Asking people to connect their financial accounts takes trust. That’s why @perplexity_ai built Personal CFO with Plaid. We sat down with @jeffgrimes9 to talk about how it works. The full Q&A: 🔌

As @btaylor just announced we’re publishing the first draft of Personal Agent Protocol, known as Poppy — and announcing 35 new design partners. With Poppy, customers decide what access to give their personal agents, and companies set parameters for what those agents can do. It’s built on open standards businesses already use, and designed to work through websites, APIs, and company agents. This is a starting point — we welcome feedback from companies, developers, and personal agent builders to help shape this new protocol. Read more here: or read the draft here:

Fall Release '26 spotlight — Lending 💸 We have three big updates for lenders. Instant Link puts cash flow and network insights to work at the start of an application. Borrowers can permission their data once, so they don’t have to reconnect their bank account on future applications. About as easy as a soft credit pull. One model doesn't fit every loan, so LendScore 2 is now one big happy family. Core, Auto, Home Lending, and Short Term. Core delivers 42%+ lift over traditional credit data alone. We built Lendscore Arc, our first transformer-based credit risk score and our best-performing Lendscore model yet.

Fall Release '26 spotlight — Lending 💸 We have three big updates for lenders. Instant Link puts cash flow and network insights to work at the start of an application. Borrowers can permission their data once, so they don’t have to reconnect their bank account on future applications. About as easy as a soft credit pull. One model doesn't fit every loan, so LendScore 2 is now one big happy family. Core, Auto, Home Lending, and Short Term. Core delivers 42%+ lift over traditional credit data alone. We built Lendscore Arc, our first transformer-based credit risk score and our best-performing Lendscore model yet.

Very excited for our announcements today. Foundation models are a hot topic right now, and for good reason. We re-architected much of our product so that we could improve it faster, and build insights around the concept of financial context. This benefits our existing customers automatically. Check it out- we will be posting over the next week about all the improvements coming to @Plaid.

Plaid’s Fall Release ’26 is here, and I’m proud of what the team has built. Our sequential model now delivers millisecond scores with transaction-level traceability. We’re also introducing our Fraud Foundation Model. Thank you to the teams across Plaid who made it happen.

Traditional credit scores are breaking down. In the US, millions of creditworthy people are locked out of loans simply because FICO scores can’t evaluate real-time financial behavior. @Plaid just took a big step toward fixing that with their Fall Product Release, leveraging foundational models across credit, fraud, and payments. (Important Note: Plaid is the parent company of @twifintech, but that makes this no less exciting 🔥) Here's the breakdown of what Plaid unveiled and why it matters for credit and lending: 1. Smarter Cash-Flow Underwriting Traditional credit looks backward at static snapshot reports. Plaid’s cash-flow tools look at real-time income, spending patterns, and bill payments. LendScore 2: Plaid’s upgraded core credit model delivers 42% stronger predictive performance than traditional credit data alone. Vertical-Specific Models: LendScore Auto: Cut deep-subprime delinquencies by 26% at the same approval rate. LendScore Home Lending: Approved 6.3% more mortgage borrowers without increasing default risk. Instant Link: Speeds up borrower onboarding by enabling consumers to consent and share cash-flow insights across applications in under 2 seconds. 2. Enter "LendScore Arc" (Transformer Models for Credit) Plaid introduced LendScore Arc, its first transformer-based credit risk score. Instead of taking a snapshot of a bank account, Arc treats financial history like a sequence—analyzing the order and timing of transactions (much like how LLMs analyze words). Performance Boost: Delivers a 20% predictive lift on deep subprime and a 24% lift on superprime borrowers over core baselines. 3. Fighting Fraud & Payment Risk via Sequential AI The same foundation models powering credit are now applied to fraud detection and ACH settlement: Plaid Protect: Uses a sequential AI model to analyze the full chain of user interactions rather than isolated events, driving up to a 40% relative improvement in fraud detection over previous baselines. Signal & Guaranteed Payments: Plaid's payment risk tool (Signal) now analyzes sequence patterns to prevent 26% more ACH returns without raising false flags. The future of underwriting isn't a 3-digit static score—it's dynamic, sequential cash-flow intelligence.

LLM referral traffic was climbing faster than every other channel, Sarah Shaffer and the team at @Plaid wanted to build a repeatable growth system around it. We worked with them to build Answer Engine Insights to track prompts and citations, then they used AI Marketer to deploy Agents that audit pages, refresh them, and automate the reporting. The results: 🚢 300%+ increase in LLM referral traffic to 🚢 210% increase in conversions from that traffic 🚢 10-100x faster execution on AEO workflows

Super pumped to share that @Plaid is now powering @Meta's new personal AI agent, Muse 🤖 Starting today, folks in the U.S. can connect their financial accounts through Plaid and bring real financial context into ongoing conversations with Muse Excited to work with the Meta team. If you're building in this space or have ideas on what we should build with Muse - DM us or bwerneck at

Welcome to the network, @Meta 🌐 Muse, Meta's new personal AI agent, helps you manage what matters most across your day. Your financial life is a big part of that picture. Plaid helps securely connect your accounts to turn balances, transactions, liabilities, and investments into intelligent financial experiences that help you take meaningful steps toward your personal goals. Read more here:

Introducing Muse, a personal agent that gets things done for you, powered by Muse Spark 1.3. Get an inside look at how we built Muse and what it can do for you:

You can now link your finances to @grok via @Plaid! Hook up your accounts, and ask Grok anything you want to know. It’s never been easier to build a budget, plan for the future, and figure out where all the money goes…