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> Plaid also relies on entering bank passwords on neobank sites and is widely used.

This is an anti-pattern, and is not worth supporting in new tech that's supposed to be "secure first".

We already have tech for delegating authorization.

Plaid isn't a solution to a technical problem. It's a way to deal with the fact that banks don't want their customers to bypass their websites/apps and the cross-selling ads within.

In their defense, Plaid also very quickly demonstrated why you might not want an online bank access free for all. At least in privacy-centric terms.

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