Nope nope nope.
As a user, I'd never use any service that is plaid based, I don't even care that "they have proper api access now". Even though I've been fan of other stripe offerings I'd never use this either. It's beyond shady.
Friends don't let friends give out their banking creds.
like it or not, it is a mainstream thing by now.
plus, as others have mentioned here, with oauth-enabled banks the aggregators just get a temporary token.
https://www.protocol.com/fintech/plaid-lawsuit-settlement-op...
>Stripe generally defaults the authentication flow to OAuth if available at the financial institution....OAuth is an open standard authorization protocol that allows users to let applications (for example, Stripe) access their information within other applications (for example, bank apps) without having to share their login credentials.
But for banks without Oauth you DO give your credentials to Stripe:
> For these banks, end users provide credentials to Stripe or one of our trusted partners.