https://github.com/tmhsdigital/plaid-developer-tools

Cursor plugin and MCP companion for building on the Plaid API. 17 skills, 7 rules, 30 MCP tools.
https://github.com/tmhsdigital/plaid-developer-tools
banking cursor-plugin developer-tools fintech mcp open-banking plaid plaid-api
Last synced: 3 days ago
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Cursor plugin and MCP companion for building on the Plaid API. 17 skills, 7 rules, 30 MCP tools.
Host: GitHub
URL: https://github.com/tmhsdigital/plaid-developer-tools
Owner: TMHSDigital
License: other
Created: 2026-04-01T15:38:20.000Z (4 days ago)
Default Branch: main
Last Pushed: 2026-04-02T01:46:32.000Z (4 days ago)
Last Synced: 2026-04-02T06:32:46.687Z (3 days ago)
Topics: banking, cursor-plugin, developer-tools, fintech, mcp, open-banking, plaid, plaid-api
Language: TypeScript
Homepage: https://github.com/TMHSDigital/Plaid-Developer-Tools
Size: 3.37 MB
Stars: 0
Watchers: 0
Forks: 0
Open Issues: 0
Metadata Files:
- Readme: README.md
- Changelog: CHANGELOG.md
- Contributing: CONTRIBUTING.md
- License: LICENSE
- Code of conduct: CODE_OF_CONDUCT.md
- Security: SECURITY.md
- Roadmap: ROADMAP.md
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README

          




# Plaid Developer Tools

**Cursor plugin and MCP companion for building on Plaid**

[![Version](https://img.shields.io/badge/version-0.6.0-3B5CFF?style=for-the-badge&logo=data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9IjAgMCAyNCAyNCIgZmlsbD0id2hpdGUiPjxwYXRoIGQ9Ik0xMiAyTDIyIDEyTDEyIDIyTDIgMTJaIi8+PC9zdmc+)](https://github.com/TMHSDigital/Plaid-Developer-Tools)

[![License: CC BY-NC-ND 4.0](https://img.shields.io/badge/License-CC%20BY--NC--ND%204.0-lightgrey?style=for-the-badge)](https://creativecommons.org/licenses/by-nc-nd/4.0/)

[![CI](https://img.shields.io/github/actions/workflow/status/TMHSDigital/Plaid-Developer-Tools/ci.yml?branch=main&label=CI&logo=githubactions&style=for-the-badge)](https://github.com/TMHSDigital/Plaid-Developer-Tools/actions/workflows/ci.yml)

[![Validate](https://img.shields.io/github/actions/workflow/status/TMHSDigital/Plaid-Developer-Tools/validate.yml?branch=main&label=Validate&logo=githubactions&style=for-the-badge)](https://github.com/TMHSDigital/Plaid-Developer-Tools/actions/workflows/validate.yml)

[![CodeQL](https://img.shields.io/github/actions/workflow/status/TMHSDigital/Plaid-Developer-Tools/codeql.yml?branch=main&label=CodeQL&logo=githubactions&style=for-the-badge)](https://github.com/TMHSDigital/Plaid-Developer-Tools/actions/workflows/codeql.yml)

**17 skills** - **7 rules** - **30 MCP tools**

[Features](#skills) - [Rules](#rules) - [MCP tools](#mcp-tools) - [Install](#installation) - [Config](#configuration) - [Roadmap](#roadmap)



---

## Overview

Plaid Developer Tools is a **Cursor** plugin by **TMHSDigital** that packages agent skills, editor rules, and a TypeScript **MCP server** (`mcp-server/`) so you can design, debug, and ship Plaid integrations without leaving the IDE. Production coverage today is **v0.6.0** with fourteen skills, seven rules, and twenty-eight live MCP tools; the rest are staged stubs with version targets on the [roadmap](ROADMAP.md).

