The Plaid API OpenAPI spec score
Octri scored the public spec at https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml for what a code generator can do with it. This is a reading of the document, not a grade of the API.
350 operations · 2476 models · 1 tag · OpenAPI 3.0.0
Scored 16 October 2026 · fingerprint ea443cd78f6f… · spec version 2020-09-14_1.778.0 · server production.plaid.com
Document last changed 16 October 2026.
Where the points went
Every rule, heaviest first, with what it cost this document, how much of the surface it touched, and where. The rule id links to what that rule checks.
| Rule | Weight | Result | Surface | Locations |
|---|---|---|---|---|
| Successful responses declare a schemaresponse-schema | 2.0 | 0.4 lost | 1 of 350 operations | POST /fdx/notifications |
| Shared models live in components and are $ref'dshared-schemas-referenced | 2.0 | Clean | 350 operations clean | Nothing found |
| Generated public names do not collideoperation-id-unique | 2.0 | Clean | 350 operations clean | Nothing found |
| Every path placeholder has a parameterpath-parameters-declared | 1.5 | Clean | 350 operations clean | Nothing found |
| Every operation declares an operationIdoperation-id-present | 1.0 | Clean | 350 operations clean | Nothing found |
| operationIds read as method namesoperation-id-naming | 1.0 | 1.0 lost | 347 of 350 operations | POST /asset_report/createPOST /asset_report/getPOST /asset_report/pdf/getand 344 more |
| Operations carry a summary or descriptionoperation-documented | 1.0 | Clean | 350 operations clean | Nothing found |
| Request bodies are documentedrequest-body-documented | 1.0 | 0.5 lost | 131 of 350 operations | POST /asset_report/pdf/getPOST /asset_report/removePOST /cra/monitoring_insights/unsubscribeand 128 more |
| Failure responses are declarederror-responses | 1.0 | 0.3 lost | 49 of 350 operations | POST /dashboard_user/getPOST /dashboard_user/listPOST /identity_verification/createand 46 more |
| Operations are taggedoperation-tagged | 1.0 | Clean | 350 operations clean | Nothing found |
| No duplicate or equivalent pathsduplicate-paths | 1.0 | Clean | 359 paths clean | Nothing found |
| Authentication is describedsecurity-declared | 1.0 | Clean | Declared | Nothing found |
| Parameters explain their purposeparameters-documented | 0.75 | Clean | 350 operations clean | Nothing found |
| A server URL is declaredserver-url | 0.5 | Clean | Declared | Nothing found |
Packaging, outside the score
This generates one package with 350 operations and 2476 models. Frontend consumers download all of it to call any of it, and low-spec machines pay for it in IDE and build time. The largest groups are `plaid` (350), and each is a candidate for its own project.
What 7.8 means for an SDK
A mixed reading, and the three rules that decide most of it.
The client compiles and works. Callers will feel the soft spots: a few methods that return an untyped value, arguments with no hint on them, a namespace or two named after a path segment rather than a resource.
Three rules carry six of the 10 points between them. On this document they took 0.4.
−0.4
Successful responses declare a schema
1 of 350 operations
Clean
Shared models live in components and are $ref'd
350 operations clean
Clean
Generated public names do not collide
350 operations clean
What to change first
Every rule that deducted, in the order they cost.
0.4 lost
Successful responses declare a schema
Give the success response a schema, or a $ref to one in components. A 204 needs nothing.
Inside Octri this one has a one-click fix.
1.0 lost
operationIds read as method names
Name the id for the action, not the route. The audit suggests one per operation and can apply it.
Inside Octri this one has a one-click fix.
0.5 lost
Request bodies are documented
Describe the body, or the fields inside it. Field-level prose is the one that reaches the SDK's arguments.
Inside Octri this one has a one-click fix.
0.3 lost
Failure responses are declared
Declare the failures you actually return, or one `default` response carrying your error shape.
Where to go next
- Score your own spec The same fourteen rules, on any public URL. No account, and the spec is not kept.
- OpenAPI to a TypeScript SDK Published to npm, with the type definitions generated from your spec.
- OpenAPI to an MCP server The same endpoints, as tools an agent can call.
- How SDK Studio shapes a client Naming, hooks and packaging, decided before ten runtimes are built.
The spec at raw.githubusercontent.com is public. Octri keeps the `info` block, the score, and up to five sample finding locations per rule. The document itself is not stored and is not served from here. The audit predicts what an SDK generator can do with the description; it is not a security review, an uptime measurement or a critique of the API’s design. This page is not affiliated with The Plaid API or Plaid Developer Team.