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Plaid is the data network that powers fintech — connecting apps to users' bank accounts for payments, account verification, and transaction data. UK fintech startups use Plaid to let customers link their bank securely, verify balances before payments, and pull transaction history for budgeting or credit decisions. It supports Open Banking in the UK and Europe, making it FCA-compliant for regulated use cases. Pricing is transaction-based and varies by product. With strong UK coverage and developer-friendly APIs, Plaid is the default choice for British fintechs building on bank data.