**What you get**

| Layer | Role |

| --- | --- |

| **Skills** | Guided workflows: Link, `/transactions/sync`, webhooks, sandbox, categories, errors, and future topics |

| **Rules** | Guardrails: `plaid-secrets`, `plaid-error-handling`, `plaid-env-safety`, and upcoming checks |

| **MCP** | Thirty tools (28 live, 2 stubs) for institutions, items, balances, sync, investments, identity, webhooks, and more |

**Quick facts**

| Item | Detail |

| --- | --- |

| **License** | [CC-BY-NC-ND-4.0](LICENSE) |

| **Author** | [TMHSDigital](https://github.com/TMHSDigital) |

| **Repository** | [github.com/TMHSDigital/Plaid-Developer-Tools](https://github.com/TMHSDigital/Plaid-Developer-Tools) |

| **Runtime** | Node 20+ for MCP server builds |

### How it works

```mermaid

flowchart LR

  U[User / Developer] --> C[Cursor loads plugin]

  C --> S[Skill selected or rule applies]

  S --> M{MCP server configured?}

  M -->|Yes| P[plaid-mcp tools]

  M -->|No| D[Docs-only answers]

  P --> A[Plaid API sandbox / metadata]

  A --> R[Answer in chat or code edits]

  D --> R

```

Expand: end-to-end mental model

1. Install the plugin (symlink into your Cursor plugins directory).

2. Open a Plaid-related task; **rules** such as `plaid-secrets` and `plaid-env-safety` run as you edit.

3. Invoke a **skill** by name (for example `plaid-link-setup` or `plaid-transaction-sync`) when you need a structured workflow.

4. Optionally wire **MCP** so tools like `createLinkToken`, `syncTransactions`, or `verifyWebhookSignature` can call the in-repo server against your credentials.

---

## Compatibility

| Client | Skills | Rules | MCP server (`mcp-server/`) |

| --- | --- | --- | --- |

| **Cursor** | Yes (native plugin) | Yes (`.mdc` rules) | Yes, via MCP config |

| **Claude Code** | Yes, copy `skills/` | Yes, copy `rules/` | Yes, any MCP-capable host |

| **Other MCP clients** | Manual import | Manual import | Yes, stdio or hosted adapter |

---

## Quick start

**1. Clone**

```bash

git clone https://github.com/TMHSDigital/Plaid-Developer-Tools.git

cd Plaid-Developer-Tools

```

**2. Symlink the plugin (pick your OS)**

Windows PowerShell (run as Administrator if your policy requires it):

```powershell

New-Item -ItemType SymbolicLink `

  -Path "$env:USERPROFILE\.cursor\plugins\plaid-developer-tools" `

  -Target (Get-Location)

```

macOS / Linux:

```bash

ln -s "$(pwd)" ~/.cursor/plugins/plaid-developer-tools

```

Adjust the target path to your actual clone location.

**3. Build the MCP server**

```bash

cd mcp-server

npm install

npm run build

```

**4. Environment**

Copy `.env.example` to `.env` and set `PLAID_CLIENT_ID`, `PLAID_SECRET`, and `PLAID_ENV` (see [Configuration](#configuration)).

Example: reference a skill in chat

Ask the agent to follow **`plaid-webhook-handling`** when implementing webhook routes, or **`plaid-sandbox-testing`** when you need sandbox institutions and error simulation patterns.

---

## Skills

14 of 17 skills are production-ready. Names match the folder under `skills/`.

