A WireMock simulation of Plaid's REST API — covering Beacon users, fraud reports, report syndication, duplicate analysis, and account-risk evaluation.
A shared instance of this template runs on a public endpoint — call it right now from curl, an SDK, or an AI agent. Responses are fixed examples and behavior can't be changed; rate limits apply.
Jump to the endpoints ↓Run this template as a mock API in WireMock Cloud for a private instance you control — edit stubs, add stateful scenarios, use dynamic response templating, and inspect requests in the log.
Open in WireMock Cloud (free) →Live sandbox · no signup, no API key
A running WireMock Cloud instance of this template, callable right now from a terminal, a script, or an AI agent.
Endpoints
POST Create - /beacon/user/create
curl -s -X POST 'https://y0w0v.wiremockapi.cloud/beacon/user/create' \
-H 'Content-Type: application/json' \
-d '{}'POST Get - /beacon/user/get
curl -s -X POST 'https://y0w0v.wiremockapi.cloud/beacon/user/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Update - /beacon/user/update
curl -s -X POST 'https://y0w0v.wiremockapi.cloud/beacon/user/update' \
-H 'Content-Type: application/json' \
-d '{}'Spec catalog — The Plaid API (2020-09-14_1.688.6) · 13 endpoints
| Method | Path | Summary |
|---|---|---|
| POST | /beacon/account_risk/v1/evaluate | Evaluate risk of a bank account |
| POST | /beacon/duplicate/get | Get a Beacon Duplicate |
| POST | /beacon/report_syndication/get | Get a Beacon Report Syndication |
| POST | /beacon/report_syndication/list | List Beacon Report Syndications for a Beacon User |
| POST | /beacon/report/create | Create a Beacon Report |
| POST | /beacon/report/get | Get a Beacon Report |
| POST | /beacon/report/list | List Beacon Reports for a Beacon User |
| POST | /beacon/user/account_insights/get | Get Account Insights for a Beacon User |
| POST | /beacon/user/create | Create a Beacon User |
| POST | /beacon/user/get | Get a Beacon User |
| POST | /beacon/user/history/list | List a Beacon User's history |
| POST | /beacon/user/review | Review a Beacon User |
| POST | /beacon/user/update | Update the identity data of a Beacon User |
Unauthenticated WireMock Cloud demo sandbox for Plaid — not an official Plaid sandbox, and it returns simulated example data only.
Beacon is Plaid's shared fraud network, and the sandbox models both halves of membership. Contribution is recorded: users and fraud reports created here receive fresh ids and then genuinely appear in the history and listing routes, which accumulate entries across visitors. Consumption stays canonical: the get and review routes answer with the network's reference user in cleared status, the duplicate route lays out a seven-field analysis with every field matching, and account-risk evaluation returns the connection-history attributes — days since first Plaid connection, connection counts across time windows — that velocity rules consume.
They land in a store every visitor shares — the history and report listings replay them until the sandbox resets. Useful for observing the accumulate-then-list behavior, and a firm reason to keep payloads synthetic: the fixture identities already carry test SSNs, and nothing anyone posts to this instance is private.
Reads are canonical by design — whatever id you present, the response is the network's reference user with its cleared status and program id. The store's memory shows in the list routes instead, so point shape assertions at get and existence assertions at history/list.
The ceiling case: the same user on both sides, and all seven compared fields — name, date of birth, address, email, phone, ID number, IP — reporting match. Threshold logic that reads per-field results gets the strongest possible input; partial-match cases are an edited stub away in a private copy.
They gate different risks. The Identity Verification template decides whether a person is real and is who they claim; Beacon asks whether that person has already defrauded another member of the network. Onboarding stacks typically run one and then the other.
Vendor names identify APIs represented by WireMock template sources. This page does not imply vendor endorsement, certification, partnership, or official integration status.