Plaid is the financial-data layer that connects fintech apps to bank accounts. Pulse uses Plaid in read-only mode, which means we can see your transactions but cannot move money or initiate any payments.
What Pulse can see
- Transactions (date, amount, description) for the last 90 days, refreshed nightly
- Account balance + name (e.g. "Operating Checking — last 4: 1234")
- Account type (checking / savings)
What Pulse can't see
- Your bank password — never. Plaid handles credentials inside its own vault.
- The ability to move money in or out of your account
- Card-specific data unless the card transactions land in the connected bank account
Same security as your favorite apps
Plaid is used by Venmo, Robinhood, Chime, Coinbase, and most major US fintech apps. SOC 2 Type II + AES-256 encryption at rest + TLS 1.3 in transit.