All 17 skills

| Skill | Status | Summary |

| --- | --- | --- |

| `plaid-link-setup` | :white_check_mark: Live | Plaid Link integration with `react-plaid-link` |

| `plaid-transaction-sync` | :white_check_mark: Live | `/transactions/sync` cursor-based pagination |

| `plaid-webhook-handling` | :white_check_mark: Live | Webhook types, verification, sandbox firing |

| `plaid-sandbox-testing` | :white_check_mark: Live | Sandbox credentials, test institutions, error simulation, MCP automation |

| `plaid-category-mapping` | :white_check_mark: Live | Personal finance category taxonomy |

| `plaid-error-handling` | :white_check_mark: Live | Error codes, detection, recovery |

| `plaid-api-reference` | :white_check_mark: Live | Endpoint lookup and quick reference |

| `plaid-institution-search` | :white_check_mark: Live | Institution search and coverage |

| `plaid-account-verification` | :white_check_mark: Live | Auth product, micro-deposits, database match |

| `plaid-investment-tracking` | :white_check_mark: Live | Holdings, securities, portfolio aggregation |

| `plaid-identity-verification` | :white_check_mark: Live | KYC flows, identity data, match scoring |

| `plaid-recurring-detection` | :white_check_mark: Live | Recurring transaction detection |

| `plaid-react-integration` | :white_check_mark: Live | React hooks, context, error boundaries |

| `plaid-nextjs-integration` | :white_check_mark: Live | Next.js App Router, API routes, server actions |

| `plaid-migration-guide` | :construction: v0.7.0 | Migrate from other aggregators |

| `plaid-security-best-practices` | :construction: v0.7.0 | Token encryption, RLS, audit logging |

| `plaid-production-readiness` | :construction: v0.7.0 | Production access checklist |

You can reference skills by natural-language aliases: **link setup**, **transaction sync**, **webhook handling**, **sandbox testing**, **category mapping**, **error handling**, **API reference**, **institution search**, **account verification**, **investment tracking**, **identity verification**, **recurring detection**, **React integration**, **Next.js integration**, **migration guide**, **security best practices**, **production readiness**.

---

## Rules

All 7 rules are production-ready.

All 7 rules

| Rule | Status | Scope | What it flags |

| --- | --- | --- | --- |

| `plaid-secrets` | :white_check_mark: Live | Always on | Hardcoded tokens, API keys, client secrets |

| `plaid-error-handling` | :white_check_mark: Live | `*.ts`, `*.js` | Unchecked Plaid API calls |

| `plaid-env-safety` | :white_check_mark: Live | `.env*`, config | Sandbox credentials in production-like settings |

| `plaid-webhook-security` | :white_check_mark: Live | Webhook handlers | Missing webhook signature verification |

| `plaid-sync-cursor` | :white_check_mark: Live | Sync code | Missing cursor persistence for `/transactions/sync` |

| `plaid-link-best-practices` | :white_check_mark: Live | Link UI | Link integration issues and anti-patterns |

| `plaid-token-storage` | :white_check_mark: Live | Token storage | Insecure access token handling |

---

## MCP tools

30 tools total (28 live, 2 stubs). Build with `cd mcp-server && npm run build`.

