Link Tokens

A banking Link Token is a secure, time-limited credential used in the Prime platform to initiate Bank Account connections through Plaid. The Link Token serves as the bridge between a Borrower’s Application and Plaid's secure authentication flow, enabling users to safely connect their bank accounts. Each Link Token is unique and associated with a specific Application and Borrower.

The Link Token is a short-lived security credential that includes configuration for the specific banking connection session. When requested, it comes with an expiration timestamp and configuration parameters that determine which banking features will be enabled; including account selection, identity verification, and transaction history access. The Link Token is configured to enforce Prime's requirements for Bank Account connections, ensuring proper account validation and data access permissions.

Through Prime API, a new Link Token may be requested using the Application-related endpoints for banking operations when a Borrower is ready to connect a bank account. A Partner will use this Link Token to initialize Plaid's Link interface in the Partner application. Once a Borrower successfully completes the bank connection process, a public_token is received that is then attached to the Application entity so Prime's platform can establish the permanent Bank Account connection to the Borrower’s banking institution. Link Tokens can be requested multiple times if needed, such as when previous Link Tokens expire or if a Borrower needs to reconnect their bank accounts.

Important to know: Applications are pre-populated with a valid Link Token upon creation.

More about the Plaid Link widget : https://plaid.com/docs/link/