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We wrote our first letter to shareholders this year. It covers the market evolution of digital finance, Plaid's product evolution, and our outlook for the coming year.

I had three points to make (as always)

Student loans are one of the largest and most important financial products in the US, and Mack Wallace wants to fix them: openbanker.beehiiv.com/p/federalstude…

"Scammers operate easily across industrial and international boundaries, and they innovate quickly. They can move money overseas almost instantly. . . . Meanwhile, American defenses are siloed, starved of information, and technologically inadequate." openbanker.beehiiv.com/p/fixamericass…

In the live debate about whether to overturn the CFPB's rule banning medical debt on credit reports, Community Catalyst (🦋 @communitycatalyst.org)'s Mona Shah makes the case for Congress to leave the rule in place: openbanker.beehiiv.com/p/medicaldebtr…

Point, counter-point: Mike Calhoun argues that Congress got it right when they passed 1071, only in Open Banker openbanker.beehiiv.com/p/congress-got…

When we launched Plaid, a big differentiator was selling developer-first. It seemed obvious to build public-facing docs, REST API's, and make eng champions. Selling developer-first today means optimizing for modern AI coding tools. As such, I'm excited to launch Plaid MCP!

This is like when peanut butter and jelly came together for the first time!

Doug Kantor from NACS has a rebuttal to bank arguments in favor of debit card fees that you simply must assimilate: openbanker.beehiiv.com/p/bankingborgs

"It's an older code sir, but it checks out." Back at Money20/20 in 2024 I had the pleasure of recording a podcast with mropenbanking on the 1033 rule. Well, a LOT has happened with the rule since then, but it is still worth a listen: link.cohostpodcasting.com/f2732272-1060-…

After years of work, the US Open Banking regulation is suddenly under threat. One of the experts who crafted the rule breaks down the stakes of starting over: openbanker.beehiiv.com/p/openbanking