Read-only (no auth) - 8 tools

| Tool | Status | Purpose |

| --- | --- | --- |

| `listCategories` | :white_check_mark: | Personal finance categories |

| `searchInstitutions` | :white_check_mark: | Institution search |

| `getInstitution` | :white_check_mark: | Institution metadata |

| `listProducts` | :white_check_mark: | Available Plaid products |

| `getApiEndpoint` | :white_check_mark: | Endpoint helper |

| `listWebhookTypes` | :white_check_mark: | Webhook event types |

| `listSandboxCredentials` | :white_check_mark: | Sandbox test credentials |

| `listCountryCoverage` | :white_check_mark: | Country coverage |

Sandbox auth - 12 tools

| Tool | Status | Purpose |

| --- | --- | --- |

| `createLinkToken` | :white_check_mark: | Create a Link token |

| `exchangePublicToken` | :white_check_mark: | Exchange public token |

| `createSandboxItem` | :white_check_mark: | Create sandbox Item |

| `resetSandboxLogin` | :white_check_mark: | Reset sandbox login |

| `fireSandboxWebhook` | :white_check_mark: | Fire sandbox webhook |

| `getAccounts` | :white_check_mark: | List accounts |

| `getBalance` | :white_check_mark: | Balances |

| `syncTransactions` | :white_check_mark: | Transaction sync |

| `getRecurring` | :white_check_mark: | Recurring streams |

| `getInvestmentHoldings` | :white_check_mark: | Investment holdings |

| `getIdentity` | :white_check_mark: | Identity data |

| `getAuthNumbers` | :white_check_mark: | Auth micro-deposit numbers |

Write / advanced - 10 tools

| Tool | Status | Purpose |

| --- | --- | --- |

| `sandboxSetVerificationStatus` | :white_check_mark: | Sandbox verification status |

| `simulateTransactions` | :white_check_mark: | Simulate transactions |

| `refreshTransactions` | :white_check_mark: | Refresh transactions |

| `removeItem` | :white_check_mark: | Remove Item |

| `getItemStatus` | :white_check_mark: | Item status |

| `updateItemWebhook` | :white_check_mark: | Update Item webhook URL |

| `getLiabilities` | :white_check_mark: | Liabilities |

| `getTransferIntent` | :construction: v0.7.0 | Transfer intent |

| `verifyWebhookSignature` | :white_check_mark: | Verify webhook signature |

| `inspectAccessToken` | :construction: v0.7.0 | Inspect token metadata (debug) |

---

## Installation

| Step | Action |

| --- | --- |

| 1 | Clone [Plaid-Developer-Tools](https://github.com/TMHSDigital/Plaid-Developer-Tools) |

| 2 | Symlink `.cursor-plugin` / repo root per [Quick start](#quick-start) |

| 3 | Restart Cursor |

| 4 | (Optional) Register MCP: point your client at `mcp-server/dist/index.js` after `npm run build` |

Plugin manifest: [`.cursor-plugin/plugin.json`](.cursor-plugin/plugin.json).

---

## Configuration

| Variable | Required | Description |

| --- | --- | --- |

| `PLAID_CLIENT_ID` | For live MCP calls | Plaid client ID |

| `PLAID_SECRET` | For live MCP calls | Plaid secret for the chosen environment |

| `PLAID_ENV` | Recommended | `sandbox`, `development`, or `production` |

Never commit real secrets. The **`plaid-secrets`** and **`plaid-env-safety`** rules exist to catch leaks early.

---

## Roadmap

Summary aligned with [ROADMAP.md](ROADMAP.md):

| Version | Focus |

| --- | --- |

| **v0.1.0** | Core skills, secret / env / error rules, CI, docs, MCP scaffold |

| **v0.2.0** | Read-only MCP tools, `plaid-api-reference`, `plaid-institution-search`, `plaid-webhook-security` |

| **v0.3.0** | Sandbox MCP tools, `plaid-sync-cursor`, `plaid-sandbox-testing` enhancements |

| **v0.4.0** | Full API tools, `plaid-account-verification`, `plaid-investment-tracking`, `plaid-link-best-practices` |

| **v0.5.0** | Identity, recurring detection, `plaid-token-storage`, 5 advanced MCP tools |

| **v0.6.0** (current) | `plaid-react-integration`, `plaid-nextjs-integration`, 3 MCP tools |

| **v0.7.0** | `plaid-migration-guide`, `plaid-security-best-practices`, `plaid-production-readiness` |

| **v1.0.0** | Full polish, 17 skills, 7 rules, 30 MCP tools stable |

---

## Contributing

Issues and PRs are welcome. See [CONTRIBUTING.md](CONTRIBUTING.md) for conventions (this repo tracks **17 skills** and **7 rules** across docs).

---

## License

Copyright (c) TM Hospitality Strategies. Licensed under **CC-BY-NC-ND-4.0** - see [LICENSE](LICENSE).

---



**Plaid Developer Tools** · Built by [TMHSDigital](https://github.com/TMHSDigital) · [Repository](https://github.com/TMHSDigital/Plaid-Developer-Tools)
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