shifts, balance behaviour) across a very large share of US consumer bank accounts, plus merchant-level flows between banks and apps.