When a transaction posts in a Plaid-linked account
Captures each posted bank or card transaction with amount, currency, merchant, and the account it cleared in.
Read account balances and posted transactions from your linked bank and card accounts via the Plaid MCP server. Well syncs accounts, transactions, and the merchants behind them.
Plaid feeds transaction, merchant, account balance into Well as a source. The connection is read-only; disconnect at any time from your workspace settings to revoke Plaid’s access.
| From Plaid | In Well | Relation | |
|---|---|---|---|
| Transaction | Ledger line | Becomes | |
| Merchant | Vendor | Resolves to | |
| Account balance | Cash position | Feeds |
Captures each posted bank or card transaction with amount, currency, merchant, and the account it cleared in.
Surfaces authorisations before they settle so the record is visible while it is still pending.
Reads the refreshed available and current balance on a linked account to feed your cash position.
Registers a newly connected checking, savings, or credit account with its institution and mask.
Pulls Plaid's normalised merchant name so the counterparty resolves to a company in your graph.
Picks up reversals and deletions the institution issues so your ledger stays consistent with the bank.
Connect Plaid over OAuth (MCP DCR): Well registers a client through Plaid's OAuth Dynamic Client Registration and you approve on Plaid's side, so the password never reaches Well; Well holds only a scoped token it can refresh.
Well brings transaction, merchant, and account balance in from Plaid through live reads, backed by a periodic reconciliation pass. The first sync backfills history in the background and the connection stays live after.
Well resolves each Plaid entity into ledger line, vendor, and cash position, assigns categories, and links every record to an audit trail across the rest of your connected tools.
Your data from Plaid lands in the workspace as ledger line, vendor, and cash position you can search, chart, and automate.
Ask in plain language. Well answers from your connected Plaid connection, resolved against the rest of your stack.
Ask anything about your Plaid connection
Ask about your Plaid connection…
Each one answers a question from live Plaid data. The required ones return nothing until a source like it is connected.
Needs a source like Plaid
Know how many months of cash you have at your current burn, with both sides of the division shown.
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
See where your company's money actually goes, no spreadsheets required.
Find what payment settled an invoice, or catch every payment that never got one.
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
See the settled month-end cash series and where the line goes from the last complete month.
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
See which suppliers owe you paperwork, before your accountant asks.
Put a name on every settled expense that still has no invoice.
Walk the whole month-end sweep in one prompt.
Drive the month-end close from open to sent to your accounting tool.
Close the category gaps behind your spend before you close a month.
The board numbers in one pass, each with its scope and its window stated.
See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.
Cancel a subscription, ask for a better price or contest a double debit, with your bank's facts in the email.
See what in a month has not reached the ledger, and which pile each item sits in.
Check that your bank and your books match, and re-run what missed rows.
Answers better with Plaid
See how much of your cash and receivables sit outside your reporting currency.
Find the bills with no paperwork attached, before an auditor does.
See exactly which agents would run, before any of them does.
Turn mixed currencies into one number you can actually audit.
The measures you name, arranged on one board that stores the question rather than the answer.
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Find the supplier refunds, VAT credits and expense notes still owed to you, with the evidence for each.
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses Plaid when it is there
Connects and checks Plaid
Open Plaid in Well's Connections panel and begin. Well discovers the OAuth metadata at the Plaid MCP endpoint, registers itself through Dynamic Client Registration, and hands you to Plaid to choose which linked accounts are in scope. The selection of accounts stays yours; Well reads only what you authorise.
Well reads the accounts, their posted transactions, and the merchants behind them, capturing each transaction as a workspace transaction and each balance to your cash position through Well's data-views layer; the matched ledger entry is built internally from there.
Ask about balances across every linked account at once, table the recent transactions, or let an agent resolve merchants to vendors. There are no invoices in Plaid, so the workspace view is about money movement and balances rather than billing documents.
Connecting completes in about a minute. Current balances are read straight away; the transaction history backfills in the background so questions answer while it fills in. Plaid developer docs.
Plaid connects through its MCP endpoint over the Model Context Protocol, and the OAuth Dynamic Client Registration handshake keeps the bank credentials with Plaid rather than with Well. The token covers only the linked accounts you put in scope and their transactions, and it refreshes server-side. Well reads balances and movements; it has no ability to initiate a payment or alter anything at your institutions.
Read Plaid records
Resources the Plaid MCP server exposes, scoped by your OAuth approval.
Resolve transaction, merchant, and account balance across your stack
Match identifiers in Plaid against the same entities your other connected tools expose, so each record carries cross-tool context.
Modify or delete Plaid records
Not granted; Plaid is read-only in Well. Write-back is opt-in per connector when a write surface exists.
Store Plaid passwords or session cookies
Authentication runs through OAuth (MCP DCR) tokens we never see.
Choose Plaid in Well's Connections panel and begin the handshake. Well discovers the OAuth metadata at the Plaid MCP endpoint, registers a client through Dynamic Client Registration, and routes you to authorise the bank and card accounts you want Well to read. Nothing to paste, and the consent step keeps the choice of which linked accounts are in scope entirely with you.
Plaid is a bank-and-card aggregator, so Well reads accounts, their posted transactions, and the merchants those transactions name. Each posted transaction is captured as a workspace transaction, every merchant resolves to the vendor it represents, and account balances feed your cash position. Well builds the matched ledger entry internally from there; Plaid itself carries no invoices, so Well never invents one. The connection is about money movement and balances, not billing documents.
A transaction Plaid reports is captured as a workspace transaction carrying its amount, currency, merchant string, and the account it cleared in; Well then builds the matched ledger entry internally. Well resolves the merchant to a known vendor where it can and leaves the source descriptor attached either way, so a cryptic bank memo still traces back to the institution it came from. Multi-currency activity keeps its original amount so cross-border accounts reconcile honestly.
Yes. Because every linked account's balance feeds a single cash-position view, a question like "what is across all our accounts right now" answers from the workspace rather than five banking tabs. Each balance keeps its account and institution, so the same view drills down to a single account when you need the detail behind the total.
Well reads account state and new transactions through the Plaid connection and folds them into the workspace as they are read through the connection, with the initial connect pulling the available history in the background. Plaid remains the live link to each institution; Well keeps a queryable copy so balances and movements sit next to the records from your other tools.
Disconnecting Plaid in Well revokes the token and ends Well's reads against your linked accounts at once; the connection only ever read, so there is nothing posted back to unwind. The transactions and balances already mirrored remain in your workspace for historical questions. To stop Plaid sharing the underlying accounts entirely, remove Well's access from Plaid's own dashboard as well.
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Connect once. Every transaction, merchant, account balance from Plaid becomes searchable, queryable, and ready for your agents and tables. Disconnect any time.