// SCAN REPORT

Plaid

12 tools. 1 can modify or destroy data without limits.

1 destructive tool with no built-in limits. Policy required.

Last updated: 3 Jul 2026

1 can modify or destroy data

11 read-only

12 tools total

Community server · catalogue entry verified 03/07/2026

How to control Plaid ↓

TOOL MAP

What Plaid exposes to your agents

Read (11) Write / Execute (0) Destructive / Financial (1)

Running more than one server? Check your whole stack →

MOST DANGEROUS TOOLS

Critical Risk

The most dangerous Plaid tools

Destructive · High remove_institution This tool permanently removes a linked financial institution connection and deletes associated local records.

1 of Plaid's 12 tools can modify, destroy, or commit something on every call — and an agent calls them with no built-in limits.

POLICY

How to control Plaid

PolicyLayer is an MCP gateway — it sits between your AI agents and Plaid, and nothing reaches the server without passing your rules. These are the rules we recommend:

Deny destructive operations

{
  "remove_institution": {
    "deny_if": [
      {
        "conditions": [],
        "on_deny": "Blocked by default. Requires approval."
      }
    ]
  }
}

Destructive tools should never be available to autonomous agents without human approval.

Cap read operations

{
  "get_balances": {
    "limits": [
      {
        "counter": "get_balances_per_minute",
        "window": "minute",
        "max": 60,
        "scope": "grant"
      }
    ]
  }
}

Controls API costs and prevents retry loops from exhausting upstream rate limits.

Create a free account and register Plaid — nothing to install.
Add these rules — paste them, or build them visually. Tune the limits to your setup.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

ENFORCE POLICY ON PLAID →

Instant setup, no code required.

FULL CATALOGUE

All 12 Plaid tools

DESTRUCTIVE 1 tools

Destructive remove_institution Revokes the access token at Plaid and deletes the local record.

READ 11 tools

Read get_balances Fetches fresh balance data via Plaid Read get_investment_holdings Snapshot of all positions across investment accounts. Each position includes ticker, share count, market value Read get_investment_transactions Buy/sell/dividend/transfer activity in investment accounts within a date range. Returns one row per transactio Read get_liabilities Returns credit-card APRs and statement balances, student loan terms and balances, and mortgage rate/payoff det Read get_monthly_summary Pre-aggregated spending for one calendar month, grouped by category or merchant. Read get_transactions Fetch transactions in a date range across one or all linked institutions. Read initiate_link Creates a one-time browser URL the user opens to link a new bank/brokerage. Read link_status Check whether the user has finished the browser link flow. Read list_accounts List every account (checking/savings/credit/loan/investment) for one or all linked institutions. Read list_linked_institutions Returns every bank/brokerage currently linked, including a Read search_transactions Server-side filtered transaction search. Returns compact rows matching

EXPLORE

Related servers

Other MCP servers with similar tools — same risk classification, starter policies for each.

FAQ

Questions about Plaid

Can an AI agent delete data through the Plaid MCP server? +

Yes. The Plaid server exposes 1 destructive tools including remove_institution. These permanently remove resources with no undo. PolicyLayer blocks destructive tools by default so they never reach the upstream server.

How many tools does the Plaid MCP server expose? +

12 tools across 2 categories: Destructive, Read. 11 are read-only. 1 can modify, create, or delete data.

How do I enforce a policy on Plaid? +

Register the Plaid MCP server in PolicyLayer, apply the suggested rules above (adjust the limits to your use case), and point your AI client at the PolicyLayer proxy URL instead of the server directly. Your agents keep the same tools; PolicyLayer evaluates every call against policy before it executes. Nothing to install, live in minutes.

Enforce policy on every Plaid tool call.

Deterministic rules across all 12 Plaid tools. Per-identity grants. Full audit log. Live in minutes. Nothing to install.

ENFORCE POLICY ON PLAID →

Instant setup, no code required.

12 Plaid tools catalogued and risk-classified — across an index of 43,000+ MCP servers.