Plaid

About

Open banking API platform enabling fintech and financial services companies to connect to banks and financial institutions for data access and payments

Sovereignty Score

out of 100

Data completeness32% (Minimal)

Score relies on pessimistic defaults for missing fields

Jurisdictional(25%)

Strong EU base with minimal foreign legal exposure

Jurisdiction: Japan (EU adequacy decision)
No foreign parent provider

Ownership(20%)

Partial ownership data, some foreign influence possible

Public company (EU exchange)
Publicly traded
Acquisition risk unknown (assumed high) (Submit verified data to improve this score)

Governance(20%)

Centralized control, limited community governance

Single company controls roadmap
Entity control data unknown (assumed >80% single entity) (Submit verified data to improve this score)

Portability(15%)

Some portability options available

SaaS only (no self-host option)

License(10%)

Restrictive licensing or license instability concerns

Proprietary/closed source
SaaS service (license stability not tracked)

Community(10%)

Limited community health data or concerning indicators

Bus factor unknown (assumed worst case: 1) (Submit verified data to improve this score)
Project health unknown (assumed stale) (Submit verified data to improve this score)
Release frequency unknown (assumed stale) (Submit verified data to improve this score)
Issue response time unknown (assumed >30 days) (Submit verified data to improve this score)

How missing data affects scores Submit data corrections

Provider

PLAID Inc.

Quick Facts

Jurisdiction: United States
Ownership: Public (EU)
Deployment: SaaS